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Last updated: 01-06-2026
HDFC Bank Business Regalia Credit Card
HDFC Bank

HDFC Bank Business Regalia Credit Card

"HDFC's premium business card โ€” SmartBuy 10X rewards, domestic and international lounge access, employee cards and GST-friendly statements for SME owners"

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Quick Summary
๐Ÿ’ณ Joining Fee
โ‚น2,500 + GST
๐Ÿ”„ Renewal Fee
โ‚น2,500 + GST
Waived: Annual fee waived on spending โ‚น3 lakh or more in the anniversary year
๐ŸŽฏ Best Suited For
SME owners and self-employed professionals who want premium benefits (lounge access, SmartBuy, travel insurance) on a business credit card with GST-friendly statements and employee card controls
๐ŸŽ Reward Type
Reward Points (1 RP = โ‚น0.50 for flights/hotels on SmartBuy; 1 RP = โ‚น0.20 for cashback)
๐ŸŽ‰ Welcome Benefit
1,000 reward points on joining; complimentary Priority Pass after 4 retail transactions
๐Ÿ’ฐ Reward Rate
4 RPs per โ‚น150 on all eligible business spends (1.33% base at SmartBuy value); up to 10X on SmartBuy portal; 5,000 bonus RPs on โ‚น3L annual spend; 2,500 additional on โ‚น6L spend; RPs valid 2 years
โœˆ๏ธ Lounge Access
2 complimentary domestic lounge visits per quarter on spending โ‚น1 lakh in preceding quarter; Priority Pass for international lounges (3 visits per year for primary + add-on combined)
๐Ÿ’ฑ Forex Markup
3.5% on international transactions
โญ Rate this Card
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โœ… Pros
  • SmartBuy 10X rewards โ€” same as personal Regalia
  • Employee cards with spend controls for team management
  • GST-friendly statements simplify business accounting
  • Priority Pass for international lounges
  • Air accident cover โ‚น50 lakh
  • Good Food Trail dining discounts
  • Achievable โ‚น3L fee waiver
โŒ Cons
  • Domestic lounge requires โ‚น1L quarterly spend โ€” high
  • High forex markup 3.5%
  • Business documentation required
  • Same reward structure as personal Regalia First โ€” no business-specific earn boost
  • Redemption fee โ‚น99 + GST

๐ŸŽ Rewards & Benefits

Reward Type
Reward Points (1 RP = โ‚น0.50 for flights/hotels on SmartBuy; 1 RP = โ‚น0.20 for cashback)
Welcome Benefits
1,000 reward points on joining; complimentary Priority Pass after 4 retail transactions
Reward Rate
4 RPs per โ‚น150 on all eligible business spends (1.33% base at SmartBuy value); up to 10X on SmartBuy portal; 5,000 bonus RPs on โ‚น3L annual spend; 2,500 additional on โ‚น6L spend; RPs valid 2 years
Reward Redemption
SmartBuy portal: flights and hotels at 1 RP = โ‚น0.50; cashback at โ‚น0.20; vouchers; Airmiles; redemption fee โ‚น99 + GST
Fuel Surcharge Waiver
1% fuel surcharge waiver on transactions โ‚น400 to โ‚น5,000; maximum โ‚น250 per statement cycle
Lounge Access
2 complimentary domestic lounge visits per quarter on spending โ‚น1 lakh in preceding quarter; Priority Pass for international lounges (3 visits per year for primary + add-on combined)
Spend Based Fee Waiver
Annual fee waived on โ‚น3 lakh annual spend
Milestone Benefits
5,000 bonus RPs on โ‚น3L annual spend; 2,500 additional on โ‚น6L; fee waiver on โ‚น3L spend
Other Benefits
SmartBuy 10X rewards; Priority Pass; employee cards with individual spend limits and controls; GST-friendly statements for easy accounting; air accident cover โ‚น50 lakh; emergency overseas hospitalisation โ‚น10 lakh; credit liability cover โ‚น9 lakh; Good Food Trail dining discounts; 24x7 concierge; Smart EMI

โœจ Special Perks & Exclusive Offers

Memberships
Priority Pass (on 4 retail transactions)
Insurance Cover
Air accident cover โ‚น50 lakh; emergency overseas hospitalisation โ‚น10 lakh; credit liability cover โ‚น9 lakh; zero liability
Add-on Cards
Employee cards with individual spend limits and controls โ€” ideal for managing team expenses
Concierge Services
24x7 concierge services
Special Offers
SmartBuy 10X; Priority Pass; employee card controls; GST-friendly statements; dining discounts

๐Ÿ’ณ Fees & Interest Rates

Joining Fee
โ‚น2,500 + GST
Annual Fee / Renewal Fee
โ‚น2,500 + GST
โœ“ Waived on: Annual fee waived on spending โ‚น3 lakh or more in the anniversary year
Interest Rate (APR)
๐Ÿ’ก Pay your balance in full each month and this never applies to you.
3.6% per month (43.2% per annum)
ATM Cash Withdrawal / Cash Advance
2.5% of withdrawn amount, minimum โ‚น500
Late Payment Charges
โ‚น100 to โ‚น1,300 based on outstanding
Over Limit Charges
2.5% of overlimit amount, minimum โ‚น550
Cheque Bounce / Auto-Debit Return
Details coming soon
Foreign Currency Markup
3.5% on international transactions
Other Charges
Business card โ€” requires business documentation; domestic lounge requires โ‚น1L quarterly spend; high forex markup 3.5%; same reward structure as personal Regalia First

๐Ÿ“‹ Eligibility & Credit Limit

Eligibility Criteria
Business owner, entrepreneur or self-employed professional; registered business or professional practice; stable financial track record; good credit history; CIBIL 720+
Credit Score Requirement
720+ CIBIL recommended; business credit history considered
Credit Limit
Based on business turnover, income and HDFC Bank relationship

๐Ÿ“… EMI, Balance Transfer & Debt Management

EMI Conversion
Smart EMI on transactions above โ‚น2,500
Balance Transfer Facility
Available
Balance Transfer Interest Rate
As per HDFC Bank prevailing rates
Balance Transfer Charges
Details coming soon

๐Ÿ”’ Security & Fraud Protection

Card Block Feature
Instant block via HDFC MyCards app
Instant Fraud Alerts
SMS and email alerts
Purchase Protection
Zero liability on reporting; โ‚น50L air accident cover
Virtual Card Numbers
Details coming soon
Zero Liability Protection
Zero liability after reporting

๐Ÿ“ž Customer Service & Digital Experience

Phone Support
1860 267 6161 (24x7)
Chat / Email Support
Chat via HDFC iMobile app
Mobile App
HDFC Bank MyCards app
Online Banking
HDFC NetBanking

Last updated: 01-06-2026

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Printed: 23 Oct 2026, 09:33 PM
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