HDFC Bank Business Regalia Credit Card
Updated on August 25, 2026
🎖️Reward Rate
Base Rewards: 4 Reward Points per ₹150 (4 RP per ₹150 spent across all business retail purchases)
Overview
HDFC Bank Business Regalia Credit Card by HDFC Bank provides premium value tailored for Business cardholders.
Rewards
Reward Type
Reward Points
Reward Rate
- • Base Rewards: 4 Reward Points per ₹150 (4 RP per ₹150 spent across all business retail purchases)
- • Accelerated Rewards: 5X Reward Points on Tax Payments, Vendor payments & SmartBuy corporate bookings
- • Excluded Categories: Fuel, Wallet loads, Rent
Welcome Benefit
2,500 Reward Points upon realization of joining fee; Qualification Criteria: Joining fee payment within 90 days; Fulfillment Timeline: 30-45 days post fee realization
Milestone Benefit
Spend ₹5 Lakhs (Annual): 10,000 bonus Reward Points on ₹5L annual business spends; Spend ₹8 Lakhs (Annual): Additional 5,000 bonus Reward Points on ₹8L annual business spends; Spend ₹3 Lakhs (Annual): Annual renewal fee waiver; Annual Fee Waiver: Spend ₹3 Lakhs or more in preceding 12 months for fee waiver
Redemption
- • Flight & Hotel Bookings via SmartBuy at 1 RP = ₹0.50
- • AirMiles 1:1 conversion (Select corporate airline programs)
- • Catalog vouchers and statement balance at 1 RP = ₹0.35
Benefits
- Domestic Airport Lounge: 12 per calendar year via Visa / Mastercard Lounge Program
- International Airport Lounge: 6 per calendar year via Priority Pass
- Fuel Surcharge Waiver: 1% (Max waiver ₹500 per statement cycle)
- GST Invoice Tracking & Cashflow Protection: Itemized GST billing inputs, up to 50 days interest-free credit cycle, and commercial liability waiver protection for enterprise employees. (Automated GST statement feed, Employee add-on controls) [Partners: HDFC Bank Corporate Portal]
Things to Know Before you apply
HDFC Bank Business Regalia Credit Card Eligibility Criteria
- Age: 21–65 years
- Self-employed / Business Owners: ITR > ₹6.0 Lakhs per annum / audited balance sheet
- Salaried & Self-Employed Individuals
- Resident Indian
Fees & Charges
| Particulars | Amount |
|---|---|
| Joining Fee | ₹2,500 |
| Annual Fee | ₹2,500 |
| Foreign Currency Mark-up Fee | 2% |
| Cash Advance Fee | 2.5% (min ₹500) |
Fee waiver: Spend ₹3 Lakhs or more in preceding 12 months for fee waiver
PaisaSimple Review
Overall Rating
4.9/5What do we like about this card?
HDFC Bank Business Regalia Credit Card issued by HDFC Bank is one of India's leading credit cards for Business spends, featuring competitive reward earning and verified travel perks.
Pros
- • Base Rewards: 4 Reward Points per ₹150 (4 RP per ₹150 spent across all business retail purchases)
- • Forex markup rate of 2%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
Cons
- • Annual renewal fee of ₹2500
- • Reward exclusion on fuel purchases and wallet load transactions
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- • 2,500 Reward Points upon realization of joining fee
- • Qualification Criteria: Joining fee payment within 90 days
- • Fulfillment Timeline: 30-45 days post fee realization
- • 6,000 bonus Reward Points worth ₹1,500 upon payment of joining fee
- • Qualification Criteria: Payment of joining fee within 30 days
- • Fulfillment Timeline: 30 days post fee realization
- • Complimentary annual Swiggy One and Times Prime memberships on ₹75,000 spend in first 90 days.
- • Base Rewards: 4 Reward Points per ₹150 (4 RP per ₹150 spent across all business retail purchases)
- • Accelerated Rewards: 5X Reward Points on Tax Payments, Vendor payments & SmartBuy corporate bookings
- • Excluded Categories: Fuel, Wallet loads, Rent
- • Base Rewards: 1 Reward Point per ₹100 (1 Reward Point per ₹100 on other retail spends)
- • Accelerated Rewards: 7.25% value back on BPCL fuel & lubricants: 25 Reward Points per ₹100 (6.25% value) + 1% fuel surcharge waiver (capped at 2,500 RPs per billing cycle). 10 RPs per ₹100 on Dining, Groceries, Departmental Stores & Movies.
- • Excluded Categories: Non-BPCL petrol pumps, Wallet loads
- • 4 RP/₹200 retail
- • 20 RP/₹200 on Swiggy/Zomato
- • up to 10X via SmartBuy.
- • Base Rewards: 4 Reward Points per ₹150 (4 RP per ₹150 spent across all business retail purchases)
- • Forex markup rate of 2%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
- • Base Rewards: 1 Reward Point per ₹100 (1 Reward Point per ₹100 on other retail spends)
- • Forex markup rate of 3.5%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
- • 5X-equivalent reward rate on eligible Swiggy and Zomato online food orders
- • Up to 10X SmartBuy rewards
- • Swiggy One and Times Prime welcome memberships
- • Milestone vouchers
- • Movie and dining benefits
- • Conditional domestic and international lounge access
- • Annual renewal fee of ₹2500
- • Reward exclusion on fuel purchases and wallet load transactions
- • Annual renewal fee of ₹1499
- • Reward exclusion on fuel purchases and wallet load transactions
- • ₹1,000 joining/renewal membership fee plus applicable taxes unless waived
- • Renewal-fee waiver requires ₹3 lakh eligible annual spend
- • Lounge access is linked to eligible previous-quarter spend
- • Reward redemption value varies by redemption channel