HDFC Business Regalia Credit Card

Rewards Points

• 4 reward points per Rs. 150 spent online (except fuel, EMI and wallet reloads)
• Spend Rs. 5 Lakh in a year and get 10,000 bonus reward points
• Reach total spends of Rs. 8 Lakh in a year and get additional 5,000 bonus reward points
• Redeem rewards to get cash credit (100 reward points = Rs. 20)
• Reward points can also be redeemed against flights and hotel bookings

Cashback Offer

• 5% Cashback on essential business spends including tax payments, electricity bills, telephone and internet bills
• Offer valid on minimum monthly spend of Rs. 20,000
• Maximum cashback offered is Rs. 500 per statement

Other Benefits for Businesses

• HDFC Bank current accountholders get double cashback benefits on business essential spends. The maximum monthly cashback is capped at Rs. 1,000.
• HDFC Bank merchant customers also get special offer. On spending Rs. 30,000 in a month and accepting volume worth Rs. 25,000, they can save up to Rs. 1,000 per month towards the rent of the POS machine.
• Manage vendor and distributor payments conveniently through a single app- SmartHub

Travel Benefits

• Complimentary Priority Pass Membership for primary and add-on users
• 6 complimentary international lounge visits in a year
• 12 complimentary domestic lounge visits in a year (3 visits per quarter)
• Low foreign currency mark-up fee of 2% of the transaction amount

Complimentary Insurance Cover

• Air Accidental death cover up to Rs. 1 Crore
• Emergency Overseas Hospitalization Cover worth Rs. 15 Lakh
• Flight Delay cover of up to Rs. 25,000 (for primary cardholder only)
• Missing of Connecting International Flight cover of up to Rs. 25,000 (for primary cardholder only)

Fuel Surcharge Waiver

• 1% fuel surcharge waived on spends over Rs. 400. Maximum waiver offered is capped at Rs. 500 per statement cycle.

Click here to see other fees and charges applicable to HDFC Business Regalia Card.

The following eligibility criteria should be met by the applicant:

Click here to check the list of documents required.

Note: The eligibility criteria and documentation requirements are only indicative; approval or rejection of card application will be at HDFC Bank’s sole discretion.

If you look at the benefits, HDFC Business Regalia Credit Card can be considered as an advanced version of HDFC Business Moneyback Credit Card. It has been designed to benefit its users by offering generous cashback on regular business expenses. Customers who use other HDFC Bank services like a current account or POS machine will get additional benefits. Moreover, the reward rate is quite impressive, even better for high spenders. The Business Moneyback Credit Card lacks travel benefits but in the Business Regalia Card, travel spends are also considered. Users get free lounge access, low forex mark-up fee and complimentary insurance cover.

How does a low foreign exchange fee benefit me?

Foreign exchange mark-up fee is applicable on transactions that you make in foreign currency. This is charged over and above the exchange rate. For example, if you spend USD50 using your card and the exchange rate is Rs. 78 for USD1, the value of your purchase in INR will be Rs. 3,900.

Now, most credit cards charge 3.5% as forex mark-up fee, which, in this case, would be Rs. 136.50. However, HDFC Business Regalia Card charges only 2% forex mark-up fee which brings down the charge to Rs. 78 only. With a low forex mark-up fee, you can save a significant amount on your expenses made in foreign currency.

What happens if I exhaust all my complimentary international airport lounge visits?

If you exceed the 6 Complimentary visits offered on HDFC Business Regalia Credit Card, you will be charged at US $27 + GST per visit.

How can I redeem my HDFC credit card reward points?

The reward points that you earn on HDFC Business Regalia Credit Card can be redeemed in the following ways:

• Convert it to cash credit (1 RP = Rs. 0.20)
• Use it for flights and hotel bookings via SmartBuy (1 RP = Rs. 0.50)
• Convert it to Air Miles via Net Banking (1 RP = 0.50 Air Miles)
• Purchase products and vouchers on SmartBuy or Net Banking (1 RP = Rs. 0.35)

How to set PIN for my HDFC Business Regalia Credit Card?

You can set the PIN through net banking or IVR. Here’s the process for net banking- Login, go to ‘Cards’, then go to the ‘Requests’ section. Now choose ‘Instant PIN Generation’, select the card and enter a 4-digit PIN of your choice.

To set PIN via IVR, call 1860 266 0333 from your registered mobile number, enter the last 4 digits of your card number, validate with OTP sent on your mobile and set a 4-digit PIN of your choice.

How to block my business credit card?

You can block your credit card by calling on HDFC Bank’s customer support helpline.