HDFC Business Regalia Credit Card

Cashback – 5% CashBack on Telecom, Electricity, Government/Tax, Railway, Hotels & Dining and Taxi spends. The maximum cashback offered is Rs.250 per month on spending Rs. 10,000.

Spend Milestone Benefit – The cardholder may earn 10,000 or 15,000 reward points on spending Rs. 5 Lakh or Rs. 8 Lakh respectively in one year of using the card.

Lounge Access – Get the following lounge privileges:

• Visa/Mastercard Lounge Access – 12 free lounge access per year
• Priority Pass Membership – 6 free Lounge Accesses per year for primary and add-on cardholder

You will have to apply for the Priority Pass membership to avail the lounge access. You will be eligible for application once you have made 4 or more retail transactions on your HDFC Bank Regalia Credit Card.

Rewards Programme – 4 Reward Points for every Rs.150 spent.

Foreign Mark-up Fee – 2% mark-up fee on international transactions.

Comprehensive Coverage – Following insurance coverage is provided:

Concierge Service – Use the service to make travel-related bookings and much more.

Fuel Surcharge Waiver – Surcharge waived on spends that are worth Rs. 400 or more. Maximum CashBack offered is Rs. 250 per statement cycle.

Fee waiver – Annual Fee is waived upon spending Rs. 3 lakh in a year. Joining Fee is waived upon spending Rs. 60,000 in the first 90 days of card issuance.

The following fees and charges are applicable on this credit card:

To be eligible for this credit card, an applicant should meet the following requirements:

• He/she must be a self-employed entrepreneur or a professional
• The income tax returns filed by the applicant must be of more than 12 Lakh per year
• The minimum age is 21 years and maximum age is 65 years

Documents Required

Applicants will also be required to submit a set of relevant documents which includes identity proof, address proof and income proof. Being a business credit card, documents will be needed for both the individual and the business. The following documents may be accepted:

To apply for this business credit card, applicants can visit the official website of HDFC Bank. On the ‘Apply Now’ section, they would be required to enter some basic details such as name, contact number, PAN, email ID, etc. Once the form is submitted, the bank will call the customer to discuss the documentation and other aspects of the application. A field agent of the bank will be sent to collect the documents. The bank will then validate the information and check the documents and, if satisfied, the credit card will be issued.

Applicants can also visit the nearest branch of HDFC Bank to apply for this credit card.

How to track the status of my application for HDFC Business Regalia credit card?

Go to HDFC Bank’s official website. Click on the “Track your credit card” tab and then provide the 16-digit application reference ID and your phone number or DOB.

Does the HDFC Business Regalia credit card offer annual fee waiver?

If you spend Rs. 3 lakh in a year via the Business Regalia Card then you will earn a waiver for succeeding year’s annual membership fees.

Can I earn Fuel Surcharge Waiver on Business Regalia cards?

Yes, you can earn a Fuel Surcharge Waiver of approximately Rs. 6,000 each year.

Note: As per RBI Advisory, HDFC Bank is not accepting new applications for credit cards.