HDFC Business Regalia credit card

HDFC Business Regalia

HDFC Bank · Visa

HDFC Business Regalia is a business credit card with travel rewards, lounge access, and expense management for small business owners.

Annual Fee

₹2,500

Waived at ₹3.0L spend

Joining Fee

₹2,500

Base Reward Rate

3X

₹0.5/pt

Min CIBIL

700

₹6L+ income

Key Features

Premium business credit card with Regalia-tier benefits
4 reward points per ₹150 on all spends
4 complimentary domestic airport lounge visits per quarter
Complimentary Priority Pass for international lounge access
Higher credit limits suited for business expenditure
GST-compliant statements for business expense tracking
Fuel surcharge waiver at HPCL pumps
Complimentary add-on cards for associates

Welcome Benefits

✓

2,500 Bonus Reward Points on First Spend

Earn 2,500 reward points on your first business transaction within 90 days

✓

Complimentary Priority Pass Membership

Instant Priority Pass for access to 1,300+ airport business lounges worldwide

Reward Rates by Category

Dining

4X

Travel

5X

Online

4X

Shopping

4X

Grocery

3X

Fuel

1X

Utilities

1X

Other

3X

Partner Earn Rates

PartnerCategoryEarn Rate
Travel via SmartBuyTravel10X
Business DiningDining5X

Milestone Benefits

₹5.0 L

10,000 Bonus Reward Points

Earn 10,000 bonus points on ₹5 lakh annual business spend

Annual

₹10.0 L

Annual Fee Waiver

Spend ₹10 lakhs or more to waive the next year's annual fee

Annual

Airport Lounge Access

Domestic

6 visits/year

International

2 visits/year

Insurance & Protection

Air Accident Cover

When business travel booked on card

₹1 Crore

Overseas Medical Insurance

Emergency medical on international business travel

USD 25,000

Purchase Protection

Business purchases covered against theft/damage within 90 days

Up to ₹1 Lakh

Credit Shield

Dues waived on accidental death

Outstanding balance

Pros

  • 6 domestic lounge visits/year
  • 2 international lounge visits/year
  • Business expense management
  • GST input credit benefits
  • Fee waived at ₹3L spend

Cons

  • Requires business documentation
  • Moderate reward rate
  • Not the best for personal use

Frequently Asked Questions

Who is Business Regalia for?+
Business owners, self-employed professionals and corporate employees with high travel and entertainment expenses. Requires HDFC business relationship.
What reward rate?+
4 reward points per ₹150 on all spends. Higher via SmartBuy portal (10X on travel).
Lounge access?+
4 complimentary domestic lounge visits per quarter, plus Priority Pass for unlimited international lounge access.
Annual fee?+
₹2,500. Waived on ₹10 lakh annual spend.
Can I use for GST filing?+
Yes — GST-compliant statements and expense categorisation useful for business bookkeeping and tax filing.

Ready to apply?

Apply on the HDFC Bank website. Usually takes 10 minutes.

User Reviews

No reviews yet. Be the first to share your experience.

✍️

Share your experience

Have this card? Help others decide.

Sign in to write a review

New here? Create a free account

HDFC Business Regalia

₹2,500/yr · 3X rewards