top of page

HDFC Bank Business Regalia First Credit Card

Product Details
Credit Card Name : 

HDFC Bank Business Regalia First Credit Card

Bank Name :

HDFC Bank

Type :

Lifestyle Credit Card

Interest Rate : 

3.60% p.m. 43.20% p.a.

Eligibility :

Occupation: Self Employed or Salaried
Age: Min 21 yrs & Max 65 Yrs
ITR of more than Rs 7,20,000 per year

HDFC Bank Business Regalia First Credit Card
Pros

1. Customers can Enjoy a Zomato Gold complimentary Membership for a Year as a welcome benefit. 2. Customers can also enjoy enjoy world-class privileges and great saving opportunities. 5% Cashback on Telecom, Electricity, Government/Tax, Railway, Hotels & Dining, and Taxi with a maximum cashback of Rs.500 per statement on minimum monthly spends of Rs. 15,000. 

3. Annual Spends benefit Earn 7,500 Reward Points on annual spends of Rs. 6,00,000 or more in each anniversary year Earn 5,000 Reward Points on annual spends of Rs. 3,00,000 or more in each anniversary year. 

4. Customers Get a complimentary Priority Pass Membership for preferential access to over 1000+ airport lounges around the world. 

5. Customers also get 8 complimentary domestic lounge access per calendar year. 

6. EXCLUSIVE DINING PRIVILEGES at premium restaurants across India. 

7. Enjoy the lowest foreign currency markup of 2% on all your foreign currency spends 

8. A fuel surcharge waiver is also available.  

9. Customers can also avail insurance covers against various risks-  Air accident, the nominated kin will receive a compensation of Rs. 50 lakhs. Protection worth up to Rs. 10 lakhs against any medical emergency while travelling. Flight Delay Cover of upto INR 25,000 available for primary card holder. Missing of Connecting International Flight: Cover of upto INR 25,000 available to primary card holder

Cons
  • None

Pros & Cons
Welcome Benefits

Enjoy Zomato Gold complimentary Membership for a Year that offers - A complimentary dish on every visit at a Gold food partner restaurant or 2 complimentary drinks at select Zomato partner restaurants.This membership can be availed after spending Rs.75,000 within the first 3 months of getting your new Business credit card.

Rewards System
  • 4 Reward points for every Rs. 150 spent Accumulate and redeem Reward Points for: - Travel and Entertainment  1 RP = 0.30 paisa.  

  • You earn 1 RP for every INR 100 Spent  You can redeem your Reward Points for a variety of rewards, such as: Air travel Hotel stays Gift vouchers Merchandise Statement credits.   

  • Effective Cashback Rate: 5%

International Forex Markup

IFM- 2%

Welcome Benefits and Reward System
Special Features

Offer comprehensive insurance* covers various risks a customer faces while traveling.  

1. In case of death in an Air accident, nominated kin will receive a compensation of Rs. 50 lakhs. 

2. Emergency Overseas Hospitalization: Protection worth up to Rs. 10 lakhs against any medical emergency. 

3. Flight Delay Cover of upto INR 25,000 4. Missing of Connecting International Flight: Cover of upto INR 25,000.

Eligibility Criteria

Occupation: Self Employed or Salaried
Age: Min 21 yrs & Max 65 Yrs
ITR of more than Rs 7,20,000 per year

Benefits
  • Customers can Enjoy a Zomato Gold complimentary Membership for a Year as a welcome benefit. 

  • Customers can also enjoy enjoy world-class privileges and great saving opportunities. 5% Cashback on Telecom, Electricity, Government/Tax, Railway, Hotels & Dining, and Taxi with a maximum cashback of Rs.500 per statement on minimum monthly spends of Rs. 15,000.

  • Customers Get a complimentary Priority Pass Membership for preferential access to over 1000+ airport lounges around the world. 

 


Speical Feature, Eligibility and Benefits
How to apply for Credit Card?
  • Go to the HDFC Bank website and click on the "Apply for Credit Cards" tab. 

  • Select the "Business Regalia First Credit Card" from the list of cards. 

  • Enter your personal and business details. Upload your scanned documents, such as your PAN card, Aadhaar card, and business registration certificate. 

  • Submit your application. 

  • You will be contacted by HDFC Bank's credit card team for further processing of your application. 

  • The approval of your application will depend on your credit score and other factors.

Contact Details

1800 202 6161 or 1860 267 6161,
send an SMS to 730 8080 808,
or even use WhatsApp to send a message to 707 0022 222.

Account Opening and Procedure
HDFC Bank Business Regalia First Credit Card

HDFC Business Regalia First Credit Card is tailored for business people and provides exclusive privileges and great savings. This HDFC Credit card offers premium benefits including complimentary airport lounge access, preferential financial benefits, dining privileges at premium hotels, free insurance policy, and a lot more at an annual premium of Rs.1,000. A 100% recommended card for all types and sizes of businesses.

Abhijeet Saxena

Abhijeet Saxena

Abhijeet Saxena

Nalsar University of Law

Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi

Ex - Khaitan & Co. Bengaluru,

Ex - National Stock Exchange, Mumbai,

Ex - Argus Partners, Mumbai

Product Review
Fees & Charges
  • Joining /Annual Fees: Rs. 1000/- 

  • Cash advance fee: 2.5% or ₹ 500 whichever is higher.  

  • Interest Rates: 3.60% p.m. 43.20% p.a.  

  • Late Payment Charges: Less than ₹100 = Nil ₹100 to ₹500 = ₹100/- ₹501 to ₹5,000 = ₹500/- ₹5,001 to ₹10,000 = ₹600/- ₹10,001 to ₹25,000 = ₹800/- ₹25,001 to ₹50,000 = ₹1100/- More than ₹50,000 = ₹1300/- 

  • Foreign Currency Transactions Fees: 2%.   

  • Reward Redemption Fees: Rs. 99/-

Fuel Surcharge

1% Fuel Surcharge waiver on fuel transactions (Minimum transaction of ₹400, Maximum transaction of ₹5,000 & Maximum waiver of ₹250 per statement cycle)

Billing Cycle

30 Days

Fees & Charges
bottom of page