Card Details · CardCheck

Key Benefits

4 reward points per ₹150 on all eligible retail spends (excludes wallet, EMI, petrol per bank)

5% monthly cashback on business-essential spends (e.g. utilities, telephone & internet, government & tax payments) — per bank T&Cs

2 complimentary domestic airport lounge visits per quarter when you spend ₹1 lakh in the previous calendar quarter

6 complimentary international airport lounge visits per year via Priority Pass (after eligibility steps per bank)

3.5% forex markup on international spends

Milestone bonus points: 10,000 RP on ₹5 lakh and 5,000 RP on ₹8 lakh spends in the anniversary year (per T&Cs)

1% fuel surcharge waiver on ₹400–₹5,000 transactions

Rewards

Earning rates across spend categories

5.00%

Other

Fees & Charges

Annual fee waived on spends of ₹300,000

Joining Fee	₹2,500 + GST
Annual Fee	₹2,500 + GST
Annual Fee Waiver	Available
Late Payment Fee	1300.00%
Foreign Currency Markup	3.50%
Cash Advance Fee	2.50%

About this Card

The HDFC Bank Business Regalia Credit Card targets self-employed professionals and business owners. It earns 4 reward points per ₹150 on eligible retail spends, offers 5% monthly cashback on listed business-essential categories (utilities, telecom, government & tax payments — per bank T&Cs), 2 domestic lounge visits per quarter when prior-quarter spend is ₹1 lakh, and 6 international Priority Pass visits per year subject to bank conditions. Forex markup is 3.5%. HDFC has stopped sourcing new applications

Exclusions

No reward points on fuel, rent, wallet loading, government transactions, EMI (per standard HDFC exclusions)

Personal liability — no GST input credit for companies

5% business cashback only on merchant categories and caps defined in MITC — not all spends

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Eligibility

Min. Income₹100,000/month

Min. Credit Score750+

Min. Age21 years

Max. Age65 years

SalariedSelf-EmployedProfessional

Income requirement may vary
Credit limit offered depends on your credit profile and relationship with the bank.

Pros & Cons

PROS

Annual fee ₹2,500 waived on ₹300,000 annual spend.
About 1%–5% reward points on eligible spends (caps apply).
Up to 2 domestic lounge visits per quarter (when included).
Up to 6 international lounge visits per year (when included).
Priority Pass where bundled with the card.
DreamFolks / partner lounge perks where bundled.
Best for: Business owners — rewards + lounge + business-spend cashback
Existing Business Regalia cardholders and businesses that already hold the product — not available for new applications.

CONS

No reward points on fuel, rent, wallet loading, government transactions, EMI (per standard HDFC exclusions)
Personal liability — no GST input credit for companies
5% business cashback only on merchant categories and caps defined in MITC — not all spends
High revolving APR — up to ~42% p.a. on balances.
~3.5% forex markup on international spends.

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Last updated: 10 Jul 2026