What is the annual fee for HDFC Bank Business Regalia Credit Card?

The annual fee for HDFC Bank Business Regalia Credit Card is ₹2,500. The fee is waived on annual spend above ₹3,00,000.

What is the joining fee for HDFC Bank Business Regalia Credit Card?

The one-time joining fee for HDFC Bank Business Regalia Credit Card is ₹2,500.

What are the rewards and benefits of HDFC Bank Business Regalia Credit Card?

HDFC Bank Business Regalia Credit Card earns points rewards. Reward rate ranges from 1% to 5%. You earn 2.7 points per ₹100 spent.

What lounge access benefits does HDFC Bank Business Regalia Credit Card provide?

HDFC Bank Business Regalia Credit Card provides 2 domestic lounge visits per quarter and 6 international lounge visits per year.

What is the eligibility criteria for HDFC Bank Business Regalia Credit Card?

To be eligible for HDFC Bank Business Regalia Credit Card, you need a minimum monthly income of ₹1,00,000.

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HDFC Bank

HDFC Bank Business Regalia Credit Card

Name: HDFC Bank Business Regalia Credit Card
Brand: HDFC Bank
Price: 2500 INR
Availability: InStock

The HDFC Bank Business Regalia Credit Card targets self-employed professionals and business owners.

Premium

CardCheck ScoreVery Good

Top Category Performance

Online Shopping (84/100)

Best for: Business owners — rewards + lounge + business-spend cashback

Joining Fee

₹2,500

Annual Fee

₹2,500

Reward Rate (%)

1 – 5

Forex Markup

3.5%

Community

(0)

Your Rating

Apply may use an affiliate link — we may earn a commission; this doesn't affect our data or ratings.

CardCheck Rating & Score

Our proprietary algorithm evaluates cards across reward value, fee fairness, lounge access and terms to provide an unbiased score.

Very GoodScore / 100

Reward Power

34/35

Fee Value & ROI

18/25

Lounge & Perks

18/20

Forex & Access

8/20

Category Strengths Breakdown

Ranked by strongest spend category

Online Shopping

84/100

Travel & Lounge

82/100

Cashback Spends

75/100

Premium Privileges

74/100

Scoring Methodology: Evaluated deterministically using verified bank MITC filings, fee waiver spend ratios, reward percentage caps, and lounge agreements. No card receives sponsored score inflation. Learn how we score →

HDFC Bank Business Regalia Credit Card 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

HDFC Bank Business Regalia Credit Card Rewards

How you earn back on every swipe

points

Reward type

1% – 5%

Earn rate

2.7

Points / ₹100

₹0.2

Per point

HDFC Bank Business Regalia Credit Card Fees & Charges

Programme fees we track below. Interest on cash withdrawals or revolving balances, late-payment slabs and other charges are set by the bank and spelled out in their Most Important Terms and Conditions (MITC). Use the official product page for those details.

Joining fee₹2,500

Annual fee₹2,500

Fee waiver on annual spend₹3,00,000

Interest-free period50 days

Interest rate (APR)43.2%

Late payment fee (max)₹1,300

Cash advance fee2.5% (min ₹500)

Over-limit fee2.5%

Forex markup3.5%

Fuel surcharge waiverYes (₹400–₹5000)

HDFC Bank Business Regalia Credit Card Lounge Access

Airport perks included with this card

2 per quarter

Domestic lounge visits

6 per year

International lounge visits

Priority Pass

Included with this card

DreamFolks

Lounge access via DreamFolks

Things to Keep in Mind

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

Card Features

Metal Card

Contactless

UPI Linked

Fee Waiver Spend Simulator

Simulate your spend to check waiver eligibility

Waiver Target: ₹3,00,000/yr

Your Estimated Monthly Spend:₹25,000/mo

Presets:

Annual Fee 100% Waived₹3,00,000 / ₹3,00,000

🎉 Annual renewal fee 100% waived! At ₹25,000/mo (₹3,00,000/yr), your ₹2,500 fee drops to ₹0.

Gross Rewards+₹15,000

Effective Fee₹0 (Waived)

Net Profit/Yr+₹15,000

Tips & reviews

Community comments — not financial advice. Bank terms still apply.

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HDFC Bank Business Regalia Credit Card Eligibility

Age21+ yrs – 65

Min. income₹1,00,000/month

CIBIL score750+

Employment type

SalariedSelf employed

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.

Who is this card for?

Existing Business Regalia cardholders and businesses that already hold the product — not available for new applications. Suited to those who pay large utility/tax bills via the card and can meet lounge spend conditions.