HDFC Bank Business Regalia Credit Card
The HDFC Bank Business Regalia Credit Card targets self-employed professionals and business owners.
Online Shopping Fit Score
84/100
Joining Fee
₹2,500
Annual Fee
₹2,500
Reward Rate (%)
1 – 5
2.7 pts/₹100 · ₹0.2/pt
Forex Markup
3.5%
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CardCheck Rating & Score
Our proprietary algorithm evaluates cards across reward value, fee fairness, lounge access and terms to provide an unbiased score.
Reward Power
34/35
Fee Value & ROI
18/25
Lounge & Perks
18/20
Forex & Access
8/20
Category Strengths Breakdown
Ranked by strongest spend categoryScoring 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
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 statutory charges are detailed in the official Most Important Terms and Conditions (MITC).
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
Fee Waiver Spend Simulator
Simulate your spend to check waiver eligibility
🎉 Annual renewal fee 100% waived! At ₹25,000/mo (₹3,00,000/yr), your ₹2,500 fee drops to ₹0.
Tips & reviews
Community comments — not financial advice. Bank terms still apply.
HDFC Bank Business Regalia Credit Card Eligibility
Employment type
Pros & Cons
- 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.
- 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.
Quick Links
Data last updated 6 Aug 2026
Calculate your exact earnings with HDFC Bank Business Regalia Credit Card
Enter your monthly spending in groceries, dining, fuel, travel, and shopping to calculate your estimated net return after fees, reward caps and exclusions.
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