HDFC Bank Business Regalia Credit Card
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HDFC Bank

HDFC Bank Business Regalia Credit Card

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Community rating

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%

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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

How you earn back on every swipe

points

Reward type

1% – 5%

Earn rate

2.7

Points / ₹100

₹0.2

Per point

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)

Travel & 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

Tips & reviews

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

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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.

Quick Links

View on bank website

Data last updated 24 Mar 2026

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