INDEPENDENT PUBLIC DIRECTORY: Eligo does not issue credit cards, collect customer applications, or earn affiliate referral commissions. All terms, fees, and interest charges below are sourced directly from the official hdfcbank.com (HDFC Bank Ltd.) Most Important Terms and Conditions (MITC).

🏛️HDFC Bank Ltd.Network: Visa / MastercardBusiness & Corporate CardsLast Verified: 2026-09-28

HDFC Business Regalia Credit Card

एचडीएफसी बिजनेस रेगलिया क्रेडिट कार्ड

SME and corporate commercial credit card providing high credit limits, tax payment rewards, 12 domestic & 6 international lounge visits, and 2.0% forex markup.

Annual Fee₹2,500 + GST (Renewal: ₹2,500 + GST)

Reward Rate4 Reward Points per ₹150 spent on regular business retail purchases. 5X Reward Points on tax payments, commercial vendor payments, flight bookings, and hotel stays via SmartBuy.

Airport Lounge12 complimentary domestic airport lounge visits per calendar year across India. 6 complimentary international lounge visits per calendar year via Priority Pass.

Forex Markup2.00% + GST markup on foreign currency transactions.

What Is This Card

HDFC Business Regalia is an enterprise and SME commercial credit card engineered for proprietors, partners, directors, and self-employed professionals. It consolidates business travel, GST tax payments, and vendor disbursements while providing 12 domestic and 6 international lounge visits.

Key Benefits (Official MITC Sourced)

💳Annual Fee & Joining Fee

₹2,500 + GST (Renewal: ₹2,500 + GST)

Fee Waiver: Spend ₹3,00,000 or more in each preceding anniversary year to get the annual renewal fee of ₹2,500 waived.

🎁Welcome Benefit

2,500 Reward Points credited upon realization of joining fee and first business spend.

⚡Reward Points Structure

4 Reward Points per ₹150 spent on regular business retail purchases. 5X Reward Points on tax payments, commercial vendor payments, flight bookings, and hotel stays via SmartBuy.

Redemption Value: 1 Reward Point = up to ₹0.50 on flight and hotel bookings via SmartBuy. 1 RP = ₹0.20 against cash statement credit.

🛫Airport & Railway Lounge Access

12 complimentary domestic airport lounge visits per calendar year across India. 6 complimentary international lounge visits per calendar year via Priority Pass.

🛡️Insurance & Fuel Surcharge Waiver

Insurance Cover: Accidental air death cover of ₹1 Crore. Emergency hospitalization cover up to ₹15 Lakhs. Business liability waiver cover protecting company against employee misuse.

Fuel Surcharge: 1% fuel surcharge waiver across all fuel stations in India on transaction amounts between ₹400 and ₹5,000 (maximum waiver of ₹500 per statement cycle).

🎯Milestone Spends & Grace Period

Milestones: Up to 15,000 bonus reward points annually on achieving business spend milestones of ₹5 Lakhs and ₹8 Lakhs. Annual fee waiver on ₹3 Lakhs spend.

Interest-Free Period: Up to 50 days of interest-free credit from transaction date.

What's Missing (Eligo's Honest Disclosures)

Fine-Print Exclusions & Realistic Costs

Requires business registration proof (GST, Udyam, or Certificate of Incorporation) and audited financials. Cash redemption rate is modest at ₹0.20 per point. Spend waiver requires ₹3 Lakhs annual spend.

Forex Markup Fee2.00% + GST markup on foreign currency transactions.

Cash Advance Fee2.5% of withdrawn amount or ₹500 (whichever is higher) + 3.60% monthly finance charges.

Finance Charges (Interest)3.60% per month (43.20% per annum) on revolving balances.

Late Payment SlabsNil for outstanding up to ₹100; ₹100 for ₹101–₹500; ₹500 for ₹501–₹1,000; ₹600 for ₹1,001–₹5,000; ₹800 for ₹5,001–₹10,000; ₹1,100 for ₹10,001–₹25,000; ₹1,300 for above ₹25,000 (+ GST).

Reward Points ExpiryReward points expire 3 years (36 months) from the date of accrual.

Categories Earning ZERO Rewards (Standard MITC Exclusion):Fuel transactions, wallet top-ups, and rent payments do not earn reward points.

Eligibility Criteria

Self-employed business owners, proprietors, and enterprise partners aged 21 to 65 with audited annual ITR exceeding ₹12,00,000.

Age Requirement21 to 65 Years

Minimum IncomeAudited business ITR > ₹12,00,000/year (Self-Employed / Business)

CIBIL Score NoteCommercial bureau check (CIBIL CMR) plus individual score of 750+ required.

SBI RelationshipHDFC Current Account or corporate banking relationship preferred.

How to Apply (Official Procedure)

Online Digital Application Flow

1Visit hdfcbank.com/business-cards or contact branch commercial credit manager.

2Enter Business entity PAN and GSTIN for automated business verification.

3Submit audited balance sheets and P&L statements for last 2 financial years.

4Designate primary cardholder (Proprietor, Partner, or Director) with personal KYC.

5Complete online Video KYC session with bank official.

6Card is approved and dispatched via courier within 3 to 5 business days.

Branch Application for Offline Applicants

Apply at any HDFC Bank branch through a Commercial Banking Relationship Manager with GST registration, audited ITR, and entity KYC documents.

Visit Official Card Page (hdfcbank.com)Download Official MITC (PDF)

Documents Required

1. PAN Card of Business Entity and Individual Authorized Signatory

2. Proof of Identity & Residence: Aadhaar Card, Passport, or Voter ID of applicant

3. Business Proof: GST Registration Certificate, Udyam Registration, or MoA/Partnership Deed

4. Financial Proof: Audited Balance Sheets and ITR acknowledgment with Computation for last 2 financial years.

Frequently Asked Questions (Official MITC)

What happens if I miss the minimum payment due on HDFC Business Regalia Credit Card?

If you do not pay at least the Minimum Amount Due (MAD) on or before the due date, late payment penalties will be charged according to the issuer's tariff: Nil for outstanding up to ₹100; ₹100 for ₹101–₹500; ₹500 for ₹501–₹1,000; ₹600 for ₹1,001–₹5,000; ₹800 for ₹5,001–₹10,000; ₹1,100 for ₹10,001–₹25,000; ₹1,300 for above ₹25,000 (+ GST).. In addition, revolving finance charges at 3.60% per month (43.20% per annum) on revolving balances. will be calculated from the original transaction dates on all outstanding balances and fresh purchases. You will lose the interest-free grace window, and the overdue record will be transmitted to credit bureaus (CIBIL, Experian, CRIF High Mark), adversely impacting your credit score.

Can I convert transactions on HDFC Business Regalia Credit Card into EMI?

Yes, HDFC Bank Ltd. provides merchant EMI and post-purchase in-app EMI conversion options for eligible transactions (typically above ₹1,500 to ₹2,500). Cardholders can configure repayment schedules from 3 to 24 months via the bank's mobile application, net banking dashboard, or SMS prompt. Conversion is subject to a nominal one-time processing fee (usually 1% to 2% + 18% GST) and tenure-based interest charges.

How do I track and redeem reward points or cashback on HDFC Business Regalia Credit Card?

You can monitor accrued reward points or cashback by accessing your monthly e-statements or logging into HDFC Bank Ltd.'s official mobile banking application or web portal. 1 Reward Point = up to ₹0.50 on flight and hotel bookings via SmartBuy. 1 RP = ₹0.20 against cash statement credit. Please note: Reward points expire 3 years (36 months) from the date of accrual.

What is the interest-free grace period on HDFC Business Regalia Credit Card and how does it work?

The interest-free period on HDFC Business Regalia Credit Card is Up to 50 days of interest-free credit from transaction date.. This benefit is applicable strictly when the full Total Amount Due from the previous billing cycle was cleared by the payment due date. If any residual balance is carried forward, all purchases immediately incur daily finance charges (3.60% per month (43.20% per annum) on revolving balances.) with zero grace period. ATM cash withdrawals never receive a grace period and incur interest and cash advance fees from the withdrawal timestamp.

← Back to Complete Credit Cards Directory View All HDFC Bank Ltd. Products & Loans →