एचडीएफसी बिजनेस रेगलिया क्रेडिट कार्ड
जारीकर्ता बैंक / संस्था: HDFC Bank Ltd.
SME and corporate commercial credit card providing high credit limits, tax payment rewards, 12 domestic & 6 international lounge visits, and 2.0% forex markup.
💳कार्ड विवरण एवं मुख्य लाभ (Card Overview & Benefits)
कार्ड का संक्षिप्त विवरण
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.
2,500 Reward Points credited upon realization of joining fee and first business spend.
12 complimentary domestic airport lounge visits per calendar year across India. 6 complimentary international lounge visits per calendar year via Priority Pass.
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).
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.
📋पात्रता मानदंड एवं नियम (Eligibility & Requirements)
पात्रता की शर्तें
Self-employed business owners, proprietors, and enterprise partners aged 21 to 65 with audited annual ITR exceeding ₹12,00,000.
न्यूनतम वार्षिक आय आवश्यकता
Audited business ITR > ₹12,00,000/year (Self-Employed / Business)
📂आवश्यक दस्तावेज (Required Documents)
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.
⚠️क्या कमी है / महत्वपूर्ण शुल्क चेतावनियां (Honest MITC Disclosures & Hidden 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.
🚀आवेदन के चरण (How to Apply)
Step 1: Visit hdfcbank.com/business-cards or contact branch commercial credit manager. Step 2: Enter Business entity PAN and GSTIN for automated business verification. Step 3: Submit audited balance sheets and P&L statements for last 2 financial years. Step 4: Designate primary cardholder (Proprietor, Partner, or Director) with personal KYC. Step 5: Complete online Video KYC session with bank official. Step 6: Card is approved and dispatched via courier within 3 to 5 business days.
❓अक्सर पूछे जाने वाले प्रश्न (FAQs)
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.