HDFC Business Regalia Credit Card

The HDFC Bank Business Regalia Credit Card stands out as a premier luxury card in the HDFC Bank lineup. Renowned for its popularity, this card brings forth a myriad of advantages with each transaction across travel, shopping, dining, and beyond. Tailored specifically for business professionals, it caters to their needs by offering opulent rewards and cashback on both business and personal transactions. In contrast, HDFC Bank provides another option, the HDFC Regalia Credit Card, crafted for personal use and distinct from the HDFC Business Regalia Credit Card, which caters specifically to the needs of business professionals.

Key Highlights of HDFC Business Regalia Credit Card

  1. Earn 4 Reward Points for each Rs. 150 transaction.
  2. Receive 5% Cashback on Telecom, Utility, Govt & Tax Payments.
  3. Benefit from up to 50 days of interest-free credit.
  4. Experience zero cost liability when reporting a lost card to the bank’s 24-hour call center.
  5. Access 24/7 Concierge Services with the HDFC Bank Business Regalia Credit Card.
  6. Enjoy 12 complimentary airport lounge visits annually, valid at domestic and international terminals.
  7. Avail Priority Pass for both the primary cardholder and add-on members.
  8. Receive a 1% fuel surcharge waiver.

Features and Benefits of HDFC Business Regalia Credit Card

The HDFC Business Regalia Credit Card offers several features and benefits:

1. Welcome Benefit:

  • HDFC Bank Business Regalia Credit Card provides a complimentary Zomato Gold membership as a welcome gift.
  • Enjoy two complimentary drinks or one complimentary dish at Gold-partnered restaurants with this offer.
  • To avail, spend Rs.75,000 on the card within the first three months of issuance.

2. Cashback Program:

  • Earn 5% cashback, up to Rs.500 per statement, on categories like electricity bills, telecom bills, government and tax payments, railways, hotels, dining, and taxi bookings.
  • Minimum spending of Rs.20,000 on the card is required to access this cashback feature.

3. Reward Points Program:

  • The card offers a rewarding points program based on yearly spends.
  • Earn 15,000 points on yearly spends of Rs.8 lakh and 10,000 points on spends of Rs.5 lakh in each anniversary year.

4. Airport Lounge Programme:

  • Access over 1000 airport lounges globally through Priority Pass Membership.
  • Primary and add-on cardholders can jointly avail six complimentary accesses to international lounges.

5. Contactless Payment Technology:

  • Use the card for secure and quick contactless payments at retail outlets and merchant locations.

6. Dining Privileges:

  • Access exclusive dining offers at premium restaurants across the country with the HDFC Business Regalia Credit Card.

7. Best-in-class Rewards Programme:

  • Earn four reward points for every Rs.150 spent on the card.
  • Redeem points for hotel bookings and travel on Smartbuy, with the option to convert them into air miles.

8. Travel Concierge Services:

9. Fuel Benefits:

  • Enjoy a 1% fuel surcharge waiver on transactions at all Indian fuel stations, with a minimum transaction of Rs.400.
  • Avail a maximum cashback of Rs.250 per statement cycle.

10. Easy EMI Options:

  • Make no-cost EMI purchases for furniture, interiors, or electronics using the HDFC Business Regalia Credit Card.

HDFC Business Regalia Credit Card Fees and Charges

Explore the fee structure for the HDFC Business Regalia Credit Card and discover the financial advantages that come with it.

  1. Joining Fee: HDFC Bank requires a payment of Rs. 2,500 (plus applicable taxes) for acquiring the HDFC Bank Business Regalia Credit Card.
  2. Annual Fee: A yearly fee of Rs. 2,500 (plus applicable taxes) is imposed by HDFC Bank for maintaining the HDFC Bank Business Regalia Credit Card.
  3. Interest Rate: If the cardholder fails to settle the entire outstanding balance by the payment due date, an interest rate of 3.6% per month (equivalent to 43.2% annually) will be levied on the due amount.
  4. Forex Mark-up Fee: For foreign currency transactions conducted with the HDFC Business Regalia Credit Card, a fee of 2% (plus applicable taxes) of the transaction amount is applicable.
  5. Cash Advance Charges: When using the HDFC Business Regalia Credit Card for cash advances, a charge of 2.5% of the withdrawn amount or a flat Rs. 500 (whichever is higher) will be applied.

Eligibility Criteria for HDFC Business Regalia Credit Card

Here are essential criteria for applying for an HDFC Business Regalia Credit Card:

  1. Employment Status: Self-employed
  2. Age Range: 21 to 65 years
  3. Minimum Annual Income Tax Return (ITR): Rs. 12 Lakh

Documents Required for HDFC Bank Business Regalia Credit Card

To apply for the HDFC Business Regalia Credit Card, you will typically need to provide the following documents:

1. Identity Proof:

  • PAN Card
  • Aadhar Card
  • Voter’s ID
  • Passport

2. Address Proof:

  • Aadhar Card
  • Utility bills for the latest months
  • Passport

3. Additional Documents:

  • Passport-sized photograph
  • Driving License
  • Audited Income Tax Return (ITR)
  • Job Card issued by NREGA

How To Apply for HDFC Business Regalia Credit Card?

Follow these steps to apply for the HDFC Business Regalia Credit Card:

  1. Access the Business Regalia Credit Card page on HDFC Bank’s official website: www.hdfcbank.com/personal/credit_card/business-regalia.
  2. Select the ‘Apply Online’ option.
  3. Complete the ‘Credit Card Application Form’ by providing the necessary information.
  4. Click ‘Submit’ to send your application.
  5. After successful submission, expect a call from an HDFC representative who will assist you in the next steps of the application process.

Frequently Asked Questions (FAQs) –

1. What is HDFC Business Regalia Credit Card?

The HDFC Business Regalia Credit Card is a premium credit card designed for business-related expenses, offering various benefits and features.

2. How can I apply for the HDFC Bank Business Regalia Credit Card?

You can apply for the HDFC Business Regalia Credit Card by visiting the official HDFC Bank website and clicking on the ‘Apply Online’ button.

3. What information is required to fill the Credit Card Application Form?

The application form typically requires personal and business details, including your name, contact information, business information, and financial details.

4. What are the key features of the HDFC Bank Business Regalia Credit Card?

The card offers features such as reward points on transactions, travel benefits, lounge access, insurance coverage, and exclusive privileges for business-related expenses.

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

Eligibility criteria may include a minimum income requirement, business stability, and creditworthiness. Check with HDFC Bank for specific details.

6. How long does it take for the credit card application to be processed?

The processing time may vary, but once the application is submitted, HDFC Bank will review it, and you will be informed of the status in a reasonable timeframe.

7. How can I check the status of my HDFC Business Regalia Credit Card application?

You can check the application status online on the HDFC Bank website or contact the bank’s customer service for updates.

8. What are the annual fees associated with the HDFC Business Regalia Credit Card?

The annual fees for the HDFC Business Regalia Credit Card may be mentioned in the terms and conditions. Check the official website or contact HDFC Bank for the most accurate and up-to-date information.

9. What rewards and benefits does the HDFC Business Regalia Credit Card offer?

The card provides rewards in the form of points, travel benefits, access to airport lounges, and exclusive privileges tailored for business needs. Refer to the card’s details for specific benefits.

10. How can I contact HDFC customer support for queries related to the Business Regalia Credit Card?

You can reach HDFC credit card customer care through their helpline or visit a nearby HDFC branch. Contact details are also available on the official website.