HDFC Bank Business Corporate Regalia

Add-on card fee

₹0

Reward rate

4X reward points for every ₹150 spent.

EMI spend earning

Easy EMI, Wallet loading transactions, Fuel, Cash advance, fees and other charges do not accrue any reward points.

Fuel earning

Fuel, Cash advance, fees and other charges do not accrue any reward points.

Insurance spend earning

Reward points accrued for Insurance transactions will have a maximum cap of 2,000 per transaction

Online earning

Up to 10% CashBack on Flight & Hotel bookings, Gift Vouchers and more via SmartBuy

Rent earning

Rent payments will not earn Reward Points.

Wallet load earning

Wallet loading transactions, Fuel, Cash advance, fees and other charges do not accrue any reward points.

Reward exclusions

Only retail purchases qualify for Reward Points.

Catalogue redemption

Redeem Reward Points against catalogue options.

Flight redemption

You can choose to redeem your Reward Points instantly against: Airline ticket booking.

Hotel redemption

You can choose to redeem your Reward Points instantly against: Hotel booking.

Points transfer redemption

Redeem Reward Points for miles against leading International and Domestic airlines.

Statement-credit redemption

Payment of at least Minimum Amount Due is required even if you are redeeming your Reward Points against outstanding on your Card Account

Point expiry

Reward points valid for up to 2 years

What one reward unit is worth

1 Reward Point = ₹0.30 when redeemed on offers.smartbuy.hdfcbank.com/corporate.

Lounge benefit

8 complimentary airport lounge accesses per year.

International lounge access

Six international lounge visits annually.

Priority Pass

Through the Priority Pass program, you can enjoy eight domestic airport lounge visits annually and six international lounge visits annually.

Hotel or travel programme

Complimentary Club Vistara Silver membership.

Dining programme

Unique dining privileges and discounts through partner programs.

Minimum spend rules

Transactions less than ₹150 will not accrue any Reward Points.

Fuel surcharge waiver

1% fuel surcharge waiver on transactions.

Surcharge on railway tickets

1% of transaction amount + GST on railway ticket purchases

Insurance benefit

Extensive insurance coverage of ₹1 crore.

Lost card liability

Zero Lost Card Liability — protection against fraudulent transactions.

Balance transfer terms

1% processing charge

Purchase to EMI conversion

Easy management of transactions through SmartEMI.

Dynamic currency conversion markup

1.75%1.75% on each International transaction carried out in Indian currency at an international location

Cash advance fee

A transaction fee of 2.5% or ₹500 whichever is higher would be levied on the amount withdrawn.

Cash advance interest

All cash advances also carry a finance charge equal to charges on revolving credit.

Cash withdrawal limit

Cash withdrawal limit: 40% of the Credit Limit.

Interest-free period

Up to 50 days of interest-free credit on purchases

Late payment fee

₹100 or less: Nil; above ₹100 to ₹500: ₹100; above ₹500 to ₹5,000: ₹500; above ₹5,000 to ₹10,000: ₹600; more than ₹10,000: ₹750.

Over-limit fee

2.5% of the overlimit amount subject to minimum of ₹550

Payment return or dishonour fee

2% of the payment amount (minimum ₹450)

Statement or duplicate statement fee

Duplicate physical statement charges: ₹10 per duplicate physical statement.

Cash payment / cash deposit fee

₹100 for all card payments made by depositing in HDFC Bank branches or ATMs.

Reward redemption fee

₹99 per catalogue/dedicated portal redemption request.

Wallet load charge

1% fee on wallet loading spends exceeding ₹10,000 in a calendar month.

Rent transaction fee

1% fee on transaction amount will be levied on rental transactions done on any applicable merchant for the month. Fee capped at ₹4999 per transaction.

GST note

GST @ 18% on interest and late payment charges

Minimum amount due

MAD = Total GST + EMI amount + 100% of Fees/Charges + 100% of Finance Charges + 5% of Retail Spends + Cash Advance (if any) + Overlimit Amount (if any), rounded to the next higher 10th digit

Documents required

KYC documents, proof of business existence, income documents, and other relevant documents as per HDFC Bank's Credit Card application requirements.