HDFC Bank Business Regalia Credit Card
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Closed to new applications · Earns Reward Points
HDFC Bank no longer offers this card. The bank’s own page says: “We are currently not accepting new applications for the HDFC Bank Business Regalia Credit Card”
Open alternatives
First-year fee
₹2,500 + GST
Annual fee
₹2,500 + GST
What it gives back
4 Reward Points per ₹200 · everyday spends
Fees
Annual feeJoining fee
₹2,500 + GST
Fee waiver rule
When you have used the card for spends of ₹3 Lakh during 1 calendar year, the renewal fees for the next year are waived off by HDFC Bank
Add-on card fee
₹0
Rewards
Reward rate
4 Reward Points per ₹200 · everyday spends4 Reward Points on every ₹200 spent.
EMI spend earning
Excluding wallet, EMI and petrol
Insurance spend earning
4 Reward Points on every ₹200 spent on all retail spends including Insurance
Rent earning
Rent payment and Education related transactions will not earn reward points.
Utilities earning
4 Reward Points on every ₹200 spent on all retail spends including Utilities
Reward exclusions
On all retail spends excluding wallet, EMI and petrol
Reward caps
The maximum 50,000 Reward Points can be earned in a statement cycle
Catalogue redemption
Products and Vouchers via NetBanking or SmartBuy at a value of 1 RP = upto ₹0.35
Flight redemption
Flights and hotel bookings via SmartBuy at a value of 1 RP = 0.5.
Points transfer redemption
Airmiles conversion through NetBanking at a value of 1RP = 0.5 airmile.
Statement-credit redemption
1 RP = ₹0.15 as CashBack against statement.
Point expiry
Reward Points /CashPoints are valid only for 2 years from the date of accumulation
Card benefits
International lounge access
Up to 6 Complimentary Lounge Access per calendar year, outside India
Domestic lounge access
Domestic lounge access via vouchers on meeting spends criteria.
Priority Pass
Using Priority Pass, you and your add on member can together avail up to 6 Complimentary Lounge Access per calendar year, outside India
Dining programme
Flat 10% extra off on dining bills at 35K+ restaurants.
Milestone benefits
Bonus Reward Points worth 10,000 on spends of ₹5 lakh in the anniversary year
Also included
Fuel surcharge waiver
1% fuel surcharge waiver on minimum transaction of ₹400 & maximum transaction of ₹5000. Maximum waiver of ₹500 per statement cycle
Surcharge on railway tickets
1% of the transaction + GST will be charged on Railway Ticket Purchases
Lost card liability
Zero Cost Card Liability
Balance transfer terms
Balance Transfer Processing Charges: 1%.
Purchase to EMI conversion
Option to convert big spends into EMI after purchase available.
Charges
Forex markup
3.5% on foreign currency transactions.
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 on unpaid balance
Finance charges of 3.75% monthly, 45.0% annually (all other variants)
Interest-free period
Up to 50 days of interest free credit period on vendor/supplier bill payments and GST payments
Late payment fee
Nil for outstanding balance less than equal to ₹100; ₹100 for ₹101 to ₹500; ₹500 for ₹501 to ₹1,000; ₹600 for ₹1,001 to ₹5,000; ₹750 for ₹5,001 to ₹10,000; ₹900 for ₹10,001 to ₹25,000; ₹1100 for ₹25,001 to ₹50,000; ₹1300 for more than ₹50,000.
Over-limit fee
2.5% of the overlimit amount subject to minimum of ₹550, on total outstanding exceeding the Credit limit
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.
Card replacement fee
Reissue of Lost, Stolen or Damaged Card: ₹199 for non-metal cards; ₹3,500 for metal cards.
Cash payment / cash deposit fee
₹100 for all card payments made by depositing in HDFC Bank branches or ATMs.
Charge for lounge visits beyond the free limit
If you exceed the 6 Complimentary visits, you will be charged at US $27 + GST per visit
Education / school fee charge
1% fee will be levied on Education transactions done through third party applications.
EMI conversion fee
Smart EMI processing fee: upto ₹849 (exclusive of GST for all loan amounts)
Fee on online skill-based gaming spends
1% fee on online skill based gaming spends exceeding ₹10,000 in a calendar month, capped at ₹4999 per month.
Reward redemption fee
₹99 + GST per catalogue redemption request
Wallet load charge
1% fee on Wallet loading spends exceeding ₹10,000 in a calendar month.
Fuel transaction fee
1% fee on fuel transactions exceeding ₹30,000 for business cards, capped at ₹4999 per transaction.
Rent transaction fee
1% fee on transaction amount on rental transactions done on any applicable merchant, capped at ₹4999 per transaction.
Utility transaction fee
1% fee on utility spends exceeding ₹75,000 per calendar month for business cards, capped at ₹4999 per month.
GST note
GST @ 18% on interest and late payment charges
In the terms, not the brochure (2)
Spend that unlocks lounge visits in the next period
₹1 Lakh spend in the previous quarter unlocks 2 Complimentary Domestic Lounge Access per quarter (Jan-Mar | Apr-Jun | Jul-Sep | Oct-Dec)
Whether carrying a balance ends the interest-free period
This period will be free of interest only if all previous dues are paid in full and there is no unpaid balance carried over from previous months.