HDFC Business Regalia Credit Card: Benefits & Apply

Summary

The HDFC Business Regalia Credit Card is a business credit card. It offers travel, luxury, and reward privileges to busy professionals. Its users can generate 4 Reward Points for every ₹150 spent, which is redeemable for flights, hotel stays, shopping, and gift vouchers.

For frequent travelers, it offers 12 free visits to domestic lounges and 6 international lounge visits per year through Priority Pass. It also provides travel insurance covering lost baggage, flight delays, and medical emergencies, as well as air accident insurance up to ₹1 crore.

Dining and lifestyle privileges include discounts at prestige restaurants and other luxury offers, cashback on selected merchants, and waiver of a 1% fuel surcharge on transactions between ₹400 and ₹1,00,0

Introduction

In today’s busy business life, businessmen need a credit card that completely understands their business needs and offers features that are tailored to them. This Card is designed with this objective in mind. This Card is especially suitable for business individuals and entrepreneurs who are looking for high-end financial features and benefits to better manage their business.

Business Regalia Credit Card is a premium credit card that helps you take control of business expenses. Business Regalia Credit Card not only offers you convenience in daily transactions but also offers great benefits on travel, hotel, and other business expenses. It is specially designed and benefits businessmen who expect a high level of services and benefits.

The features of the credit card include a high credit limit, attractive reward points, and travel insurance. With the help of reward points, you can get benefits on various business expenses and enjoy additional discounts while traveling. Apart from this, the travel insurance and commercial security coverage available with Business Regalia Credit Card makes your business travel even safer.

In today’s article, we will discuss in detail about Business Regalia Credit Card. In which we will tell you in detail about its benefits. Along with this, in this article, we will also discuss the fees of the Business Regalia Credit Card and will discuss in detail how to apply for it. So read this article till the end so that you do not have any problems later.

What is the HDFC Business Regalia Credit Card?

This is a premium credit card designed particularly for business persons and entrepreneurs with specific financial needs. This Card is brought to the masses by HDFC Bank and thereby makes it an easy mode of business expense management to avail financial benefits.

Business Regalia Credit Card offers features such as a high credit limit, attractive reward points, and special discounts to its cardholders. HDFC Business Regalia Credit Card also offers travel insurance and commercial security coverage during business travel, making your business travel safe and convenient.

Business expenditures that are often bought at discounts or special deals aid in efficiently handling a budget. Thus, the Business Regalia Credit Card is the perfect solution well-understood based on the complete requirement of business’s financial requirements.

How is the design of the HDFC Business Regalia Credit Card?

The Business Regalia Credit Card is extremely stylish and classy. This credit card comes in a black and gold color combination that gives it a premium look. The HDFC logo on the card is embossed and has a light texture pattern that makes it classy. Overall, it speaks of sophistication, and most businesspersons will find it to be a credit card that’s stylish and high-end in quality.

What are the benefits of the HDFC Business Regalia Credit Card?

Here are the major benefits:

1. Reward Points on Every Spend

• 4 Reward Points for every ₹150 spent.

• The points can be redeemed on flights, hotels, gifts, and shopping.

2. Free Airport Lounge Access

• Enjoy 12 free domestic lounge visits in a year.

• Avail 6 free international lounge visits in a year using the Priority Pass.

3. Travel & Dining Benefits

• Book travel, and luxury hotels at discounts.

• Enjoy special discounts on the best restaurants.

4. Insurance & Protection

• ₹1 crore air accident insurance.

• Baggage loss, flight delays, medical emergencies, and many more.

5. Fuel Surcharge Waiver

• Transaction between ₹ 400 to ₹ 1,00,000 gets a waiver of 1% fuel surcharge.

6. Smart EMI Options

• Big purchases can now be converted into easy EMIs.

What are the fees for the HDFC Business Regalia Credit Card?

Here is a simple breakup of the Business Regalia Credit Card fees.

Joining Fee	₹2,499 + GST (one-time fee when you get the card).
Annual Fee	₹2,499 = GST per year. This will be waived if you spend 5,00,000 or more in a year.
Add-on Card Fee	There are no charges for additional cards for family members.
Finance Charges	3.5% per month (47% annually) on the outstanding balance if you don’t pay your bill in full.
Cash Advance Fee	2.5% of the amount withdrawn or ₹500, whichever is higher.
Late Payment Fee	For Statement Balance Less than Rs. 101 – NilRs. 101 – Rs. 500 – Rs. 150Rs. 501 – Rs. 5,000 – Rs. 500Rs. 5,001 – Rs. 20,000 – Rs. 750Rs. 20,000 & above – Rs. 1,000

What are the criteria for getting an HDFC Business Regalia Credit Card?

The following are the primary requirements:

1. To apply for the HDFC Business Regalia Credit Card, you must be between 18 and 70 years old.

2. The income requirement differs according to your employment status:

• Self-Employed Professionals: A minimum Annual income of Rs 10 lakhs usually does the job.

3. A secured income ensures regular timely payments on the credit card bill. Any amount above it ensures that it increases the approval probability.

4. Your credit score plays a role in the selection process. It is a tendency for HDFC Bank to favor borrowers with a better credit score usually above 750. 

5. You must be an Indian resident and have valid address proof within the country. 

6. A salaried person must be employed with a reputed company or organization. The bank can ask you for documents like your salary slip or employment letter.

7. A Self-employed person must have business experience in the past years, generally 2+ years. You must show the bank proof of good consistent income. This may be your income tax returns and bank statements.

What documents are required to get an HDFC Business Regalia Credit Card?

The documents that you will have to submit to get a Credit Card are as below:

Identity Proof	Aadhaar card, Passport, Voter ID, Driving license, PAN card
Address Proof	Salary slip for the last 3 months if you are a salaried employee bank statement for the last 3 monthsITR for self-employed persons
Income Proof	Salary slip for the last 3 months if you are a salaried employee bank statement for the last 3 months for self-employed persons
Photograph	The latest passport-sized photograph

Where can the HDFC Business Regalia Credit Card be used?

Here is the list of places where you can use it:

• With the Business Regalia Credit Card, you can shop for clothing, electronics, accessories, and more at almost every retail outlet, shopping mall, and e-shopping website.

• You can also use it on websites like Amazon, Flipkart, etc., and also make bookings on websites like MakeMyTrip, Yatra, etc.

• You can use the card to pay for your meals in restaurants, cafes, and fast food outlets.

• You can use it to book flight, train, or bus tickets, as well as to pay for taxi, Uber, Ola, or hotel bookings.

• You can use your credit card to pay electricity and water bills, mobile bills, and internet services.

• You can use your Business Regalia Credit Card to pay for expensive items such as electronics or appliances through easy monthly installments (EMIs).

• The Business Regalia Credit Card is also accepted in other countries, where you can make purchases and payments. It is also accepted wherever Visa is accepted.

What is the credit limit of the HDFC Business Regalia Credit Card?

The credit amount you can spend is what you are provided with a Business Regalia Credit Card. It is based on your income, credit score, and other financial history when you are selected for this credit card by the bank.

For instance, if you have a credit limit of ₹50,000, you can spend up to that amount only. If you want to spend more than the limit, the bank will not consider it.

The actual credit limit varies with the person. A credit limit could be ₹30,000 for someone and ₹1,00,000 for another or even more, considering his/her profile and financial background.

It’s essential to follow the expenses and not exceed the credit limit because when you pass this limit then penalties get added, and your credit score also goes down.

How do you apply for an HDFC Business Regalia Credit Card?

Apply it through both these modes: 

Online Application Process

• Visit the official website of the HDFC Bank, i.e. 

• Go to ‘Cards’, followed by ‘Credit Cards’.

• On that page, you can see numerous options for credit cards issued by HDFC Bank; for instance, you can choose the  HDFC Business Regalia Credit Card.

• Just hover your cursor on the HDFC Business Regalia Credit Card, followed by selecting ‘Apply Now’ from there.

• You will be asked to fill out your details including your name, contact information, income details, and employment status.

• Be accurate and updated with the information provided.

• You are required to upload documents like your identity proof, address proof, income proof, and photograph, as per the list of documents mentioned above.

• After filling out the details and uploading the documents, review your application to make sure everything is correct.

• Apply online through the application form.

• The bank will check your application after submitting it. They can ask for extra documents or information if required.

• You will be informed about the status of your application, and if approved, your card will be delivered to you.

Offline Application Process

• You can walk into the nearest HDFC Bank branch to apply for the HDFC Business Regalia Credit Card.

• Request for the credit card application form of the Business Regalia Credit Card. They will provide you with the form and proceed accordingly.

• Fill the details in the application form wherever it is required. Care should be taken that all the information about personal details, income, and jobs provided by the applicant should be correct.

• Along with the form, furnish the relevant documents. The list of documents includes Identity proof, Address proof, Proof of income, and pas hotograph.

• Your application will be processed, and your information will be cross-checked at the bank level.

• In case of successful completion, the bank will sanction the credit card with a reply and forward it to the registered address.

• You will receive the HDFC Business Regalia Credit Card by post at the same postal address.

• Once you receive your card, you need to activate it by following the instructions given in the envelope, either through the HDFC Bank Card website, or mobile app or by calling their customer service.

• For security purposes, you must set your PIN (Personal Identification Number) before you can start using your credit card.

Would getting an HDFC Business Regalia Credit Card in 2025 be right?

Yes, getting an HDFC Business Regalia Credit Card in 2025 can be a good option if you require a credit card with great offers, especially for those who shop for lifestyle products. The reward is excellent and comes with the purchase of items such as jewelry. On top of that, the bank provides discounts and easy access to the EMI facility. 

HDFC Bank is also a strong bank with high customer service, so it is dependable. But don’t forget that you should make sure that you can handle your credit responsibly in terms of paying the bills and keeping your credit from exceeding its limit. Provided that you are stable in terms of income and you have good credit, it might be a very good option in 2025.

Conclusion

HDFC Business Regalia Credit Card is a great financial tool for business persons and entrepreneurs that plays an important role in making their business life easier and better. The features and benefits offered by it, such as high credit limit, reward points, travel insurance, and commercial security coverage, all combine to provide a great financial solution to the merchants.

The features of the Business Regalia Credit Card set it apart from other credit cards as it not only facilitates your daily transactions but also helps in business growth and development. The attractive offers and discounts available to the cardholder, as well as the customer service of the bank, make it a complete and reliable option.

In a nutshell, the Business Regalia Credit Card is a great choice for businessmen looking to give their business growth a new direction and financial management an important boost. The benefits and facilities received through it prove to be an important step towards a strong and capable business life.

Frequently Asked Questions (FAQ’s)