HDFC Business Regalia Credit Card

The Business Regalia Credit Card offered by HDFC provides important benefits such as emergency overseas hospitalization and air accident compensation. To learn more about HDFC Business Regalia Credit Card interest rate, HDFC Business Regalia Credit Card eligibility, and documents required for HDFC Business Regalia Credit Card, stay tuned at

HDFC Business Regalia Credit Card features:

  • Four Reward Points for every Rs 150 spent.
  • Worldwide Concierge Services
  • Nominal foreign currency mark-up charge of 2% on foreign transactions

HDFC Business Regalia Credit Card Advantages:

Lifestyle and Travel Benefits: The cardholders enjoy a complimentary Taj Epicure Plus Membership Card that comes with exciting benefits. Customers can avail the Gold Level Status of Taj Inner Circle and acquire points for expenditure on F & B in Taj resorts and hotels. Special gift certificates are also offered to cardholders.

Dedicated Entertainment and Travel Portal: Reward points can be redeemed by signing in to Reward points can be redeemed against air tickets, hotel bookings, movie bookings, DTH or mobile recharge.

Special Dining Offers: Cardholders can avail special dining offers at more than 300 top-class hotels throughout India.

Complimentary Vistara Silver Membership: Cardholders enjoy a free Club Vistara Silver Membership Card. This special card enables one to earn 6 Club Vistara points on each Rs 100 spent on the booking of Vistara flights. Cardholders can carry an additional baggage of 5 Kg while travelling on Vistara flights. Priority check-in and boarding in airports are also offered.


Fuel Surcharge Waiver: If your expenditure on fuel via this card is Rs 400, the fuel surcharge is waived off.

Rewards: Cardholders, by default, earn 4 reward points for every expenditure of Rs 150. 8 reward points can also be earned on Regalia website bookings, Air Vistara website bookings, or on dining bills.

Protection for Air Accidental Death: A Business Regalia cardholder can nominate a loved one who would get compensation of up to Rs 1 crore in the unfortunate incident of death in an air tragedy.

Concierge Services: Concierge services provided by HDFC to its Regalia customers comprise dining assistance, itinerary reservation and planning, event organizing, worldwide gift deliveries, meet and greet charges, etc.

Emergency Hospitalization Overseas: In case of overseas medical emergencies, cardholders enjoy protection of up to Rs 15 lakhs. This facility is offered only to primary cardholders up to the upper age limit of 70 years.

Lounge Access: A HDFC Business Regalia credit cardholder gets a complimentary Priority Pass Membership and gets to enjoy free lounge access at more than 700 airports across the world.

Cardholders can also enjoy:

  • Free refreshments as well as facilities such as use of conference rooms, internet, fax, and phones
  • 12 free access to Priority Pass Lounge, every year

A guest can also avail this facility by using your card with a nominal fee payment of $27 each person.

Financial advantages: A cardholder enjoys lowest foreign currency mark-up up to 2%, per foreign currency expenditure.

HDFC Business Regalia Credit Card fees:

  • Overlimit charge is 2.5% on overlimit amount, applicable on the minimum overlimit sum of Rs 500.
  • Foreign Currency charge is mark-up up to 2%.
  • Payment Return charge is 2% of the amount, subject to a minimum sum of Rs 450.
  • Outstation Cheque Processing Fee is Rs 25 for a cheque of value up to Rs 5000 and Rs 50 for a cheque of value over Rs 5000.
  • Cash processing charge amounts to Rs 100 for every cash deposit done in HDFC ATM or branch.
  • Reissuance of card costs Rs 100.
  • Purchase of railway tickets via card costs Rs 30 plus 2.5% of the transaction value.
  • Reward redemption costs Rs 75 for every redemption request.
  • Balance transfer charge is 2% of the transferred amount or Rs 250, whichever is more.
  • Fuel surcharge waiver is capped at Rs 500, each billing period.
  • Cash advance charge is 2.5% of the advance of Rs 300, whichever is more.
  • Cardholder enjoys up to 50 interest-free days.
  • Revolving credit charges are 1.99% monthly or 23.88% yearly. Interest rate varies on basis of utilization, payback, and expenditures. Maximum rate charged in case of defaults is 42% annually or 3.5% monthly.
  • The minimum repayment amount is 5% of the amount, minimum amount being Rs 200.
  • Up to 3 free add-on cards can be availed.
  • The renewal charge is Rs 2500.
  • Late payment fee is Rs 100 for statement balance between Rs 100 and Rs 500, Rs 400 for balance between Rs 501 and Rs 5000, Rs 500 for balance between Rs 5001 and Rs 10,000, and Rs 700 for balance of Rs 10,001 and above.
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