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HDFC BANK LTD
HDFC Business Regalia Credit Card
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Verified Catalog
Source: HDFC BANK LTD Official
Updated: Aug 2026
Overview
Editorial snapshot & Positioning.
Business-focused credit card providing rewards on business expenses, cash flow management features, and travel benefits for business owners
Key features
Highlights and rewards metrics.
The strongest rewards and lifestyle perks are surfaced as concise highlights.
Highlight 1
Business-oriented rewards
Highlight 2
Fuel surcharge waiver for transactions between ₹400 to ₹5,000
Highlight 3
Airport lounge access
Highlight 4
Foreign currency markup of 3.5% (effective from August 1, 2024)
Technical details
Fees structure and lounge network details.
Joining fee, annual fee, and lounge network coverage are shown in a minimal data grid.
Joining fee
₹2,500
The front-loaded charge when you apply.
Annual fee
₹2,500
Shown alongside the annual renewal cost.
Networks
Domestic & Int'l
Lounge network compatibility.
Rewards Calculator
Interactive Spend & Earning Estimation.
Slide to match your average monthly spending across categories and see how much value you earn back in a year.
Monthly Spending Profile
Dining & Food (1% value)
₹5,000Travel & Hotels (1.5% value)
₹5,000Groceries (1.5% value)
₹5,000Online Shopping (2% value)
₹10,000Other Spends (1% value)
₹5,000Estimated Annual Spends
₹3,60,000
Annual Value Back
₹5,400
Rewards value at ~₹1 per point.
Annual Fee: ₹2,500100% Offset
🎉 Your earnings completely offset the annual fee!
Premium Benefits
Core privileges & lounge coverage.
Explore travel, dining, lifestyle, and protection privileges associated with this card tier.
Airport Lounge Access
Complimentary airport lounge access included with card membership.
Visits: 1 Domestic / 0 International per year.
Hotel Privileges
"Unlimited international"
Detailed Schedule & Eligibility
Technical fees & documentation requirements.
View interest rates, Forex charges, late fees, and document checkmarks needed for approval.
No secondary fee details registered for this card.
Summary
Pros, cons, rating, and decision metrics.
CredHunt Expert Verdict
Editorial Review Score: 10/10
"Entry-level business card with decent rewards on business expenses; good starter option for small business owners with modest spending requirements"
Expert opinion & editorial scorecard summarizing the card's position.
5.0 / 5
Pros
- Welcome Offer: Not specified in MITC
- Base Rate: 1% Cashpoints on other spends (Excluding Rent, Wallet loads, EMI, Fuel, Insurance Payments & Government categories)
- Accelerated Rewards Program: 10 Reward Points per ₹100 spent on Snapdeal (max 2000 RP per statement)
- Dining: 6X Travel Credits
Cons
- Travel (Hotels & Other): Unlimited international
- Movie/Entertainment: 5% on Prime bookings
- Waive off condition: ₹6L annual spend
- good starter option for small business owners with modest spending requirements
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