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HDFC BANK LTD
HDFC Business Regalia First 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 telecom, utility bills, and travel with cashback benefits and concierge services
Key features
Highlights and rewards metrics.
The strongest rewards and lifestyle perks are surfaced as concise highlights.
Highlight 1
Entry-level business premium card
Highlight 2
Fuel surcharge waiver capped at ₹500 every billing cycle
Highlight 3
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
₹1,000
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: ₹1,000100% 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 lounge network access details available on issuer portal.
Hotel Privileges
"Unlimited int'l lounge+guests"
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
"Strong lifestyle card with excellent cashback on popular online merchants; good for those who shop frequently on the supported platforms and can reach quarterly spending milestones"
Expert opinion & editorial scorecard summarizing the card's position.
5.0 / 5
Pros
- Welcome Offer: 2500 Mojo points
- Accelerated Rewards Program: 4 Reward Points per ₹100 on most categories
- Dining: 4X Travel Credits
- Insurance: ₹50L air accident
Cons
- Base Rate: 1 RP/₹100 on all other spends
- Travel (Hotels & Other): Unlimited int'l lounge+guests
- Lifestyle and Fashion: Multi-brand vouchers
- Waive off condition: ₹30k annual spend
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