The HDFC Bank Business Regalia Credit Card range includes premium business and corporate credit cards designed for entrepreneurs, self-employed professionals, business owners, SMEs, and corporate entities. These HDFC credit cards offer business rewards, airport lounge access, expense management, travel privileges, interest-free credit, SmartEMI options, insurance protection, and digital card controls. The three major variants are Business Regalia Credit Card, Business Regalia First Credit Card, and Business Corporate Regalia Credit Card. The Bank has currently stopped new sourcing for these HDFC credit cards, but existing cardholders can continue using their applicable benefits.
HDFC Business Regalia Credit Card Overview
The table below compares the three HDFC Bank Business Regalia Credit Card variants.
| Card Variant | Best Suited For | Key Benefit | Card Type |
|---|---|---|---|
| Business Regalia Credit Card | Business owners and self-employed professionals | Premium rewards, travel, lounge, and business benefits | Business Credit Card |
| Business Regalia First Credit Card | Growing businesses and professionals | Reward points, travel privileges, and business expense management | Business Credit Card |
| Business Corporate Regalia Credit Card | Companies and corporate employees | Corporate expense management and premium business privileges | Corporate Credit Card |
Important Note: HDFC Bank has currently stopped accepting new applications and sourcing for the Business Regalia Credit Card, Business Regalia First Credit Card, and Business Corporate Regalia Credit Card. Existing cardholders, however, can continue to enjoy the premium travel, lounge access, reward points, and business expense management benefits offered by these cards.
Also Read: HDFC Biz Black Credit Card
Types of HDFC Business Regalia Credit Card
HDFC Bank offers three Business Regalia variants designed for different business and corporate needs.
1. Business Regalia Credit Card
The Business Regalia Credit Card is a premium business credit card for high-spending business owners and self-employed professionals. It offers strong reward earnings, travel privileges, airport lounge access, milestone rewards, and business payment flexibility.
| Feature | Details |
|---|---|
| Card Type | Premium Business Credit Card |
| Best Suited For | Established business owners and self-employed professionals |
| Reward Rate | 4 Reward Points for every ₹200 spent |
| Milestone Benefit | 10,000 bonus points on ₹5 lakh annual spends |
| Additional Milestone Benefit | 5,000 bonus points on ₹8 lakh annual spends |
| Domestic Lounge Access | 12 complimentary visits per year, subject to quarterly spend criteria |
| International Lounge Access | 6 visits per year via Priority Pass |
| Interest-Free Credit | Up to 50 days |
| Foreign Currency Markup | 3.5% |
| Joining/Renewal Fee | ₹2,500 + applicable taxes |
| Current Status | New sourcing stopped |
2. Business Regalia First Credit Card
The Business Regalia First Credit Card is designed for growing businesses, SMEs, and self-employed professionals who want business rewards, utility cashback, travel privileges, and a lower annual fee compared to the premium Regalia variant.
| Feature | Details |
|---|---|
| Card Type | Business Credit Card |
| Best Suited For | Growing businesses, professionals, and SMEs |
| Reward Rate | 4 Reward Points per ₹200 spent |
| Updated Reward Rate | 3 Reward Points per ₹150 on select retail spends from September 2024 |
| Business Essentials Benefit | 5% cashback on electricity, telecom, and taxes |
| Cashback Cap | Up to ₹500 in the first year |
| Interest-Free Credit | Up to 50 days |
| Foreign Currency Markup | 2% |
| Instant Loan Facility | Pre-approved instant loans available |
| Joining/Renewal Fee | ₹1,000 + applicable taxes |
| Renewal Fee Waiver | Spend ₹1 lakh annually |
| Current Status | New sourcing stopped |
3. Business Corporate Regalia Credit Card
The Business Corporate Regalia Credit Card is a premium corporate credit card designed for companies that need to manage employee spending, centralize corporate billing, and access premium business travel benefits. It offers corporate expense tools, lounge access, rewards, insurance coverage, and card controls.
| Feature | Details |
|---|---|
| Card Type | Corporate Credit Card |
| Best Suited For | Companies and corporate employee programs |
| Reward Rate | 4X Reward Points for every ₹150 spent |
| Corporate Portal | SmartBuy Corporate portal for rewards and redemption |
| Domestic Lounge Access | 8 domestic lounge visits annually |
| International Lounge Access | 6 international lounge visits annually |
| Membership Benefit | Complimentary Club Vistara Silver membership |
| Insurance Benefit | Corporate-level fraud insurance up to ₹25 lakh |
| Card Controls | MyCards-based PIN, spend controls, and transaction tracking |
| Billing Type | Corporate billing/account-based |
| Current Status | New sourcing stopped |
Also Read: HDFC CSC Small Business MoneyBack Credit Card
HDFC Business Regalia Credit Card Fee & Charges
Fees differ based on the chosen Business Regalia variant and usage pattern.
| Variant | Joining/Renewal Fee | Fee Waiver Condition | Key Charges |
|---|---|---|---|
| Business Regalia Credit Card | ₹2,500 + applicable taxes | Spend-based waiver as per HDFC Bank terms | 3.5% forex markup, revolving credit, late payment charges |
| Business Regalia First Credit Card | ₹1,000 + applicable taxes | Waived on annual spends of ₹1 lakh or more | 2% forex markup, SmartEMI fees, revolving credit |
| Business Corporate Regalia Credit Card | As per the corporate arrangement | Based on the company agreement | Corporate billing charges, cash advance charges, and late payment fees |
HDFC Bank Business Regalia Credit Card Features & Benefits
Business Regalia Credit Cards offer rewards, travel privileges, credit flexibility, corporate controls, and protection benefits.
Reward Points on Business Spends
| Variant | Reward Benefit |
|---|---|
| Business Regalia | 4 Reward Points for every ₹200 spent |
| Business Regalia First | 4 Reward Points per ₹200 spent; updated to 3 RP per ₹150 on select retail spends |
| Business Corporate Regalia | 4X Reward Points for every ₹150 spent |
Travel and Lounge Access
- Business Regalia offers 12 domestic lounge visits and 6 international visits annually via Priority Pass.
- Business Corporate Regalia offers 8 domestic and 6 international lounge visits annually.
- Business Regalia domestic lounge access may depend on spending ₹1 lakh in the previous calendar quarter.
Milestone Rewards
Business Regalia cardholders can earn:
- 10,000 bonus Reward Points on annual spends of ₹5 lakh.
- Additional 5,000 bonus Reward Points on annual spends of ₹8 lakh.
Business Expense Management
- Use the cards for vendor payments, GST payments, and other business spends.
- Get up to 50 days of interest-free credit.
- Corporate variant supports employee and company-level expense management.
Forex and International Usage
| Variant | Forex Markup |
|---|---|
| Business Regalia | 3.5% |
| Business Regalia First | 2% |
| Business Corporate Regalia | As per corporate arrangement |
Insurance and Protection Benefits
- Zero Lost Card Liability applies if fraudulent transactions are reported immediately.
- Business Corporate Regalia includes corporate-level employee fraud insurance up to ₹25 lakh.
- Corporate variant also includes high-value insurance benefits as per applicable terms.
Fuel Surcharge Waiver
Business Regalia First and Business Corporate Regalia provide a 1% fuel surcharge waiver within applicable transaction limits.
SmartEMI Options
Cardholders can convert eligible high-value business purchases into manageable EMIs.
Contactless Payments
The cards support contactless payments for secure and fast transactions. In India, payments up to ₹5,000 generally do not require PIN entry.
Also Read: HDFC Business MoneyBack Credit Card
Comparison of Business Regalia Credit Cards
Compare all three variants to choose the right Business Regalia card.
| Feature | Business Regalia | Business Regalia First | Business Corporate Regalia |
|---|---|---|---|
| Best For | Established business owners | Growing businesses and SMEs | Corporates and employee programs |
| Card Type | Business | Business | Corporate |
| Reward Benefits | 4 RP/₹200 spent | 4 RP/₹200; updated to 3 RP/₹150 on select spends | 4X RP/₹150 spent |
| Lounge Access | 12 domestic + 6 international visits | Variant-based access | 8 domestic + 6 international visits |
| Expense Management | Individual/business spends | Individual/business spends | Employee and company spends |
| Forex Markup | 3.5% | 2% | As per the corporate arrangement |
| Annual Fee | ₹2,500 + taxes | ₹1,000 + taxes | As per the corporate agreement |
| Billing | Individual/business account | Individual/business account | Corporate billing/account |
| Ideal User | Entrepreneurs seeking premium travel perks | Professionals with ITR above ₹7.2 lakh | Companies needing corporate controls and fraud insurance |
HDFC Credit Card Customer Care
Customers can contact HDFC Bank through phone banking, chat, MyCards, branch support, and relationship managers.
| Service Category | Customer Care Details |
|---|---|
| General Helpline Across India | 1800 1600 / 1800 2600 |
| International Helpline Customers Abroad | +91 22 61606160 |
| Dedicated Premium Support Infinia, Diners Black, Imperia | +91 22 61717606 |
| Service Helpline Queries & Assistance | 1800 258 5616 |
| Toll-Free Complaint Number India Only | 1800 258 3838 |
| Sales Enquiry | 1800 570 3888 |
| Credit Card Support Timings | 24 hours every day, including Sundays and Bank Holidays |
| General Banking Agent Support | 8:00 AM to 8:00 PM on all days |
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