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HDFC Bank Business Regalia Credit Card
Visa
HDFC Bank Business Regalia Credit Card
A travel-oriented business card for self-employed professionals and small business owners who want reward acceleration on recurring business essentials — utility bills, tax payments, dining and travel — alongside lounge access. It mirrors the personal Regalia line's positioning but is underwritten against business income and spend.
Annual fee
₹2,500
Joining fee
₹2,500
Reward type
points
Base reward rate
2.67%
Card network
Visa
Card tier
Premium
Who this card fits
Best suited to self-employed applicants with a credit score of roughly 750+ whose spend is concentrated in travel, dining. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Rewards rate: 2.67% base rate
- Domestic lounge access: Complimentary domestic lounge access via Priority Pass, up to 12 visits/year.
- International lounge access: Complimentary international lounge access via Priority Pass, up to 6 visits/year.
Benefits by category
- 🍽️ Dining & food delivery
5% reward rate (capped ₹500/monthly) · 5% cashback-equivalent reward points on business essentials like utilities, telecom, tax payments, dining and travel, capped monthly.
- ✈️ Travel
5% reward rate (capped ₹500/monthly) · Priority Pass membership with domestic and international lounge visits.
- 🧾 Utilities
5% reward rate (capped ₹500/monthly)
- 🌍 Forex / international spend
2% forex markup on international transactions
Eligibility
- Minimum credit score: 750
- Employment: self-employed
- Age: 21–65
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹3,00,000
- Foreign currency markup: 2%
- Interest rate: 3.6% p.a.
Benefits
- Priority Pass membership with domestic and international lounge visits.
- 5% cashback-equivalent reward points on business essentials like utilities, telecom, tax payments, dining and travel, capped monthly.
Pros
- + Strong rewards on business essentials (utilities, tax, telecom)
- + Priority Pass lounge access, domestic and international
- + Decent base earn rate on all spends
Cons
- − High joining/annual fee
- − Only available to self-employed/business applicants