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HDFC Bank Business Regalia First Credit Card
Visa
HDFC Bank Business Regalia First Credit Card
A lighter, lower-fee entry point into HDFC's Business Regalia family for small business owners who want cashback-style rewards on recurring business bills without the premium-tier joining fee. Fewer travel perks than the full Business Regalia card, but the fee is easier to justify for a smaller operation.
Annual fee
₹1,000
Joining fee
₹1,000
Reward type
points
Base reward rate
2%
Card network
Visa
Card tier
Mid
Who this card fits
Best suited to self-employed applicants with a credit score of roughly 720+ whose spend is concentrated in utilities, dining. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Rewards rate: 2% base rate
Benefits by category
- 🍽️ Dining & food delivery
5% reward rate (capped ₹500/monthly)
- 🧾 Utilities
5% reward rate (capped ₹500/monthly)
- 🌍 Forex / international spend
2% forex markup on international transactions
Eligibility
- Minimum credit score: 720
- Employment: self-employed
- Age: 21–65
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹1,50,000
- Foreign currency markup: 2%
- Interest rate: 3.6% p.a.
Benefits
- 5% cashback-equivalent reward points on business essentials such as electricity, telecom and tax payments.
- Pre-approved loan and cash withdrawal offers based on card usage.
Pros
- + Lower fee than Business Regalia
- + 5% back on recurring business bills
- + Up to 50 days interest-free credit
Cons
- − No lounge access
- − Business/self-employed applicants only