HDFC Bank Business Regalia Credit Card
The ultimate business credit card for rewards and travel privileges
Annual Fee
₹2,500
Base Rewards
0.5%
Forex Fee
3.5%
Expert Verdict
The HDFC Business Regalia remains a solid premium choice for self-employed individuals, offering a balanced mix of travel perks and business-specific cashback. While the lounge access criteria have become stricter, the low forex markup and milestone rewards maintain its value proposition.
Quick Match
Is this card right for you?
This card could work well for you
Your Estimated Value
Year 1
+₹1,950
Includes ₹1,250 bonus
Year 2+
+₹700
Fee waiver eligible!
Why get this card
High reward rate of 4 points per ₹150 on all retail spends
Low foreign currency markup of 2% ideal for international business travel
Comprehensive insurance coverage including ₹1 Crore Air Accident cover
5% cashback on essential business spends like taxes and utilities
Watch out for
High ITR requirement of ₹12 Lakhs for eligibility
Domestic lounge access is now contingent on quarterly spending of ₹1 Lakh
Reward points expire after 2 years of accumulation
Who is this card for?
Best for
business owner
Business owners who have significant spends on utilities, taxes, and travel.
Min: ₹50,000/mo
international traveler
Professionals who frequently travel abroad and benefit from the low 2% forex markup.
Min: ₹75,000/mo
Skip if you're
low spender
Users who cannot meet the ₹3 Lakh annual spend for fee waiver or the ₹1 Lakh quarterly spend for lounge access.
Base Earning
4 Reward Points
per ₹150 spent
0.5%
effective rate
Point value: ₹0.20/point
Bonus Categories
SmartBuy - TRAVEL
5×
2.67% return
5000 pts/month
UTILITIES
1×
0.8% return
500 pts/month
Welcome Offer
Welcome points equivalent to the joining fee are credited upon fee payment. Some offers include a ₹3,000 voucher on ₹1 Lakh spend in the first 90 days.
2,500
points
₹1,250
value
within 30 days
Milestones
Spend ₹5.0L
Earn 10,000 bonus reward points on reaching ₹5 Lakhs annual spend.
Spend ₹8.0L
Earn an additional 5,000 bonus reward points on reaching ₹8 Lakhs annual spend.
No rewards on:
Fuel, rent payments, utility bills, government payments, wallet loads, insurance premiums, EMI transactions
Upgrade Path
Move up or down within this bank