HDFC Business Regalia Review 2026: Fees, Rewards & Lounge Access

Detailed review of HDFC Bank Business Regalia Credit Card. Learn about the 2% forex markup, 12 domestic lounge visits, and how to earn 4 RP per ₹150 spent.

Vyaya Team · Mar 2026

5 min read

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Value Score

8.2 / 10

Annual Fee

₹2,500

Best For

business-owner, frequent-traveler

Network

Visa

Expert Verdict

The HDFC Business Regalia remains a solid mid-to-high tier business card, particularly for those who travel and have significant international spends due to its 2% forex markup. However, with the introduction of the BizPower and BizBlack variants, its relative value has slightly diminished for tax-heavy spenders.

HDFC Bank Business Regalia credit card by HDFC Bank - Visa network

REWARD SUMMARY

0.534% Base Rewards
The ultimate business tool for the modern entrepreneur.

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The Bottom Line

The HDFC Bank Business Regalia is the HDFC Business Regalia remains a solid mid-to-high tier business card, particularly for those who travel and have significant international spends due to its 2% forex markup. However, with the introduction of the BizPower and BizBlack variants, its relative value has slightly diminished for tax-heavy spenders. With a ₹2,500 annual fee that is waived on ₹3,00,000 yearly spend, it offers 2,500 bonus points and lounge access. For anyone researching hdfc bank business regalia credit card, the verdict is simple: recommended.

It earns a base reward rate of 0.534% and stacks best when your spending lines up with business-owner, frequent-traveler. The renewal fee gets easier to justify once you can hit ₹3,00,000 in yearly spend.

What we like

+Earn 4 Reward Points for every ₹150 spent on all retail transactions.

+Low foreign currency markup fee of 2% for international business expenses.

+Up to 15,000 bonus reward points annually on reaching spend milestones of ₹5L and ₹8L.

+5% cashback on business essentials like utility bills, taxes, and telecom in the first year.

What we don't

–Domestic lounge access is now spend-linked (₹1 Lakh per quarter).

–Insurance benefits like Air Accidental Death cover have been significantly revised or retired.

–Reward point value is low (₹0.20) if redeemed for statement credit.

Who Should Get This Card

Use this as a quick filter before comparing rewards or fees in detail.

Best fit for

Ideal

business-owner

High reward rate on business expenses and low forex markup for international trade.

Best value above ₹50,000/month

frequent-traveler

Complimentary domestic and international lounge access via Priority Pass.

Best value above ₹75,000/month

Probably not for

Skip

–

low-spender

The ₹2,500 annual fee is only waived on spends above ₹3 Lakhs.

Is It Worth It For You?

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Reward Rates

HDFC Bank Business Regalia offers 0.534% basic reward rate.

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Where

Amount

₹

Flat 0.534% on all spends

Welcome Offer

2500 Bonus Points

On payment of joining fee

Milestone Benefits

Spend ₹500,000

Bonus Points

Spend ₹800,000

Bonus Points

Fees & Charges

Joining fee₹2,500

Annual fee₹2,500

Fee waiverSpend > ₹3,00,000

Eligibility

Min Credit Score: 750
Exclusively for self-employed businessmen and professionals aged 21 to 65 years with a minimum ITR of 12 Lakhs per annum.

Exclusions & Terms

Fuel

Wallet loads

EMI transactions

Cash advances

Frequently Asked Questions

2 data-backed answers from our card database

What is the reward point value for HDFC Business Regalia?+

1 Reward Point is worth ₹0.50 when redeemed for flight and hotel bookings via SmartBuy, and ₹0.20 when redeemed for statement credit.

How can I get the annual fee waived?+

The annual fee of ₹2,500 is waived if you spend more than ₹3,00,000 in the previous anniversary year.

Ready to apply?

₹2,500 fee. Excellent rewards. Apply now securely.

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