• Welcome benefit: Receive a complimentary flight ticket worth Rs. 3,000 as a welcome benefit when you get the HDFC Business Regalia Credit Card.

The HDFC Business Regalia Credit Card offers various rewarding benefits:

Core Rewards:

• Earn 4 reward points for every Rs. 150 spent, equivalent to a 2.7% rewards rate.
• Get up to 10X reward points when using SmartBuy.

Milestone Rewards:

• Spend 5 lakhs annually and receive 10,000 Bonus Reward Points.
• Spend 8 lakhs annually and earn an additional 5,000 Bonus Reward Points.

Movie & Dining:

• Enjoy savings of up to 20% on dining bills when paid through DineoutPAY.
• Redeem your Reward Points instantly for airline ticket bookings and hotel reservations.

Travel:

• Access complimentary domestic and international airport lounges with Travel insurance coverage.

Domestic Lounge Access:

• Receive 12 complimentary lounge accesses per calendar year within India.

International Lounge Access:

• Benefit from 12 complimentary lounge accesses per calendar year within India at international terminals.

Insurance Benefits:

• Avail insurance coverage worth Rs. 1 Crore for accidental air death.
• Get coverage worth Rs. 15 lakhs for emergency hospitalization during overseas treatment, among other benefits.

Zero Liability Protection:

• Enjoy Zero Liability Protection against fraudulent transactions, provided you report the loss immediately within the stipulated time to the 24-hour HDFC customer care.

HDFC Business Regalia Credit Card holders can earn Reward Points for their card transactions. Here are the details:

• Core Rewards: Cardholders earn 4 reward points for every Rs. 150 spent.
• 25% Bonus Reward Points: Up to 10X reward points can be earned via SmartBuy.
• Milestone Rewards: Cardholders receive 10,000 Bonus Reward Points on spending 5 lakhs and an additional 5,000 Bonus Reward Points on spending 8 lakhs.
• No rewards on spends: Reward points are not earned on fuel, wallet, rent, and education spends.

These Reward Points can be redeemed for various benefits, including travel bookings, gift vouchers, statement cash, and more, providing flexibility in how cardholders choose to use their accumulated points.

• 12 complimentary domestic and 6 international lounge accesses annually.
• Insurance benefits including air accident and lost card liability coverage.
• Renewal fee waiver on spending over Rs. 3 lakh/year.
• Milestone rewards for higher spending.
• Concierge services, dining discounts, and fuel surcharge waivers.
• PriorityPass membership for international lounge access.
• Various insurance coverages for travel emergencies and card liability.

• N/A

• Joining Fee: Rs. 2,500 + GST
• Welcome Membership: None (Complimentary Club Vistara Silver Tier and MMT Black Elite Membership)
• Welcome Benefit: 2,500 Bonus Reward Points or Rs. 2,500 Gift Voucher if the joining fee is paid
• Annual Fee: Rs. 2,500 + GST
• Annual Fee Waiver: On spending over Rs. 3 lakhs in a membership year
• Renewal Benefit: 2,500 Bonus Reward Points if the renewal fee is paid

Other charges:

• Forex Markup Charges: 2% on foreign currency spends
• Rewards Redemption Fee: Rs. 99 (plus applicable taxes)
• Interest Rate: 3.6% per month (43.2% per annum)
• Fuel Surcharge: 1% waiver on transactions between Rs. 400 and Rs. 5,000 at Indian fuel stations
• Cash Advance Charges: 2.5% of the transaction amount or Rs. 500 (whichever is higher)
• Add-on Card Fee: Nil
• The renewal fee is waived on spending more than Rs. 3 lakhs in the previous year.

• Q: How can I apply for the HDFC Business Regalia Credit Card?
  A: You can apply for the HDFC Business Regalia Credit Card online through the HDFC Bank website or by visiting an HDFC Bank branch.
• Q: What is the eligibility criteria for this card?
  A: Eligibility criteria typically include a minimum age, income requirement, and credit score. Check with HDFC Bank for the specific criteria.
• Q: Can I get my annual fee waived?
  A: Yes, the annual fee can be waived on annual spends of over Rs. 3 lakhs in the previous year.
• Q: What are the core rewards of the HDFC Business Regalia Credit Card?
  A: The core rewards include earning 4 reward points for every Rs. 150 spent and getting up to 10X reward points when using SmartBuy.