HDFC Business Regalia Credit Card

Name: HDFC Bank HDFC Business Regalia Credit Card
Brand: HDFC Bank
Price: 2950 INR
Rating: 3.13 (1 reviews)

Ranked #80 of 170 in credit

creditVisa

HDFC's business-oriented Regalia variant offering 5% cashback on essential business expenses (utilities, tax payments) plus travel lounge access, though insurance coverage was removed in 2025 and lounge benefits have tightened since.

Score breakdown

Data completeness: 100% · Last verified: 09 Jul 2026

Reward value15/100 · weight 71%

≈ 0.67% effective on the standard basket (eligible spend only)

Wide-coverage rewards: +10.0% score bonus — earns broadly without narrow category restrictions.

Fee efficiency79/100 · weight 12%

Redemption flexibility75/100 · weight 9%

Perks58/100 · weight 9%

Fees

All fees shown base + 18% GST (India card fees legally attract GST).

Joining fee: ₹2,500 + 18% GST
= ₹2,950 total
Annual fee: ₹2,500 + 18% GST
= ₹2,950 / year total
Forex markup: 2%

Lounge access

Domestic (per year): 8
International (per year): 6

Reward structure

Category	Type	Rate	Cap	Notes
all_spends	points	0.67%(1.33 pts @ ₹0.50)	—	4 RP/Rs150 base business spend rate
online_spends	points	0.56%(1.13 pts @ ₹0.50)	—	—
dining	points	0.56%(1.13 pts @ ₹0.50)	—	—
travel	points	0.56%(1.13 pts @ ₹0.50)	—	—
groceries	points	0.56%(1.13 pts @ ₹0.50)	—	—
fuel	points	0.50%(1 pts @ ₹0.50)	—	—

Welcome offer

Not distinctly specified beyond standard reward accrual

Milestone benefits

Pros

5% cashback on essential recurring business expenses (utilities, tax, telecom) — genuinely useful for business owners
low 2% forex markup
decent milestone bonuses (up to 15,000 points/year)
up to 50 days interest-free credit on vendor/GST payments

Cons

Insurance benefits fully discontinued since April 2025
lounge visits cut from 12 to 8/year
lounge access now spend-gated and voucher-based (no more card swipe) since Jan 2026
standard forex conflicting reports (2% vs 3.5% across different HDFC pages - verify)

What's inside

More benefits

Domestic + international lounge access
Complimentary lounge access for business travel
quarterly. Spend-conditional, verify at MITC

Insurance cover

text: ₹NaN

Eligibility

text: Business/self-employed applicants primarily; standard HDFC business card documentation

Small print

Redemption fee: ₹99 / redemption