Key Benefits
4 RPs/Rs.150, lounges, concierge, milestones
Lounge Access
8 domestic + 6 international per year
Eligibility
Self-employed, ITR > Rs. 12L, age 21-65
The HDFC Business Regalia Credit Card is a solid choice for self-employed professionals who want to earn reward points on business expenses while enjoying premium perks like lounge access and concierge services. The 4 RPs per Rs. 150 rate is decent, and the milestone bonuses add good value for high spenders. However, the recent reduction in insurance benefits and the new spending requirement for lounge access have diminished its overall value proposition compared to earlier versions.
Best For
Self-employed business professionals seeking lounge access, reward points on business expenses, and 24x7 concierge services with a manageable annual fee.
Not Ideal For
Salaried individuals (card is only for self-employed), frequent international spenders (3.5% forex markup is high), and those seeking cashback instead of reward points.
visits per year
2 visits per quarter. From April 2025, requires Rs. 1 lakh spend in previous quarter to be eligible.
visits per year
Via Priority Pass for primary and add-on members combined. Requires minimum 4 retail transactions to apply for Priority Pass. Excess visits charged at USD 27 + GST per visit.
All Spends
Fuel
Utility Bills
Dining
Shopping
International
Travel
Redeem your Regalia Reward Points for cashback, travel, and more
SmartBuy Flights
Redeem up to 70% of booking value via reward points
SmartBuy Hotels
Redeem up to 70% of booking value via reward points
Airmiles Conversion
Convert reward points to airmiles of major domestic and international airlines
Statement Credit
1:1 transfer ratio
Cash Against Statement
Max 50,000 points per month
SmartBuy
1:1 transfer ratio
InterMiles
10:2 transfer ratio
Instant
Finnair Plus
1:1 transfer ratio
Club
1:1 transfer ratio
Via HDFC SmartBuy portal
Miles&Smiles
2:1 transfer ratio
Asia Miles
2:1 transfer ratio
Royal Orchid Plus
2:1 transfer ratio
Aeroplan
10:2 transfer ratio
Avios
10:2 transfer ratio
MileagePlus
10:2 transfer ratio
LifeMiles
10:2 transfer ratio
Skywards
10:2 transfer ratio
Etihad Guest
10:2 transfer ratio
KrisFlyer
10:2 transfer ratio
1-3 Business Days
AirAsia Rewards
10:2 transfer ratio
SpiceClub
10:2 transfer ratio
Radisson Rewards
2:1 transfer ratio
Club ITC
10:2 transfer ratio
Bonvoy
10:2 transfer ratio
ALL
10:2 transfer ratio
Wyndham
10:2 transfer ratio
IHG One
10:2 transfer ratio
Apple
1:1 transfer ratio
Products & Vouchers via SmartBuy
Catalogue
1:1 transfer ratio
10,000 Bonus Reward Points on annual spends of Rs. 5,00,000 (worth Rs. 5,000 at Rs. 0.50/point)
Spend ₹5,00,000 within 365 days
value
Additional 5,000 Bonus Reward Points on annual spends of Rs. 8,00,000 (worth Rs. 2,500 at Rs. 0.50/point)
Spend ₹8,00,000 within 365 days
value
Annual fee of Rs. 2,500 + GST waived on spending Rs. 3 Lakh in the previous year
Spend ₹3,00,000 within 365 days
value
Concierge
100.00% off
24x7 Travel Concierge Services accessible on 1800 209 4006
Dining
20.00% off
Up to 20% off on dining bills via Swiggy Dineout at partner restaurants
See how this card performs in different spending categories compared to other cards.
The HDFC Business Regalia Credit Card is a premium business credit card from HDFC Bank designed specifically for self-employed professionals and business owners. It combines strong reward earnings with travel perks including airport lounge access and 24x7 concierge services.
With a joining and annual fee of Rs. 2,500 + GST (waivable on Rs. 3 Lakh annual spend), the card earns 4 Reward Points per Rs. 150 spent across most categories including insurance and utility payments. It offers 8 complimentary domestic and 6 international airport lounge visits per year, making it an excellent choice for business travellers.
The HDFC Business Regalia Credit Card is a Visa Signature card targeted at self-employed Indian nationals with annual ITR exceeding Rs. 12 Lakh. Unlike personal Regalia cards, this variant is specifically designed for business professionals to manage their business expenses while earning rewards.
Earn 4 Reward Points for every Rs. 150 spent on the card, including insurance and utility transactions. A maximum of 50,000 Reward Points can be earned per statement cycle. Reward points are valid for 2 years from the date of accrual.
EMI transactions are excluded from milestone spend calculations.
Enjoy 8 complimentary domestic lounge visits per calendar year (2 per quarter) at domestic and international terminals within India. From April 2025, a minimum spend of Rs. 1 Lakh in the previous quarter is required for eligibility.
Additionally, get 6 complimentary international lounge visits per calendar year via Priority Pass for primary and add-on cardholders combined.
Save up to 20% on dining bills at partner restaurants via Swiggy Dineout.
Get a 1% fuel surcharge waiver at all fuel stations in India on transactions between Rs. 400 and Rs. 5,000. Maximum cashback is Rs. 500 per statement cycle.
Access exclusive Travel Concierge Services round the clock for customizing your entertainment and travel experience.
Make quick, secure, and convenient contactless payments at retail outlets that accept contactless cards.
Enjoy zero liability for fraudulent transactions after reporting the loss of your card to HDFC Bank's 24-hour call center.
The card does not currently offer any specific welcome benefits. Previously, a complimentary Zomato Gold membership was available on spending Rs. 75,000 within the first 3 months.
Total milestone value on Rs. 8 Lakh spend: 15,000 Reward Points worth Rs. 7,500.
Note: EMI transactions do not count towards milestone spend calculations.
The renewal fee of Rs. 2,500 + GST is waived on spending Rs. 3 Lakh in the previous calendar year.
The HDFC Business Regalia Credit Card earns 4 Reward Points for every Rs. 150 spent on the card. This includes spending on insurance premiums and utility bill payments, which many cards exclude.
A maximum of 50,000 Reward Points can be earned per statement cycle. Reward points are valid for 2 years from the date of accrual.
The following transactions do not earn reward points:
| Redemption Method | Value per Point | Monthly Cap |
|---|---|---|
| Flight/Hotel Bookings via SmartBuy | Rs. 0.50 | 50,000 points |
| Airmiles Conversion | Rs. 0.50 | - |
| Products & Vouchers via SmartBuy | Rs. 0.35 | - |
| Cash Against Statement | Rs. 0.20 | 50,000 points |
You can redeem up to 70% of the booking value through reward points when booking flights or hotels via SmartBuy. Points can also be converted to airmiles of major domestic and international airlines.
| Fee Type | Amount |
|---|---|
| Joining Fee | Rs. 2,500 + GST |
| Annual Renewal Fee | Rs. 2,500 + GST (waived on Rs. 3L annual spend) |
| Add-on Card Fee | Nil |
| Interest Rate | 23.88% to 43.2% p.a. (3.49% to 3.75% per month) |
| Interest-Free Period | Up to 50 days |
| Minimum Amount Due | 5% of outstanding or Rs. 200, whichever is higher |
| Cash Advance Charges | 2.5% or Rs. 500, whichever is higher |
| Cash Advance Limit | 40% of credit limit |
| Foreign Currency Markup | 3.5% of transaction value |
| Over Limit Charges | 2.5% of over limit amount (min Rs. 500) |
| Reward Redemption Fee | Rs. 99 + GST per request |
| Card Replacement Fee | Rs. 100 |
| Cash Processing Fee | Rs. 100 |
| Outstation Cheque Processing | Up to Rs. 50 |
| Outstanding Amount | Late Fee |
|---|---|
| Up to Rs. 100 | Nil |
| Rs. 101 - Rs. 500 | Rs. 100 |
| Rs. 501 - Rs. 1,000 | Rs. 500 |
| Rs. 1,001 - Rs. 5,000 | Rs. 600 |
| Rs. 5,001 - Rs. 10,000 | Rs. 750 |
| Rs. 10,001 - Rs. 25,000 | Rs. 900 |
| Rs. 25,001 - Rs. 50,000 | Rs. 1,100 |
| Above Rs. 50,000 | Rs. 1,300 |
Customers can apply using ITR, GST returns, bank statements, or merchant payment reports.
The HDFC Business Regalia Credit Card is a well-rounded business credit card for self-employed professionals who value lounge access, reward points, and concierge services. With 4 Reward Points per Rs. 150 spent (including on insurance and utilities), 8 domestic and 6 international lounge visits, and milestone bonuses worth up to Rs. 7,500, it offers strong value for business spenders.
The Rs. 2,500 + GST annual fee is easily waived with Rs. 3 Lakh annual spend, making it effectively free for most business users. However, the 3.5% forex markup makes it less suitable for international transactions, and the recent changes to lounge access requirements (Rs. 1 Lakh quarterly spend needed from April 2025) and potential discontinuation of insurance benefits have reduced its overall appeal compared to earlier versions.
Best suited for self-employed business professionals with annual ITR exceeding Rs. 12 Lakh who want to earn rewards on their business expenses while enjoying airport lounge access.
Last updated: 1 February 2026
Get started with your application today and enjoy premium benefits, rewards, and exclusive privileges.
Apply Now on HDFC Bank Apply Now
