What are the joining and renewal fees for the HDFC Business Regalia Credit Card?

The HDFC Business Regalia Credit Card has a joining fee of ₹2,500 + GST and a renewal fee of ₹2,500 + GST.

How can I waive the renewal fee for my HDFC Business Regalia Credit Card?

The renewal fee for the HDFC Business Regalia Credit Card is waived if you spend more than ₹3 Lakhs in the previous anniversary year.

Does the HDFC Business Regalia Credit Card offer lounge access benefits?

Yes, the HDFC Business Regalia Credit Card offers 12 complimentary domestic lounge accesses per year (revising to 8 from April 2025 with spend criteria) and 6 complimentary international lounge accesses via Priority Pass.

What are the key travel benefits of the HDFC Business Regalia Credit Card?

The HDFC Business Regalia Credit Card provides extensive lounge access, comprehensive protection benefits (until April 2025), and flexible reward point redemption for flights and hotels.

Are there any specific benefits for business-related spends with this card?

The HDFC Business Regalia Credit Card is designed for business professionals, offering an interest-free credit period and flexible EMI options for business expenses. Note that some cashback benefits on essential business spends have been discontinued.

What is the foreign currency markup on the HDFC Business Regalia Credit Card?

The HDFC Business Regalia Credit Card has a foreign currency markup of 3.5% on all international spends.

What insurance benefits are provided with the HDFC Business Regalia Credit Card?

Until April 1st, 2025, the HDFC Business Regalia Credit Card offers air accidental death cover up to ₹1 Crore and emergency overseas hospitalization protection up to ₹15 Lakhs. These benefits will be discontinued thereafter.

How can I redeem reward points earned on my HDFC Business Regalia Credit Card?

You can redeem your HDFC Business Regalia Credit Card reward points on Smartbuy for flights and hotels (1 RP = ₹0.50), convert them to Airmiles, or for products/vouchers via Netbanking/SmartBuy.

What are the eligibility criteria for the HDFC Business Regalia Credit Card?

To be eligible for the HDFC Business Regalia Credit Card, you must be a self-employed Indian citizen aged 21-65 years with an annual ITR above ₹12 Lakhs.

HDFC Bank

HDFC Business Regalia Credit Card

Q: What are the main reward earning rates on the HDFC Business Regalia Credit Card?

With the HDFC Business Regalia Credit Card, you earn 4 Reward Points on every ₹150 spent on all retail transactions, including Insurance and Utilities.

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Last updated: 26 October 2025

Benefits & Features

Explore key benefits designed to maximize your lifestyle

Rewards Rate

Earn 4 Reward Points on every ₹150 spent on all retail spends, including Insurance and Utilities.

Reward Type

Reward Points

Reward Redemption

Redeem points on Smartbuy for flights/hotels (₹0.50/point) or convert to Airmiles (0.5/point).

Domestic Lounge Access

12 complimentary lounge accesses per calendar year; revised to 8 from April 2025 with ₹1 Lakh spend.

International Lounge Access

6 complimentary lounge accesses per calendar year via Priority Pass or directly with Diners/RuPay.

Insurance Coverage

Air Accidental death cover up to ₹1 Crore, Overseas Hospitalization up to ₹15 Lakhs (until April 2025).

Dining

Enjoy FLAT 10% EXTRA OFF on dining bills at 35,000+ restaurants with Swiggy Dineout.

Travel Benefits

Comprehensive benefits for travel including lounge access, insurance (until April 2025), and flight/hotel redemption.

What matters, explained clearly

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Frequently Asked Questions

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