Advantages of owning an HDFC Bank Business Regalia Credit Card

Owning a business credit card that not only caters to your financial needs but also offers a range of exclusive benefits can be a game-changer for any business owner. The HDFC Bank Business Regalia Credit Card is designed to provide entrepreneurs, professionals, and businesspersons with a comprehensive suite of features that streamline expenses, enhance savings, and add luxury to business travel.

In this article, we'll explore the numerous advantages of the HDFC Bank Business Regalia Credit Card and how it can serve as an essential tool for your business.

• Interest-Free Credit Period

One of the most significant advantages of the HDFC Bank Business Regalia Credit Card is the interest-free credit period of up to 50 days. This feature allows you to manage cash flow effectively without the immediate burden of interest on your business purchases.

• Hassle-Free Tax Payments

Tax payments can be a cumbersome process, but with the Business Regalia Credit Card, you can ensure that your tax obligations are met effortlessly. The card supports GST payments, offering cashback and reward points on these transactions, making it an efficient tool for handling taxes.

• Vendor and Distributor Payments

The card simplifies vendor and distributor payments through the SmartHub Vyapar App. By registering on V2P and adding vendor details, you can easily make payments using your Business Regalia credit card. This feature ensures that your supply chain remains smooth and uninterrupted.

• Pre-Approved Instant Loans and Cash Withdrawal Facility

The HDFC Bank Business Regalia Credit Card offers pre-approved instant loans, providing you with quick access to funds when needed. Additionally, the card includes a cash withdrawal facility, giving you the flexibility to manage unforeseen expenses.

• EMI Conversion on Bulk Purchases

For businesses making large purchases, such as office furniture or electronics, the card offers the convenience of converting these expenses into easy EMIs. This feature helps in managing significant expenditures without straining your budget.

• Reward Points and Cashback on Business Expenses

Every Rs 150 spent using the Business Regalia Credit Card earns you four reward points. You can also earn up to 10,000 bonus reward points on Rs 5 Lakhs retail spends and 5,000 additional reward points on Rs 8 Lakhs retail spends annually. In the first year, you can enjoy 5% cashback on essential business spends like utilities, telecom, and taxes.

• Complimentary Lounge Access

For business travelers, the card offers 12 complimentary domestic lounge visits and six international lounge visits annually. This perk provides a comfortable and luxurious experience during travel, helping you stay productive on the go.

• Concierge Services

The Business Regalia Credit Card includes 24X7 concierge services, assisting with everything from booking tours and holiday packages to event planning and golf bookings. These services are available in multiple languages, ensuring convenience wherever your business takes you.

• Dining Discounts

Enjoy up to 20% savings on your restaurant bills when you pay via the Swiggy App using your credit card. This offer is valid at over 20,000 restaurants across India, making business lunches and dinners more affordable.

• Fuel Surcharge Waiver

The card provides a 1% fuel surcharge waiver at all fuel stations across India on transactions ranging from Rs 400 to Rs 5,000. You can enjoy a waiver of up to Rs 500 per statement cycle, making your business travel more cost-effective.

• Low Foreign Currency Mark-Up Fee

For international transactions, the HDFC Bank Business Regalia Credit Card charges a low foreign currency mark-up fee of just 2%. This feature is particularly beneficial for businesses engaged in global trade or those with frequent international travel.

• Revolving Credit Facility

The card offers a revolving credit facility at nominal interest rates, allowing you to carry forward a portion of your credit card balance to the next billing cycle. This feature provides flexibility in managing your finances, especially during lean periods.

What more can you ask for? Apply for the HDFC Bank Business Regalia Credit Card today!

​​​​*Terms and conditions apply. The information provided in this article is generic in nature and for informational purposes only. It is not a substitute for specific advice in your own circumstances. Credit Card approvals are at the sole discretion of HDFC Bank Limited. Credit Card approvals is subject to documentation and verification as per Bank's requirement. Interest rates are subject to change. Please check with your RM or closest bank branch for current interest rates.