banner-logo

Click here to view the changes in HDFC Bank Business Regalia Credit Card effective 15th May 2026.

What's in store for you

ads-block-img

Card Benefits & Features

Know more about the card

Credit Card Management & Controls

    Netbanking

    To enable card controls for your HDFC Bank Credit Card through NetBanking, follow these steps:

    1. Log in to HDFC Bank NetBanking using your Customer ID.

    2. Go to the Cards Tab >Select the card > Click Manage card>Manage Domestic and International Limits.

    3. You will be able to view your existing daily domestic and international usage limits.

    4. Enable or disable Online, Contactless, and International usage based on your preference.

    5. Click ‘Update’, enter the OTP received on your registered mobile number, and then click ‘Continue’.

    6. Your selected card controls will be updated instantly.

    Mobile Banking

    To enable card controls for your HDFC Bank Credit Card conveniently through our HDFC Bank MobileBanking App, follow these steps:

    1. Open the HDFC Bank MobileBanking App and log in using your credentials.

    2. Go to the ‘Cards’ section from the menu.

    3. Select the HDFC Bank Credit Card for which you want to enable card controls.

    4. Click ‘Manage Limits’, then enable/disable transaction types such as Online Transactions, Contactless Payments, and International Usage, or set transaction limits according to your preference.

    5. Click ‘Update’ to confirm your changes and enter your MPIN. The updated card control settings will be applied instantly.

    For more detailed management, you can also use our MyCards platform at https://mycards.hdfc.bank.in/ which offers a seamless experience without the need for passwords or downloads.

    MyCards

    To enable card controls for your HDFC Bank Credit Card via MyCards, follow these steps:

    1. Visit the MyCards portal- https://mycards.hdfc.bank.in/ on your desktop or mobile.

    2. Log in using your registered mobile number and the OTP received.

    3. For first-time users, enter the last four digits of your card.

    4. On the card homepage, click the ‘Card Control’ tab.

    5. Enable/disable features such as Online Transactions, Contactless Transactions, International Usage, and set usage limits as per your preference.

    6. Confirm your settings, and the changes will be applied instantly.

    PayZapp

    You can conveniently enable card controls for your HDFC Bank Credit Card through PayZapp by following these steps:

    1. Open the PayZapp app and log in using your credentials.

    2. On the homepage, tap the ‘MyCards’ tab> Select ‘Go to MyCards’.

    3. Log in using your registered mobile number and the OTP sent to your mobile.

    4. If you are a first-time user, enter the last four digits of your HDFC Bank Credit Card.

    5. On the card homepage, tap the ‘Card Control’ tab.

    6. Enable or disable features such as Online Transactions, Contactless Transactions, and International Usage, or set usage limits according to your preference.

    7. Confirm your settings. The updated card control settings will be applied instantly.

    WhatsApp Banking

    To enable card controls for your HDFC Bank Credit Card using WhatsApp Banking, follow the steps given below:

    1. Add HDFC Bank’s official WhatsApp number – 7070022222– to your contacts.

    2. Send the text "Credit Card" to this number.

    3. You will receive a reply with options. Choose the option “Manage My Card”

    4. You will receive a reply with options to select “Domestic / International/ Enhance limits”

    5. Choose the option you want to enable, such as Domestic Online Transactions, Contactless Transactions, or International Transactions.

    6. Enter the transaction limit you want to set. An OTP will be sent to your registered mobile number. Enter the OTP to confirm the change.

    7. Enter the last 4 digits of your Credit Card number.

    8. The current status of the selected transaction type will be shown as Enabled.

    IVR

    To enable or modify your HDFC Bank Credit Card controls and transaction limits, you can contact HDFC Bank's toll-free numbers:

  • Toll-free numbers: 1800 1600 or 1800 2600 (available from 8 am to 8 pm)
  • For overseas travel assistance: 022-61606160

    • By contacting our toll-free numbers, you can enable/modify limits for Domestic, International, Online, Contactless, ATM, and POS transactions on your Debit or Credit Card.

Card Management & Control

Fees & Charges

  • Joining/Renewal Membership Fee – ₹2,500/- plus Applicable Taxes

Click here to view the fees and charges applicable on your Business Regalia Credit Card.

Check Now

Fees & Charges

Reward Points Accrual

  • Earn 4 Reward Points on every ₹200 spent on all retail* spends including Insurance, Utilities.

  • Earn 10,000 Reward Points on annual spends of ₹5 lakh.

  • Earn additional 5,000 Reward Points on annual spends of ₹8 lakh.​​​​​​​

  • The maximum 50,000 Reward Points can be earned in a statement cycle for your Business Regalia Credit Card.

  • Maximum of 500 reward points can be earned in a calendar month on UPI spends through RuPay Credit Card.

With effect from 1st January 2023:

  1. 1. Rent payment and Education related transactions will not earn reward points.

  1. 2. Reward points earned on Grocery transactions will be capped to 2,000 per month.

  1. 3. Redemption of Travel Reward Points will be capped at 50,000 points per month.

Reward Points Accrual

​​​​Reward Point Redemption

  • You can redeem your Reward Points on SmartBuy or Netbanking.

  • Reward Points can be redeemed for: 
     
    > Flights and hotel bookings via SmartBuy at a value of 1 RP = 0.5 
    > Airmiles conversion through NetBanking at a value of 1RP = 0.5 airmile 
    > Products and Vouchers via NetBanking or SmartBuy at a value of 1 RP = upto ₹ 0.35 
    > Redeem as CashBack against statement at a value of 1 RP = ₹0.15

Please  Click Here to know more

​​​​Reward Point Redemption

Lounge Access

  • Get 2 Complimentary Domestic Lounge Access per quarter (Jan-Mar | Apr-Jun | Jul-Sep | Oct-Dec) after spending ₹1 Lakh in the previous quarter.
  • Eligible cardholders enjoy 2 complimentary domestic lounge visits from the 5th of each calendar quarter as per revision below.
    Click here for details.
  • From 5th Jan'2026, the spends based complimentary domestic lounge shall be available through lounge voucher sent to the eligible customers. Swiping your card at the lounge will no longer be accepted for spends based complimentary domestic lounge visit
    Click here for details.
  • Click Here to check the list of eligible domestic lounges
Lounge Access

Priority Pass

  • Apply for Priority Pass for self and add on members once you complete minimum 4 retail transactions on your HDFC Bank Business Regalia Credit Card.  
    Click here to apply 

  • Using Priority Pass, you and your add on member can together avail up to 6 Complimentary Lounge Access per calendar year, outside India. 

  • If you exceed the 6 Complimentary visits, you will be charged at US $27 + GST per visit 

  • For Diners Club Card, Priority Pass is not required to access complementary 6 international lounge access. Cardholders can access international lounge using Diners Club Card. 

  • Click here to check the list of international lounges for Rupay.  

Please note: Priority Pass in India will attract charges on your Credit Card. Click here to know more   
You can visit www.prioritypass.com for list of lounge details. 

  • To know about your lounge access history, write a mail to pp@prioritypass.com.hk. Please provide name, complete 18-digit Priority Pass number and state that PP Membership is via HDFC Bank program. If there is more than 1 Priority Pass number (belonging to add on PP holders), then provide all the PP Numbers. 

  • Any dispute on Priority Pass needs to be raised withing 6 months of visit. 

Priority Pass

Dining Benefits

  • Indulge in mouth-watering discounts! Pay with your HDFC Bank Business Regalia card and enjoy FLAT 10% EXTRA OFF* on dining bills at 35K+ restaurants! Click here to Know more.
Smart EMI

Smart EMI

  • Option to convert big spends into EMI after purchase available on HDFC Bank Business Regalia Credit Card. (Click here to know more)
Smart EMI

Contactless Payment

  • HDFC Bank Business Regalia Credit Card is enabled for Contactless Payments at retail outlets.

To see if your Card is contactless, look for the contactless network symbol on your Card.

(Note: In India, payment through contactless mode is allowed for a maximum of ₹5,000 for a single transaction where you are not asked to input your Credit Card PIN. However, if the amount is higher than or equal to ₹5,000, the Card holder must enter the Credit Card PIN for security reasons. You may check for the Contactless Network Symbol on your card.) 

Contactless Payment

Zero Cost Card Liability

  • Available on any fraudulent transactions made on your Credit Card if reported immediately to HDFC Bank’s 24-hour Call Centre. 
Zero Cost Card Liability

Revolving Credit

  • Available at a nominate interest rate. (Check Fees & Charges section for more details) 
Revolving Credit

Card Control via MyCards

MyCards, a mobile-based service platform for all credit card needs, facilitates convenient activation and management of your HDFC Bank Business Regalia Credit Card on the go. It ensures a seamless experience without the need for passwords or downloads.

  • Credit Card Registration & Activation
  • Set up Card PIN
  • Manage Card Controls like Online Spends, Contactless Transactions, etc.
  • View Transactions / Download e-Statements
  • Check Reward Points
  • Block/ Re-Issue Card
  • Apply for an Add-on Card, manage, set PIN and card controls for Add-on card
Card Control via MyCards

Most Important Terms and Conditions 

  • *The Most Important Terms and Conditions for each of our banking offerings features all the specific terms and conditions that govern their use. You must go through it thoroughly to fully understand the terms and conditions applicable to any banking product you choose. 
Most Important Terms and Conditions 

Frequently Asked Questions

Yes, the Business Regalia Credit Card offers complimentary airport lounge access within India and internationally. It includes 12 complimentary visits within India and 6 outside India. This benefit is provided through the Priority Pass membership associated with the card.

The minimum payment due on the Business Regalia Credit Card is calculated based on the total outstanding amount. It is advisable to check your monthly statement for the specific minimum payment amount.

The annual fee for the Business Regalia Credit Card in India is ₹2500 plus applicable taxes. For a detailed breakdown of fees and charges, please visit the fees and charges section.

The credit limit on the Business Regalia Credit Card is determined based on various factors, including your income, credit history, and other financial considerations. To know your specific credit limit, please refer to your credit card statement or contact HDFC Bank customer service.

We are currently not accepting new applications for the HDFC Bank Business Regalia Credit Card. However, you can explore a range of other credit cards that may suit your needs. Click here to view our available options and find the right card for you.