Business Regalia First Credit Card

• Earn 4 Reward Points on every ₹150 spent. 

• Effective September 1st, 2024, Earn 3 Reward Points on every ₹150 spent on all retail spends excluding wallet, EMI and petrol.

• Bonus 7,500 Reward Points on ₹ 6 lakh spends and additional 5,000 Reward Points on ₹ 9 lakh spends in an anniversary year.

• Redeem your reward points against statement.

• Up to 50 days interest free credit period 

• 5% monthly CashBack on Business Essential Spends like (electricity bills, telephone & internet bills, Government & Tax Payments) 

• Hassel free Tax payment via Credit Card. Benefits & Steps (Maximum CashBack of ₹500 per statement on minimum monthly spends of ₹15,000. Applicable only in 1st year of fresh card issuance) 

• Get Pre-approved instant loans and Cash withdrawal facility on your Business Credit Card 

Annual Spends benefit

• Earn 5,000 Reward Points when you achieve spends of ₹ 6,00,000 in each anniversary year* 

• Additional 2,500 Reward Points when you achieve Rs 9,00,000 in the same anniversary year. 

• Important Terms and Conditions of Annual spends benefit program

• Fuel surcharge waiver: 1% fuel surcharge waiver at all fuel stations across India  
  (on minimum transaction of ₹400 and maximum transaction of ₹5000. Max CashBack of ₹500 per statement cycle). Click here for more details.

• Exclusive dining privileges: Enjoy amazing dining benefits with Good Food Trail program

• Get up to 20 % savings off on all your restaurant bill payments via Swiggy Dineout (20,000+ restaurants),

• Offer inclusive of Restaurant and Swiggy Discount. Offer valid only on payments done Swiggy App.

• Click here for more details

• Refer T&C

• Utility Bill Payments: Register your Credit Card with SmartPay, HDFC Bank's Utility Bill payment service. You can then ensure that all your utility bills are paid on time, conveniently and easily. Get assured CashBack up to ₹ 1800 in the first year and exciting e-vouchers worth up to ₹800 for adding 2 or more bills on Smart Pay. For more details click here

• Zero Lost card liability: In the unfortunate event if you lose your HDFC Bank Business Regalia credit card, report it immediately to our 24-hour call centre. After reporting the loss, you have zero liability on any fraudulent transactions made on your card. 

• Revolving Credit: Enjoy Revolving Credit on your Credit Card at nominal interest rate, refer Fees and Charges section. 

• Foreign Currency Markup: Lowest foreign currency mark up of 2% on all your foreign currency spends. 

• Renewal offer: Renewal fee waived off if you spend more than 1 lakh in the previous year.

Splurge to your heart’s content with the best-in-class rewards programme on your Business Regalia First Credit Card. Terms and conditions

• 4 Reward points for every ₹ 150 spent

The maximum 25,000 Reward Points can be earned in a statement cycle for your Business Regalia First Credit Card.

Accumulate and redeem Reward Points for: 

• Travel and entertainment bookings on Smartbuy

• For flight and hotel bookings, Business Regalia Credit Card members can redeem up to maximum of 70% of booking value through Reward Points. Rest will have to be paid via Credit Card. This is effective 25.11.2019.

• Exciting gifts from an exclusive rewards catalogue

• Alternately, you can convert Reward Points into AirMiles of leading domestic and international airlines. 

With effect from 1st January 2023:

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

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

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

Unleash the power of your Reward Points like never before on www.hdfcbankregalia.com , an exclusive portal for Business Regalia First credit cardholders. 
You can choose to redeem your Reward Points instantly against:

• Airline ticket booking

• Hotel booking

Airport lounge access & comprehensive protection

• Airport Lounge Access & Comprehensive Protection Benefit offers discontinued*.   
  Know more.

• Joining/Renewal Membership Fee: ₹ 1,000/- plus Applicable Taxes

• Spend ₹1,00,000 or more in a year, before your Credit Card renewal date and get your renewal fee waived off.

• Please Click here to view details of Business Regalia First Credit Card Fees and Charges applicable.

• Important information: Your Card Member Agreement, Most Important Terms & Conditions and Other Important documents pertaining to your credit card can be accessed digitally. Click here

*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.