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

What’s in store for you

Protect Life

Card Benefits and Features

Save up to ₹15,000 annually*

Just like 33 lakh+ Business Regalia First Credit Cardholders

Calculate now

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 Reward and Redemption

Card Benefits

  • Earn 4 Reward Points on every ₹200 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.

Card Reward and Redemption

Business Benefits

  • 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. 

Card Reward and Redemption

Lifestyle Benefits

  • 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.

Card Reward and Redemption

Usage Perks

  • 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.

Card Reward and Redemption

Rewards Programme

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 ₹ 200 spent

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

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

Banking and Digital Convenience

Travel Benefits

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.

Banking and Digital Convenience

Fees and Charges

  • 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

Card Reward and Redemption

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.

Card Reward and Redemption

Frequently Asked Questions

To be eligible for the Business Regalia First Credit Card, you must be self-employed, aged 21 to 65 years, and have an ITR of over ₹7,20,000 per year. Existing HDFC Bank customers can log in to NetBanking and visit the Cards section to check their eligibility. However, sourcing of this Credit Card has been stopped. Existing customers of this card will continue to enjoy the benefits.  If you're planning to get a new Credit Card, explore our diverse range of options. Click here.

You earn 4 Reward Points per ₹150 spent (3 RP from Sep 1, 2024), excluding wallet, EMI, and fuel transactions. You also get bonus Reward Points on annual spends—7,500 RP on ₹6L spends and 5,000 RP on ₹9L spends. Points can be redeemed for statement credit, travel bookings, gifts, and AirMiles.

This card offers up to 50 days of interest-free credit, 5% CashBack on business essentials (electricity, telecom, tax payments), hassle-free tax payments, and pre-approved loans & cash withdrawals. (CashBack is capped at ₹500 per statement, applicable in the first year only).

You get up to 20% savings on dining via Swiggy Dineout at over 20,000 restaurants. Additionally, you can redeem Reward Points for travel bookings via SmartBuy and an exclusive Regalia travel portal.

The renewal fee is waived if you spend more than ₹1 lakh annually. Other benefits include a 1% fuel surcharge waiver (₹400-₹5000 transactions, max ₹500 per cycle), zero lost card liability, and a low 2% forex markup on foreign transactions.