Business Regalia First Credit Card

What's in store for you?

Additional benefits

Know more about the card

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 Management and Control

Fees & Charges

  • Joining/Renewal Membership Fee – Rs. 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.

READ DETAILED FEES & CHARGES

Card Management and Control

Card Management and Control

  • Unredeemed Reward Points will expire/lapse after 2 years of accumulation. 
  • Smart EMI: Option to convert big spends into EMI after purchase available on HDFC Bank Business Regalia Credit Card. (Click here to know more)   
  • Contactless Payment: HDFC Bank Business Regalia Credit Card is enabled for Contactless Payments at retail outlets.
  • (Note: in India, payment through contactless mode is allowed for a maximum of ₹5000 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 ₹5000, the Card holder must enter the Credit Card PIN for security reasons. You may check for the Contactless Network Symbol on your card.) 
  • 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.
  • Revolving Credit: Available at a nominate interest rate. (Check Fees & Charges section for more details)
Card Management and Control

Redemption Limit

  • Reward Points as per the product features will be credited in the form of CashPoints, which can be redeemed by the customer against their statement balance (100 Reward Points = Rs. 20)
    Note: For redemption against statement balance, Cardholder must have minimum 2500 Reward Points
    Reward redemption fee of Rs. 99 per request will be applicable on all redemptions.
  • A maximum of 50,000 Reward Points can be earned in a statement cycle for Business Regalia Gold Credit Card. 
  • Reward Points Redemption against each category can be redeemed at

1 Reward Point Equivalent to

Cashback against statement

Rs. 0.20

SmartBuy (against Flights/Hotel booking)

Rs. 0.50

Product and vouchers through Product Catalogue with Netbanking

Up to Rs. 0.35

Airmiles conversion through Netbanking

Rs. 0.50 airmiles

Please Click Here to know more

  • 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 1,000 per month.
    Redemption of Travel Reward Points will be capped at 50,000 points per month.
Card Management and Control

Frequently Asked Questions

To apply for this card, follow the steps below:

  • Download the application form
  • Fill in your details and drop it off at your local HDFC Bank branch
  • We'll handle the rest and send the card to your mailing address.

The documents required to apply for the Business Regalia First credit card include:

  • Identity proof (Aadhar Card, PAN Card)
  • Address proof (latest utility bill, passport)
  • Income proof 

Yes, the Business Regalia First credit card provides airport lounge access for primary cardholders and add-on card members.

Business Regalia First credit card is an exclusive offering from HDFC Bank that provides business owners with many benefits, rewards, and privileges.

The credit limit of the Business Regalia First credit card is determined based on the applicant's profile and income.