HDFC Business Regalia Credit Card Review

General Information

Rewards and Benefits

Fees and Charges

Summary

Get 4 Reward Points for every transaction of ₹150 made. Experience a credit period of up to 50 days without any interest charges. No financial responsibility in case of a lost card when promptly reported to the bank's 24-hour call center. Enjoy the convenience of 24/7 Concierge Services on your HDFC Bank Business Regalia Credit Card. Receive 12 complimentary airport lounge access passes annually, valid for both domestic and international terminals. Priority Pass available for both the primary cardholder and supplementary cardholders. Enjoy a 1% waiver on fuel surcharges.

The HDFC Business Regalia Credit Card is a travel, dining, and shopping credit card that offers great benefits and features.

With a joining fee of Rs. 2,500 + GST and a renewal fee of Rs. 2,500 + GST, this card is worth considering for those who frequently indulge in these activities.

This credit card offers reward points as its reward type, allowing you to earn points on your everyday purchases.

The welcome benefit for this card is not applicable.

However, it provides excellent offers such as saving up to 20% on dining bills with Swiggy Dineout and earning 4 reward points for every Rs. 150 spent on shopping, including insurance and utilities.

For travelers, the HDFC Business Regalia Credit Card provides lounge access along with a travel insurance cover, making your journeys more comfortable and secure.

You can enjoy 12 free domestic lounge access per year in India and 6 complimentary international lounge visits per calendar year via Priority Pass.

Unfortunately, this credit card does not offer golf benefits.

However, it does provide valuable insurance benefits, including coverage worth Rs. 1 Crore on accidental air death and coverage worth Rs. 15 lakhs for emergency hospitalization for overseas treatment.

One of the standout features of this credit card is the spend based waiver.

The renewal fee is waived off if you spend more than Rs. 3 lakh in the previous year, making it a cost-effective option for frequent users.

When it comes to rewards redemption, there is a fee of Rs. 99 (plus applicable taxes).

Additionally, there is a foreign currency markup of 2% on all foreign currency spends, which is important to consider if you often travel abroad.

The interest rate for this credit card is 3.6% per month (43.2% per annum), which is relatively standard in the industry.

You can also enjoy a 1% fuel surcharge waiver at all fuel stations in India on a minimum transaction of Rs. 400 and a maximum transaction of Rs. 5000.

For cash advances, there is a charge of 2.5% of the transaction amount or Rs. 500 (whichever is higher), so it's advisable to use this feature sparingly.

In summary, the HDFC Business Regalia Credit Card is a versatile choice for individuals who frequently travel, dine, and shop.

Its array of benefits, including lounge access, insurance coverage, and reward points, make it an attractive option for those seeking value and convenience.