Business Regalia Credit Card – Complete Guide to Features & Benefits

An ambitious entrepreneur, Rajesh Mehta was searching for a financial tool to maximise savings and streamline his business expenses. The HDFC Bank Business Regalia Credit Card, which was created especially for professionals like him, was what he discovered at the time.

This card’s reward points system is among its most significant selling points. Users receive four reward points for every ₹150 spent. Milestone perks include 10,000 bonus points for ₹5lakh in expenditure and 5,000 bonus points for ₹8 lakh in retail purchasing.

Rajesh, who spent approximately ₹6 lakh annually on office essentials like rent, travel, and telecom bills, calculated his rewards:

Regular Rewards: (₹6,00,000 ÷ ₹150) * 4 = 16,000 points

Milestone Bonus: Since he crossed ₹5 lakh in spending, he received 10,000 bonus points.

Rajesh earned 26,000 reward points in a year, which he used to purchase airline tickets, and hotel accommodations, and lower the cost of his business travels, making his life easy and hassle-free.

Key Highlights of Business Regalia Credit Card

The HDFC Bank Business Regalia Credit Card has many advantages for business owners. Businesspeople (traders, merchants), professionals (doctors, chartered accountants, lawyers), and independent contractors (consultants, freelancers) can all utilise it. Here are some benefits of using this Credit Card for your business:

• You can enjoy an interest-free credit period of up to 50 days.
• Ensure that your tax payments are hassle-free. 
• Use the SmartHub Vyapar App to pay distributors and vendors (download and register on V2P). Enter vendor information and begin paying vendors with Swifti and your Business Regalia credit card.
• Get a cash withdrawal facility and rapid loans that have been preapproved.
• Convert large purchases for your company, such as electronics, furniture, and more, into easy installment plans.
• Make GST payments through SmartHub Vyapar and Swifti to receive 5% CashBack in the first year and 4 Reward Points for every ₹150 spent in the second.
• Manage all of your company's invoices and payments in one location.
• Link your Business Regalia Credit Card to your GST number to receive an input tax credit.
  
  

Features of Business Regalia Credit Card

The HDFC Bank Business Regalia Credit Card is among the most significant business credit cards available to you because of the following features: 

• For all your business expenses, you receive four reward points for every ₹150 spent. Every year, you can get 5000 extra reward points on ₹8 lakhs in retail expenditure and 10,000 bonus reward points on ₹5 lakhs.
  
  
• During the first year of use, the card offers a 5% cashback up to ₹500 on business essentials like energy, telecom, taxes, etc.
  
  
• Additionally, you can receive perks totalling ₹2600 by using SmartPay to automate your bill payments. Here's how to use SmartPay to pay your bills automatically.
  
  
• HDFC Business Credit Card customers can use SmartBuy and PayZapp to get fantastic offers for online shopping, business travel, and lodging.
  
  
• When you use SmartBuy to book a hotel, a trip, or shop online, you can receive five times as many reward points.
  
  
• With your business credit card, you can earn 12 free select domestic lounge visits annually. After completing at least four retail transactions, you can obtain 6 free international lounge visits with a priority pass for you and your add-on members.
  
  
• For convenience, receive special round-the-clock concierge services in English and other languages. Concierge services are available to organise events, golf reservations, tours, and vacation packages!
  
  
• Using the Swiggy app to pay with your credit card, you may save up to 20% on your restaurant bill payments with Swiggy-Dineout. More than 20,000 eateries are offering this deal.
  
  
• With minimum transactions of ₹400 and maximum transactions of ₹5000, the card gives a 1% fuel fee waiver at all gasoline stations throughout India. You may also take advantage of a waiver of up to ₹500 per statement cycle.
  
  
• The HDFC Bank Business Regalia Credit Card charges a 3.5% foreign exchange markup fee for overseas transactions.
  
  
• Revolving credit is available to you at a low interest rate.

Business Regalia Credit Card Cashback and Rewards

For business professionals, the HDFC Bank Business Regalia Credit Card has an extensive rewards program:

• Standard Rewards: Earn 4 Reward Points for every ₹150 spent on business expenses. 
  
  
• Milestone Benefits: Get 5,000 Reward Points after spending ₹8 lakhs within the same time frame and 10,000 bonus Reward Points when you surpass ₹5 lakhs in yearly retail expenditure. 
  
  
• GST Payments: Get 5% cashback on payments made through Swifti and SmartHub Vyapar during the first year. These transactions yield 4 Reward Points for every ₹150 spent, beginning in the second year.
  
  
• Business Essentials: Get 5% monthly cashback (up to ₹500 per statement) on necessary business expenses like telecom, utilities, and taxes, as long as monthly spending in these areas totals ₹15,000.
  
  
• Fuel Transactions: Take advantage of a 1% fuel fee relief at all Indian petrol stations for purchases between 400 and 5,000, up to a 50% waiver per statement cycle.

The business Regalia Credit Card is a valuable tool for controlling corporate spending while optimising benefits and savings because of these qualities.

Business Regalia Credit Card Fees and Other Charges

Business Regalia Credit Card Pros and Cons

For business professionals, the HDFC Bank Business Regalia Credit Card provides a number of perks and advantages.

Pros:

• Enhanced Security: The card is equipped with an EMV chip, providing advanced protection against counterfeiting and skimming, ensuring secure transactions. 
  
  
• Utility Bill Payments: By registering your credit card with SmartPay, HDFC Bank's utility bill payment service, you can ensure timely payments and earn assured cashback up to ₹1,800 in the first year, along with e-vouchers worth up to ₹800 for adding two or more bills. 
  
  
• Zero Lost Card Liability: In the unfortunate event of losing your card, reporting it immediately to HDFC Bank's 24-hour call centre ensures zero liability for fraudulent transactions. 

Cons:

• Reward Points Redemption Cap: For flight and hotel bookings, redemption is limited to a maximum of 70% of the booking value through Reward Points, with the remainder to be paid via the credit card.
  
  
• Exclusions in Reward Points Accrual: Rent payments and education transactions do not earn Rewards. Additionally, Reward Points earned on grocery transactions are capped at 2,000 per month.
  
  

Eligibility Criteria for Business Regalia Credit Card

An Indian citizen working for themselves and between the ages of 21 and 65 whose annual income tax return exceeds Rs 12 lakhs (customers can apply for credit cards using ITR, GST returns, bank statements, and merchant payment reports)

Required Documents to Apply for Business Regalia Credit Card

Here are the required documents to apply for Business Regalia Credit Card:

• A PAN card, proof of address, and identification are among the KYC documents needed to apply for an HDFC Business Regalia credit card.
• Income tax returns along with the computation sheet.
• One image of yours

How to Apply for a Business Regalia Credit Card

Here is a step-by-step guide to apply for a Business Regalia Credit Card:

Step 1: Visit the website or click here.

Step 2: In the top-right corner, you will see the "Apply Now" option.

Step 3: Click "Apply Now" to open a new page.

Step 4: You will be asked to identify yourself by entering your mobile number on this page. An OTP will be sent to your mobile phone. You may also need to provide your date of birth or PAN number.

Step 5: Click on "Get OTP" to proceed.

Step 6: In the next step, confirm your details and select the card you want. Then click Next.

Step 7: Finally, submit your application. Once submitted, you will receive a confirmation, and the process is complete.

Business Regalia Credit Card Customer Care

You can contact the bank's customer service via the following methods if you need help with your HDFC Bank Business Regalia Credit Card:

Phone Support:

• Within India: Call the toll-free numbers 1800 1600 or 1800 2600. 
• For Customers Travelling Abroad: Dial +91 22 61606160.

Email Support:

For credit card-related queries, write to customerservices.cards@hdfcbank.com.

Mailing Address:

Regular Post: Manager, HDFC Bank Cards Division, PO BOX # 8654, Thiruvanmiyur PO, Chennai - 600 041.

Courier: Manager, HDFC Bank Cards Division, #8, Lattice Bridge Road, Thiruvanmiyur, Chennai - 600 041. 

Branch Visit:

If you need help with your credit card, you may also stop by the HDFC Bank branch closest to you during business hours. Use the branch locator on the HDFC Bank website to find the nearest branch.

For assistance with a range of services, including card blocking, reporting fraudulent transactions, changing personal information, and more, HDFC Bank's Credit Card Customer Care is open around the clock, including on Sundays and bank holidays.

Conclusion

By providing several advantages and benefits, the HDFC Bank Business Regalia Credit Card is intended to assist and improve your company's operations. With this card, you can receive milestone incentives of up to 15,000 additional Reward Points per year, depending on your spending, and earn 4 Reward Points for every ₹150 spent on business costs.

To provide comfort when travelling, the card also offers 12 free domestic lounge visits and 6 free foreign lounge visits annually. In the first year, you can also take advantage of unique dining benefits, a 1% fuel surcharge waiver, and 5% CashBack on business necessary expenses including utilities, communications, and tax payments.

The renewal charge is waived if you spent more than ₹3 lakhs in the previous year. Because of these qualities, the Business Regalia Credit Card is a useful tool for controlling and maximising your company's expenses.

FAQs Related to Business Regalia Credit Card

Q. How do I earn reward points on my Regalia Credit Card?

By using your Regalia Credit Card to make purchases, you can accrue reward points. The reward points are only available for retail purchases. Reward points are not awarded for fuel or EasyEMI transactions. The accumulated reward points must be used for a variety of items from the rewards catalogue within two years of their expiration.

Q. Does this card have a priority pass?

Yes, after using your HDFC Bank Business Regalia Credit Card for at least four retail purchases, you can apply for a Priority Pass for both yourself and other members. You and your additional member can visit lounges outside of India for free up to six times a year with the Priority Pass.

Q. What are the Features of Business Regalia Credit Card

The HDFC Bank Business Regalia Credit Card has milestone incentives of up to 15,000 points per year and awards 4 reward points for every ₹150 spent. It offers a 1% fuel surcharge waiver, a 50-day interest-free credit period, and 5% cashback on utility bills up to ₹500 each month. 

Travel perks include a 2% forex markup for foreign transactions and 12 free domestic and 6 free international lounge access per year with Priority Pass. Along with automated bill payments and cashback benefits, the card also provides fast loans and EMI conversion. 

Security features include a hassle-free tax payment option, revolving credit with low interest rates, and zero liability on lost cards.

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