HDFC Bank Business Regalia Credit Card
HDFC Bank · Closed to new applicants
HDFC's business version of Regalia: 4 reward points per ₹200 on retail spends (it was per ₹150 until 15 May 2026), up to 15,000 bonus points on ₹5 to ₹8 lakh of annual spend and 2 domestic lounge visits a quarter on ₹1 lakh of spend, for ₹2,500 a year waived at ₹3 lakh. Closed to new applicants.
- Annual fee
- ₹2,500 + GST a year
- Joining fee
- ₹2,500 + GST
- Fee waiver
- Annual fee waived on ₹3,00,000 spend per card year
- Base rate
- 4 points per ₹200 on retail spends (insurance and utilities included): 4 Reward Points per ₹200 (about 0.3% at cash value)
- Lounges
- Domestic: 2 visits a calendar quarter after ₹1,00,000 spend; International: 6 visits a calendar year
- Forex markup
- 3.5%
- Data
- From bank documents, checked 24 Oct 2026
Main earn rates
- SmartBuy at IGP, Jockey and PharmEasy, 10% CashBack: 10% in SmartBuy CashBack on top of the base rate (about 10% at cash value)
- SmartBuy flights and hotels, 5% CashBack on top of the base: 5% in SmartBuy CashBack on top of the base rate (about 5% at cash value)
- SmartBuy at Myntra, Nykaa, redBus, Zoomcar, Apple (Imagine Tresor) and MakeMyTrip holiday packages, 5% CashBack: 5% in SmartBuy CashBack on top of the base rate (about 5% at cash value)
- SmartBuy instant brand vouchers, 5% CashBack: 5% in SmartBuy CashBack on top of the base rate (about 5% at cash value)
- SmartBuy ConfirmTkt train tickets, 1% CashBack: 1% in SmartBuy CashBack on top of the base rate (about 1% at cash value)
Earns nothing on
- No points on fuel, wallet loads or EasyEMI
- No points on rent or education payments (from 1 January 2023)
- No points on online skill-based gaming (from 1 July 2025)
Where the sources disagree
- cashback value per point: MITC v4.15 and the product page say 15 paise a point for Business Regalia; HDFC's rewards redemption form says "Upto Re. 0.20". The MITC and page are used.
- lounge benefits: The product FAQ says 12 domestic visits a year via Priority Pass; the benefits section and HDFC's April 2025 and January 2026 notices say 2 a quarter on ₹1 lakh of spend by voucher. The notices are used.
Terms the calculator does not value
- The card is closed to new applicants; the calculator values it as if issued today. HDFC gives no closing date.
- The page says "Maximum of 500 reward points can be earned in a calendar month on UPI spends through RuPay Credit Card"; no network is stated for the card, so the UPI cap is not modelled.
- The page's FAQ still says 12 complimentary domestic lounge visits a year and 6 abroad; the April 2025 letter replaced the domestic part with 2 a quarter on ₹1 lakh of spend. Insurance covers (air accident ₹1 crore, overseas hospitalisation ₹15 lakh, flight delay and missed connection ₹25,000 each) ended on 1 April 2025.
- SmartBuy column: the chart names "Regalia, Diners Privilege, BizPower" (snapshot 351, line 10), not Business Regalia, so the card is entered in the "Other credit card (CashBack)" column (5% or 10% CashBack, ₹1,000 a month), as are Doctor's Regalia and Regalia Activ. If HDFC treats Business Regalia as "Regalia", it would earn 5X/10X points capped at 4,000 a month (lines 156-158) instead.
Sources
- Business Regalia Credit Card product page (Product page, the bank's own, read 20 Oct 2026)
- Business Regalia Credit Card fees and charges (Schedule of charges, the bank's own, read 20 Oct 2026)
- HDFC Bank credit cards Most Important Terms and Conditions (Key Fact Statement), version 4.15, updated 17 October 2026 (Most important terms (MITC), the bank's own, read 20 Oct 2026)
- Updates on your credit card rewards, fees and charges, effective 15 May 2026 (generic mailer linked from the product page) (Bank notice, the bank's own, read 20 Oct 2026)
- Business Regalia card feature updates effective 1 April 2025 (letter linked from the product page) (Bank notice, the bank's own, read 20 Oct 2026)
- Business Regalia complimentary domestic lounge visit by voucher from 5 January 2026 (notice linked from the product page) (Bank notice, the bank's own, read 20 Oct 2026)
- Rewards Points Program terms and conditions (Regalia terms, linked from the Business Regalia page) (Reward terms, the bank's own, read 20 Oct 2026)
- HDFC Bank rewards redemption form (cashback conversion ratios and minimums by card; PDF created 24 September 2026) (Reward terms, the bank's own, read 20 Oct 2026)