HDFC Bank Business Regalia Credit Card
HDFC Bank · Visa
Why this card?
- 1% back in reward points on eligible spends
- ₹2,500 joining and annual fee; renewal fee waived on ₹3 lakh yearly spend
- 2 domestic and 6 international airport lounge visits a year
- 1% fuel surcharge waiver
Card details
- Issuer
- HDFC Bank
- Network
- Visa
- Annual Fee
- ₹2,500
- Joining Fee
- ₹2,500
- Reward Type
- points
- Best Reward Rate
- 1% on all eligible spends
- Forex Markup
- 3.5%
- Domestic Lounge
- 2/yr
- Min. Monthly Income
- ₹1,00,000
- Rates verified
- 2026-10-06
Our verdict
HDFC Business Regalia brings Regalia-style travel perks — 2 domestic lounge visits per quarter (after ₹1 lakh spend in the previous quarter) and 6 international lounge visits — to the SME and self-employed segment with business-friendly features like consolidated expense reports and employee supplementary cards.
Pros
- 2 domestic lounge visits per quarter are useful for regular business travellers, though they depend on prior-quarter spend
- Consolidated statements and GST-compatible reporting simplifies business accounting
- Employee supplementary cards with individual limits improve corporate expense management
- 6 international lounge visits add value for occasional international business trips
Cons
- Business card applications have stricter documentation (ITR, GST registration, business proofs)
- Reward rate is about 1% back as points at best (via SmartBuy flights and hotels), and lower with other redemptions
- 3.5% forex markup is high for international business travel, and only 6 international lounge visits may not suit heavy travellers
- HDFC is transitioning the Regalia range to Gold — check current availability for new applications