HDFC Business Regalia First Credit Card
HDFC Bank
Last updated: Oct 24, 2025
₹1,000
₹1,000
2%
11 visits/yr
Contents
A business-focused lifestyle card that rewards high-value business spends with accelerated Reward Points and milestone bonuses. It includes cashback on essential business spends, fuel surcharge waiver, and premium rewards redemption options. Ideal for self-employed professionals and small businesses seeking travel and dining privileges.
Features of HDFC Business Regalia First Credit Card which makes it unique
Business Spend Rewards
Higher rewards and cashback on business-essential payments
Helps manage & reduce business operating costs
Competitive vs. other business cards
Regalia Travel Portal
Exclusive travel redemptions and discounts via Regalia portal
High redemption value for flights & hotels
Better travel redemption options than basic reward cards
Rewards Structure of HDFC Business Regalia First Credit Card
All Retail
baseAll retail spends excluding wallets, EMI and petrol
Best-in-class rewards program with catalogue and travel redemptions.
Business Essentials
acceleratedUtilities, telecom, government & tax payments (select categories)
Assured cashback on utility and business-essential spends for new cardholders.
Milestone Bonus
baseAnnual spends in anniversary year
Bonus points credited as per anniversary year qualification.
Milestones of HDFC Business Regalia First Credit Card
Annual Spend Bonus
₹6,00,000 : 7,500 Reward Points
Higher Annual Spend Bonus
₹9,00,000 : Additional 5,000 Reward Points
Fees & Charges of HDFC Business Regalia First Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | ₹1,000 |
| Annual Fee | ₹1,000 |
| Forex Markup Fee | 2% |
| Cash Advance Fee | 2.5% |
| Late Payment Fee | ₹750 |
| Over Limit Fee | ₹500 |
| Returned Payment Fee | ₹350 |
| Cash Withdrawal Fee | 3% |
Renewal Conditions:Renewal fee waived if previous year spends exceed ₹1,00,000 (check issuer T&C).
Fee Explanation Standard HDFC Bank fees and charges apply; see issuer fee schedule for exact slab details.
Lounge Access Benefits with HDFC Business Regalia First Credit Card
domestic Lounges
silverVisits per year: 8
Guest access: No
Access and counts depend on card variant and promotional offers.
international Lounges
silverVisits per year: 3
Guest access: Yes
Priority Pass issuance and visits depend on qualifying criteria.
Insurance Coverage with HDFC Business Regalia First Credit Card
Travel Insurance
VariableCoverage and limits depend on offer and T&C.
Purchase Protection
Up to ₹50,000Subject to issuer terms and claim process.
Additional Features of HDFC Business Regalia First Credit Card
Contactless Payments
Tap-to-pay enabled where supported
Add-on Cards
Add-on cards available per issuer policy
Welcome Bonus with HDFC Business Regalia First Credit Card
Welcome Bonus: 7,500 Reward Points
Bonus Conditions: Bonus points awarded in anniversary year: 7,500 points on ₹6,00,000 spends and additional 5,000 points on ₹9,00,000 spends; subject to T&C on HDFC Bank rewards programme.
Application Process for HDFC Business Regalia First Credit Card
Processing Time
5-7 business days
Online Application
Available
Instant Approval
Not Available
Step-by-Step Process
Apply online via HDFC Bank portal or visit branch
Upload KYC and business documents
Receive verification and approval decision
Card dispatched as per issuer timelines
Required Documents for HDFC Business Regalia First Credit Card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
self_employedAccepted documents:
HDFC Business Regalia First Credit Card Merchant Acceptance Network
Domestic Acceptance
Wide coverage across India
International Acceptance
Accepted globally
Online Acceptance
Yes
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for HDFC Business Regalia First Credit Card
Quick Eligibility Check
Minimum Age
21+
Credit Score
700+
Citizenship
Indian only
Income Requirements
Salaried Applicants
₹30,000
Minimum annual income
Self-Employed Applicants
₹40,000
Minimum annual income
Who Can Apply
Important Conditions
- Applicant must meet HDFC Bank business credit eligibility and provide valid KYC documents (PAN, Aadhaar).
How Approval Is Decided
- Minimum age 21 years
- Indian resident
- Qualifying ITR / business financials as per HDFC Bank
Pros of HDFC Business Regalia First Credit Card
- Strong reward structure for business spends
- Milestone bonus points
- Useful cashback on utilities and telecom
Cons of HDFC Business Regalia First Credit Card
- Milestone thresholds are relatively high for small businesses
- Some benefits may be limited to first-year promotions
Frequently Asked Questions about HDFC Business Regalia First Credit Card
What is the welcome bonus for this card?
You receive 7,500 Reward Points on ₹6,00,000 annual spend and an additional 5,000 points on ₹9,00,000 in the anniversary year; terms apply.
How many reward points do I earn on retail spends?
Base earn is approximately 3 Reward Points per ₹150 spent (historically 4 RP/₹150 for some periods); check current HDFC rewards terms.
Is there a fuel surcharge waiver?
Yes — a 1% fuel surcharge waiver applies for transactions between ₹400 and ₹5,000 (subject to issuer terms and caps).
How can I get the annual fee waived?
Renewal fee waiver is typically available on meeting the specified annual spend threshold (e.g., ₹1 lakh prior year spends) as per HDFC terms.
Who is eligible for HDFC Business Regalia First?
Designed for self-employed professionals and business owners meeting HDFC Bank's business credit eligibility, usually aged 21–65 with qualifying ITR/turnover documents.
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