HDFC Business Regalia Credit Card Review – Business Regalia Credit Card is a good premium-level card for business owners and self-employed. it helps to empower the Luxury in business. it comes with amazing benefits of traveling, business, Insurance, HDFC Bank additional safety, and fantastic cashback.
it could be a perfect choice if you are finding a premium and guaranteed savings card for you. it adds an extra layer of savings facility to your daily shopping savings by its one of the best reward points programs.
for business-related usage, it provides direct cashback of up to 5% per month. you can get this 5% cash-back facility on electricity bill payments, telephone & internet bill payments, and Government & Tax Payments.
Through this Weblog, we are going to share with you a full review of the Business Regalia Credit Card. and you will get your all answers about business regalia credit card fees, eligibility, limit, and others.
The benefits And Review of HDFC Business Regalia Credit Card
Table of Content
- The benefits And Review of HDFC Business Regalia Credit Card
- HDFC Business Regalia Credit Card Highlight Factors
- What Are The HDFC Business Regalia Credit Card Offers And Benefits
- Business Regalia Card Travel Benefits
- Discounts And Cashback
- Short List of Card Features
- How to Use Reward Points Redemption
- What Are Card Charges and Fees
- What Are the Eligibility Criteria For Business Regalia Credit Card HDFC?
- FAQ
- Other Credit Cards By HDFC Bank
- In Conclusion
HDFC Business Regalia Credit Card Highlight Factors
| Points | Description |
|---|---|
| Card Type | Premium Level Business Card |
| Best Suitable | Business, Self Employed, And Travel |
| Card Benefits & Features | – Interest-free credit period of Up To 50 Days – Upto 12 Complimentary Airport Lounge Access within India and 6 International. – Multiple Benefits of Reward Points Program And Real Cashback |
| Rewards Points | On every purchase up to ₹150 On all retail, you can earn 4 Reward Points from its amazing Reward Points Program |
| Milestone | – On Up To ₹5 Lakhs of Purchasing in the anniversary year, you will get 10,000 Reward Points as a bonus and gift. – Furthermore, if you are a big shopaholic, and spend upto 8 lakh, it has additional bonus Points Milestone Benefit, which offers upto 5,000 more reward points. |
| Renewal Offer | On Spending up to 3 Lakhs in the previous year, you can get the benefits for the Renewal fee waived off. |
What Are The HDFC Business Regalia Credit Card Offers And Benefits
The Business Regalia, as it names, you will get an idea about this card, it mainly focuses on Business related benefits and features. it is issued only for self-employed people. who want to have good savings and reward points on spending. regalia means royalty, it adds luxury to business. in simple words, it offers plenty of personal and business features, that will love it.
you can earn upto 4 reward points on all retail purchasing excluding wallet, EMI Payments, and Fueling. moreover, not only reward points, but it also offers direct cash-back, it offers up Upto 5% cashback on business-related bill payments such as electric bills and internet bills. it enables the facility to the cardholder to get Pre-approved instant Big loans and a Cash withdrawal facility.
Business Regalia Card Travel Benefits
It also focuses on Travel benefits, such as you will get 12 Complimentary national and international lounge access and 6 international Airport lounge access facility. For international traveling, you have an amazing lowest foreign currency markup of 2%. below, we mention a list of travel benefits –
- 12 Free Domestic and international airport lounge access
- Total ₹1 Crore Air Accidental Death Cover
- Total 15 Lakh WORTH Emergency Overseas Hospitalization protection Free
- ₹25,000 Flight Delay cover
- Last, but not least, ₹25,000 Missing Connecting International Flight cover
- 2% One of the lowest foreign currency markup
HDFC bank adds other additional and required benefits for cardholder safety and good conveniences, such as Zero Lost card liability, priority pass, and 24/7 Concierge Services.
Discounts And Cashback
Short List of Card Features
| Additional Features | Description (Details) |
|---|---|
| Milestone Benefit | Shopaholics will love this Regalia Business Card, it offers 10,000 Reward Points on anniversary year transactions upto 5 lakhs. moreover, it adds an additional 5000 RP, if your spending cross upto 8 lakhs. |
| Smart EMI | Yes, Within a Few Clicks, Convert your large expense into 3,6,9,12, and More Monthly EMIs. |
| Contactless Payment | it allows you to do your transactions without putting in your secret 4-digit pin. as per the rule of RBI, The maximum amount is ₹5000 for a single transaction with the Contactless Payment method. |
Set Card Control | You can control your all HDFC credit cards By Using MyCards.HDFCBANK.com, especially for Mobile phone users. |
| Insurance & protection | – 1 Crore Air Accident death cover |
| Foreign Currency Mark up | 2% (Quite Good) |
How to Use Reward Points Redemption
It has Smartbuy, and Netbanking methods to redeem your Premium Reward Points. To use the Reward Points Redemption facility by Netbanking, you have to log in to HDFC Bank’s official website. once you log in, all you need to have is, go to the cards option in the header of your Account. Select the Credit Card Reward Points Redemption button, and select the way to convert your points into multiple cashback, Airmiles, and E-Vouchers or Products.
Moreover, you can book hotels, and Air Flights on SmartPay App to redeem your Points.
- 1 Reward Point = ₹0.5 (Flights and hotel bookings via Smartbuy)
- 1RP = 0.5 air-mile (Airmiles conversion)
- 1 RP = upto ₹0.35 (Products and Vouchers)
- 1 RP = ₹0.20 (Redeem as Real Cash cashback)
Note: The validity of your earned reward points is 2 Years.
What Are Card Charges and Fees
| List of Charges | Overview |
|---|---|
| Welcome Benefits | 5% monthly cashback, Reward Points, And 12 Lounge Access For Free and additional Travel Benefits |
| Annual Fees on The Card | ₹2500 and GST Taxes |
| Joining Charges | – ₹2500 And Additional Taxes – The Renewal Membership charges will be waived off if you spend cross upto 3 lakhs on the preceding year |
| Finance Fees(Interest) | 43.2% annually And 3.6% Each Month |
| Late Payment Fee | – Less than ₹100, No Fee Will Asked The charges start from 100 each month to 1300 per month if your Late Due Payment will cross ₹50,000 And Above. |
| Add-on cards | Yes And Free |
| Rewards redemption | Available on SmartBuy And Internet Banking Only |
| Reward Validity | 2 Year |
What Are the Eligibility Criteria For Business Regalia Credit Card HDFC?
The Applicant must be an Indian citizen and the age must be in between 21 Years to 65 Years. moreover, importantly, this card is especially for Self-Employed And Business Owners. Also, The Self-Employed Applicant must have an Annual ITR ₹12 Lakhs and Above.
| Eligibility Criteria | Overview |
| Only For | Self-Employed, Businessmen and Owners |
| Your Age Must Be | The applicant must be In Between of 21 to 65 Years |
| Minimum Annual ITR | ₹12 Lakhs And Above |
Note: Must have additional Documents such as Address, Identity, And Income
FAQ
It is a fully premium Reward Points Program-based Credit Card for Business Owners. as per the words of HDFC Bank, they said about the card, when business meets luxury, Then, Business Regalia Card is one of the best Choice For You. it offers Real Cash Back And 4 Reward Points Each Time You use it.
For any Credit Related Services and Enquiry By HDFC Bank, you can contact these Helpline numbers 1860 267 6161 And 1800 202 6161
Other Credit Cards By HDFC Bank
In Conclusion
In Conclusion, HDFC Bank Business Regalia Credit Card is one of the best Premium Savings and Beneficial cards for you. it is a multi-saving card, it allows the primary cardholder to earn both Reward Points and cashback on spending. Furthermore, the additional upto 1 crore insurance cover and International lounge access features will make this card really luxurious to use. comment down below, if you have any queries.
