Earn 4 Reward Points on every Rs. 150 spent on retail spends excluding wallet, EMI and petrol
By making Vendor/supplier bill payments and GST payments using HDFC Bank Business Regalia Credit Card, get up to 50 days of free credit period
12 Complimentary Airport Lounge Access within India at domestic and international terminals
Customers who use RuPay cards can now enjoy 12 complimentary airport lounge accesses within India and 6 outside India
With the Diners Club card, you can enjoy up to 12 complimentary airport lounge visits within India and 6 outside India
PRIORITY PASS: To avail a Priority Pass, you can apply once you complete a minimum of 4 retail transactions on your HDFC Bank Regalia Credit Card. With a Priority Pass, you and your add-on member can together enjoy up to 6 complimentary lounge access per calendar year, outside India
Get 5% monthly cashback on Business Essential Spends
Up to 4 Reward Points on every Rs.150 spent for business payment, redeem reward points to pay credit card bill
HDFC Bank Merchants can now conveniently make vendor and distributor payments through a single app using SmartHub
Get Pre-approved instant loans and Cash withdrawal facility on the Business Credit Card
Convert all big spends into EMI after purchase
Zero Lost card liability
Get Revolving Credit at nominal interest rate
2% on all foreign currency spends
1% fuel surcharge waiver at all fuel stations across India on transactions betwwen Rs. 400 and Rs. 5000
Enjoy dining benefits with the Good Food Trail program
Save up to 20% on all restaurant bills via Swiggy Dineout (20,000+ restaurants). The offer includes both restaurant and Swiggy discounts and is only valid on payments made through the Swiggy app
Milestone Benefit: Earn Bonus 10,000 Reward Points when spending Rs. 5 lakhs in the anniversary year. Earn an additional 5,000 Reward Points when spending Rs. 8 lakhs in the anniversary year
Renewal Offer: The renewal fee is waived off if you spent more than 3 lakhs in the previous year
Convert big spends into EMI after purchase
Air Accidental death cover up to Rs 1 Cr
Emergency Overseas Hospitalization protection worth up to Rs. 15 lakhs
Flight Delay cover of up to Rs 25,000
Missing of Connecting International Flight cover of up to Rs 25,000
The maximum 50,000 Reward Points can be earned in a statement cycle for your Business Regalia Credit Card
This card is enabled for contactless payments
You’ll receive Welcome Benefit of 500 Cash Points that’s applicable only on the payment of the membership fee
In the first 90 days, spend Rs. 20000 or above and get first-year membership fee waived off
Accumulate and redeem reward points for cash-back against outstanding amount on your Credit Card (100 points = Rs. 20)
In the first year, spend Rs. 50,000 or above and get renewal membership fee waived off
Earn 2 Reward Points on every Rs 150 spent
Every quarter receive a gift voucher worth Rs. 500 on spends of Rs 50,000. Get up to Rs. 2,000 worth of gift vouchers in a year
While doing online shopping, earn 4 reward points for every Rs 150 you spend online with the card. (With effect from 15th July 2020, customers can get up to 500 Reward Points per statement cycle for the online spends, under the 2X RP feature.)
Spend Rs 50,000 in a Quarter and avail Rs 500 worth E-Voucher
Renew membership for free by just spending Rs. 50,000 in a year before the renewal date
1% fuel surcharge waiver at any fuel stations in India, on minimum transaction Rs. 400 and Max CashBack of Rs. 250 per statement cycle
If your HDFC Moneyback Credit Card gets lost, report immediately and avail zero liability on any fraudulent transactions made on the Credit Card
Rewards Rate:
Reward Points accumulated can be redeemed against statement balance at the rate 1 RP = Rs. 0.20
Reward Points can even be used to redeem against travel benefits such as Flight & Hotel bookings and Rewards Catalogue at the SmartBuy Rewards Portal: 1 CashPoint = Rs. 0.25
Editor's Review
Pros
On all foreign currency spends, avail the lowest foreign currency markup of 2%
Redeem Reward Points instantly against Airline ticket booking and Hotel booking
Enjoy the exclusive 24/7 Concierge Service
Cons
Although complimentary Membership to the Priority Pass Program is offered, all Lounge visits within India using priority pass will be charged at US $27 + GST
Lounge Visits outside India exceeding the complimentary visits will be charged at US $27 + GST.
The annual fee of 2500 is moderately high
Pros
Zero liability on the lost card if reported immediately
With the EMV Chip technology presented in the card, stay protected against fraud
Avail up to 50 days of the interest-free period from the date of purchase, and enjoy Revolving Credit at a nominal interest rate
Cons
The Reward points are only valid for 2 years
No complimentary Airport Lounge Access
High-interest rate of 3.49%
More comparisions with HDFC Business Regalia Credit Card