HDFC Business Regalia Credit Card: The HDFC Business Regalia Credit Card, a luxury cards issued by HDFC Bank offers its customer great benefits and cashbacks. This Credit Card basically belongs to the lifestyle category that caters to the needs of premium and super-premium customers.
This credit card offers several benefits and rewards to its customer in different categories such as, travel, shopping, dining, and much more. This card is targeted at business professionals where as the, Regalia Credit Card that is supposed to be used for personal use, i.e., this card is designed for business professionals to provide them with luxury rewards and cashback on every business and personal transaction.
Therefore, in this article we are going to see the features and benefits of the HDFC Business Regalia Credit Card and the eligibility to apply for the same.
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1. HDFC Business Regalia Credit Card Features and Benefits
The HDFC Business Regalia Credit Card offers great luxurious benefits and rewards and has been made for Business Professionals to manage their business expenses while earning great reward points and cashback on transactions made by them.
Here we have mentioned the features and benefits offered by the HDFC Business Regalia Credit Card:
- Milestone Benefits: On annual spends of Rs. 8,00,000, you can earn 15,000 Bonus Reward Points and on annual spends of Rs. 5,00,000, can earn 10,000 Bonus Reward Points.
- Travel Benefits: You get 12 complimentary lounge access at international and domestic terminals using the HDFC Bank Business Regalia Credit Card per calendar year within India. Just swipe your credit card at the lounge to avail the complimentary lounge access. Visits exceeding the complimentary quota will only be allowed at the discretion of lounge and will also be chargeable by the lounge.
- Dining Benefits: You can save upto 20% on dining bills paid through DineoutPAY with the maximum discount per transaction is capped at 1000 Rs. and the maximum discount per customer per month capped at Rs. 1000.
- Insurance Benefits: With this Credit Card, you get insurance benefits, including travel insurance, air accident cover worth Rs. 1 crores, Medical emergency cover, Delayed baggage and Credit liability.
- Priority Pass Benefit: Apply for Priority Pass for self and add on members on completing minimum 4 retail transactions on your HDFC Bank Business Regalia Credit Card. With Priority Pass, you and your add on member can together avail up to 6 Complimentary Lounge Access per calendar year, outside India.
- Renewal Benefits: If Rs. 3 lakhs have been spent, the renewal fee is waived off for your card in the previous year.
- Fuel Surcharge Waiver: On your fuel transactions between between Rs. 400 and Rs. 5,000, cardholders will get a fuel surcharge waiver of 1%, at fuel pumps all over India with max waiver capped at Rs. 500 per calendar month.
- Concierge Benefits: Through this Credit Card, you can avail of concierge benefits with 24×7 assistance. The concierge services provided on Flight referral and reservation, Hotel and restaurant reservation, Flowers and gifts, Booking and delivery of movie tickets, and Medical Concierge services.
Check, HDFC Diners Club Privilege Credit Card
2. HDFC Business Regalia Credit Card Fees and Charges:
- The Joining fee charges are- Rs. 2,500 + Taxes.
- The Annual fee and renewal fee charges, an annual membership fee of Rs. 2,500 + Taxes.
- The Cash withdrawal fee, is 2.5% i.e., Rs. 500 of the withdrawn amount.
- An interest rate of 3.6% per month (43.2% annually) is applicable on the due amount on the card if the cardholder is unable to clear all the dues by the payment due date.
- On all the Foreign currency transaction, you have to pay forex fee of 2% on the transacted amount. This fee is to be paid on all international transactions done using this credit card.
- Late Payment Charges are- apart from the interest rate, a late payment fee shall also be applicable, For Statement Balance: Less than Rs. 100 – None, Rs. 100 to Rs. 500 – Rs. 100, Rs. 501 to Rs. 5,000 – Rs. 500, Rs. 5,001 to Rs. 10,000 – Rs. 600, Rs. 10,001 and Rs. 25,000 – Rs. 800 and for more than Rs. 25,000 – Rs. 950.
3. HDFC Business Regalia Credit Card Eligibility Criteria to Apply:
The common eligibility criteria and the documents required to apply for HDFC Business Regalia Credit Card are as follows:
- The age limit for applying for this card is 21-65 years of age.
- The cardholder should be an Indian resident.
- The cardholder should be self-employed with min. Rs. 12 Lakhs per annum.
- For Identity Proof documents you need are Aadhar Card, Voters Id, PAN Card, Passport, Driving License.
- For Address Proof, Utility bills of the latest months, Aadhar Card, Passport, and Ration card are the needed documents.
- For Income Proof, you need to submit the latest bank statement as a salaried person, and can also, submit your company ID card, and if you are self-employed, you should submit your latest ITR.
4. How to Apply for HDFC Business Regalia Credit Card:
For HDFC Business Regalia credit card you can apply either online or offline. For offline mode, you can visit your nearest HDFC Bank branch with all the required documents and fill out the physical application form.
Here are the steps to be followed to apply for your HDFC Business Regalia credit card:
- Step 1: Visit Official website of the HDFC Bank- www.hdfcbank.com
- Step 2: Click on ‘Cards’ option, under ‘Borrow’ option.
- Step 3: Then, select ‘Credit Card’ option.
- Step 4: Under the category, Corporate or Business Credit Cards.
- Step 5: Choose the ‘HDFC Business Regalia Credit Card’.
- Step 6: Click on ‘Apply Now’.
- Step 7: Enter your mobile number and captcha to start the application, and all the requested details and providing the required documents.
This the way in which you can apply for HDFC Business Regalia credit card online.
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