Card Type

Reward Point + CashBack


  • Earn 4 Reward Points on every Rs.150 spent:
    (On all retail spends excluding wallet, emi and petrol)
  • Make all Vendor/supplier bill payments and GST payments using HDFC Bank Business Regalia Credit Card and get upto 50 days of free credit period
  • Bonus 10,000 Reward Points on Rs. 5 lakhs spends and additional 5,000 Reward Points on Rs. 8 lakhs spends in an anniversary year.
  • Redeem your reward points against statement (T&C apply)
  • 12 Complimentary* Airport Lounge Access within India and 6 outside India.

Benefits for your Business

  • Up to 50 days interest free credit period
  • 5% monthly cashback on Business Essential Spends like  (electricity bills, telephone & internet bills, Government & Tax Payments)
    Hassel free Tax payment via Credit Card. Benefits & Steps
    ​​​​​​​(Maximum cashback of Rs.500 per statement on minimum monthly spends of Rs.20,000. Applicable only in 1st year)
  • HDFC Bank Merchants can now use the SmartHub app to make their vendor and distributor payments through a single app
         * Convenient and instant payments
         * Upto 50 days credit period for payments made via Business Credit Card
         * Easy reconciliation of payment & invoices
         * Make GST payments
  • Get Pre-approved instant loans and Cash withdrawal facility on your Business Credit Card
  • Convert all your big spends into EMI after purchase
  • Buy interiors, furnitures, electronics, ACs and more in bulk for your business  with Easy EMI options on your Business Credit Cards.

Benefit for GST and Vendor Payment

Make GST and Vendor Payments via SmartHub Vyapar and swifti.in using HDFC Bank Business Credit Card and avail the exclusive benefits: 

  • Up to 50 days Interest Free Credit Period 
  • 5% cashback on paying GST payment using Business Credit Card. 
    (Applicable only in the 1st year from Card issuance) 
  • Up to 4 Reward Points on every Rs.150 spent for business payment, redeem reward points to pay credit card bill. 
  • Convenient and Instant Payments.
  • Easy tracking of payment and invoices at one place.

To know more, Click on SmartHub Vyapar and swifti.in 

Steps to pay GST payment via swifti.inClick here  

Simply pay GST & Vendor payment through one single app via SmartHub VyaparClick here

Additional Features

  • Utility Bill Payments : Register your Credit Card with SmartPay, HDFC Bank's Utility Bill payment service. You can then ensure that all your utility bills are paid on time, conveniently and easily. Get assured cashback upto Rs. 1800 in the first year and exciting e-vouchers worth upto Rs.800 for adding 2 or more bills on Smart Pay.For more details click here

  • Zero Lost card liability : In the infortunate event if you lose your HDFC Bank Business Regalia credit card, report it immediately to our 24-hour call centre. After reporting the loss, you have a zero liability on any fraudulent transactions made on your card.

  • Revolving Credit : Enjoy Revolving Credit on your Credit Card at nominal interest rate, refer Fees and Charges section.

  • Lowest foreign currency mark up of 2% on all your foreign currency spends

Fuel Surcharge Waiver

1% fuel surcharge waiver at all fuel stations across India
(on minimum trasaction of ₹400 and maximum transaction of ₹5000. Max CashBack of ₹500 per statement cycle)
Click Here for details

Dining Benefits

Enjoy amazing dining benefits with Good Food Trail program

Get up to 20 % savings off on all your restaurant bill payments via Swiggy Dineout (20,000+ restaurants),

Offer inclusive of Restaurant and Swiggy Discount. Offer valid only on payments done Swiggy App.

Click here for more details

​​​​​​​Refer T&C

Lounge Access

A. Complimentary Airport Lounge Access within India

  • 12 complimentary access per calendar year within India (both at domestic and international terminals) using the HDFC Bank Regalia Credit Card 
  • Swipe your Regalia credit card at the lounge to avail the complimentary lounge access
  • Click Here to check the list of lounges
  • Visits exceeding the complimentary quota will be allowed at the discretion of lounge and will also be chargeable by the lounge
  • Visa Customers will be charged a transaction fee of Rs. 2 on their Visa Business Regalia Credit card towards complimentary lounge access
  • For  Mastercard customers , Rs 25 get debited from customers card account  for authorisation purpose but  it will get reversed
  • For RuPay Customers, 12 Complimentary* Airport Lounge Access within India and 6 outside India using their RuPay card.
  • 12 Complimentary* Airport Lounge Access within India and 6 outside India using Diners Club card.
  • Please download the Diners Club® Travel Tools App and register your HDFC Bank Diners Club® credit card for a personalized experience as well as for locating the entire list of available domestic & international lounges

    The Diners Travel Tools App is available to download for free on the Apple store  & Google Play Store


  • You can apply for Priority Pass for self and add on members once you complete minimum 4 retail transactions on your HDFC Bank Regalia Credit Card.
    Click here to apply
  • Using Priority Pass, you and your add on member can together avail up to 6 Complimentary Lounge Access per calendar year, outside India.
  • If you exceed the 6 Complimentary visits, you will be charged at US $27 + GST per visit
  • For Diners Club Card, Priority Pass is not required to access complementary 6 international lounge access. Cardholders can access international lounge using Diners Club Card.
  • For RuPay Card, Priority Pass is not required to access complementary 6 international lounge access. Cardholders can access international lounge using thier RuPay Card.

Please note: Priority Pass in India will attract charges on your Credit Card. Click here to know more 
You can visit www.prioritypass.com for list of lounge details.

To know about your lounge access history
Please write a mail to pp@prioritypass.com.hk Please provide name, complete 18 digit Priority Pass number and state that PP Membership is via HDFC Bank program. If there is more than 1 Priority Pass number (belonging to add on PP holders), then please provide all the PP Numbers.

Any dispute on Priority Pass need to be raised withing 6 months of visit.


Enjoy the exclusive 24/7 Concierge Services on your HDFC Bank Regalia Credit Card. Simply call us: toll-free on 1860 425 1188 (India)/ Email ID: regalia.support@smartbuyoffers.co

  • Accessible 24x7
  • English and multilingual

Milestone Benefit

  • Earn Bonus 10,000 Reward Points when you spend Rs. 5 lakhs in the anniversary year.
  • Earn additional 5,000 Reward Points when you spend Rs. 8 lakhs spends in the anniversary year

*T&C Apply

Renewal Offer

Renewal fee waived off if you spend more than 3 Lakhs in the previous year​​​​​​​​​​​​​​

Smart EMI

HDFC Bank Regalia Credit Card comes with an option to convert your big spends into EMI after purchase. To know more Click Here

Insurance/Comprehensive protection & Nominee details for Insurance

  • Air Accidental death cover up to Rs 1 Cr
    Click Here to update your nominee details.
  • Emergency Overseas Hospitalization protection worth up to Rs. 15 lakhs against any medical emergency when you are travelling, and are outside your home country
  • Flight Delay cover of upto Rs 25,000 available to primary card holder
  • Missing of Connecting International Flight cover of upto Rs 25,000 available to primary card holder
    Click Here for details

Reward Point/CashBack Redemption & Validity

Reward Points Accrual:

  • Earn 4 Reward Points on every Rs. 150 spent on all retail* spends including Insurance, Utilities.
  • Earn 10,000 Reward Points on annual spends of Rs. 5 lakhs.
  • Earn additional 5,000 Reward Points on annual spends of Rs. 8 lakhs.​​​​​​​
  • The maximum 50,000 Reward Points can be earned in a statement cycle for your Business Regalia Credit Card.

With effect from 1st January 2023:

  1. Rent payment and Education related transactions will not earn reward points.
  2. Reward points earned on Grocery transactions will be capped to 2,000 per month.
  3. Redemption of Travel Reward Points will be capped at 50,000 points per month.

​​​​​​​Reward Point Redemption:

  • You can redeem your Reward Points on Smartbuy or Netbanking.
  • Reward Points can be redeemed for:

    > Flights and hotel bookings via Smartbuy at a value of 1 RP = Rs 0.5
    > Airmiles conversion through netbanking at a value of 1RP = 0.5 airmile
    > Products and Vouchers via Netbanking or SmartBuy at a value of 1 RP = upto Rs 0.35
    > Redeem as cashback against statement at a value of 1 RP = Rs 0.20

    Please Click Here to know more

Contactless Payment

  • The HDFC Bank Business Regalia Credit Card is enabled for contactless payments, facilitating fast, convenient and secure payments at retail outlets.

To see if your Card is contactless, look for the contactless network symbol  on your Card.

(Please note that in India, payment through contactless mode is allowed for a maximum of ₹5000 for a single transaction where you are not asked to input your Credit Card PIN. However, if the amount is higher than or equal to ₹5000, the Card holder has to enter the Credit Card PIN for security reasons)

Set Card Control

  • As per RBI guidelines to encourage secure International transactions, it is mandatory to temporarily disable Credit Card usage on Online Transactions / Contactless Transactions / International Transactions for customers, who have been inactive for the service prior to 31st July, 2020 or have been issued a new card (fresh issue/re A issue/replacement/upgrade) post 5th February, 2021

  • You can continue to use your Card at ATMs & for purchases at merchant outlets near you.

    This is simply a precautionary measure to ensure a safe banking experience for you. You can enable the services using MyCards / EVA / WhatsApp Banking / NetBanking.
    Click Here for more details 

PIN Setting Process

Set PIN for your card by following any of the below option:

 By using IVR: Call 1860 266 0333 from registered mobile number

  •  Key in last 4 digits of your Business Credit Card No
  • Validate with OTP sent on registered mobile no
  • Set 4 digit Pin of your choice

  By using Netbanking:

  • Login to Netbanking
  • Click on "Cards" and visit "Request" Section
  • Chose Instant Pin generation
  • Select card number and enter your 4 digit Pin

    ​​​​​​​For more details click here

Manage your Card on the go

Now access your HDFC Bank Business Credit card 24/7 on the go with our HDFC Bank MyCards platform
     Enable online & contactlesss usage
     View -  Transaction, Reward Points, Statements & more.
     Manage - online usage, contactless usage, set limits, enable & disable
    Check - Credit card outstanding, due date and more
For more details, click here.

Benefit for your Business

Additonal cashback benefit offers discontinued for Current & Merchant account holders*. Know more.