M16S / HDFC Bank / HDFC Business Regalia Credit Card
premium · business, rewards, travel
HDFC Business Regalia Credit Card
HDFC BankVisa · MastercardLast checked 12 Oct 2026closed to new applicants
The HDFC Business Regalia Credit Card costs Rs 2,500 a year, waived if you spend Rs 3,00,000 in a year. Its base return is 1%. The forex markup is 3.5%. Lounge visits in India: Up to 8 per year: 2 per calendar quarter, spend-based. Read from the issuer's documents and an aggregator on 12 Oct 2026.
4 RP per Rs 200 on retail spends incl. insurance and utilities (wallet, EMI, petrol excluded)
Base return
1%
Point value
1 RP = Rs 0.50 flights/hotels on SmartBuy; 0.5 airmile; up to Rs 0.35 products/vouchers; Rs 0.15 cashback against statement (page)
Caps
Max 50,000 RP per statement cycle; grocery 2,000 RP/month; UPI on RuPay 500 RP per calendar month; travel redemption 50,000 RP/month (page)
Spends that earn nothing
Rent, education, wallet loads, EMI, petrol (page)
Points expiry
2 years
Milestone benefits
10,000 bonus RP at Rs 5 lakh and a further 5,000 RP at Rs 8 lakh spend in the anniversary year
Reward notes
Redemption fee Rs 99 + GST (MITC). Base return recomputed from the issuer page: 4 RP/200 x Rs 0.50 = 1.0%.
Travel and perks
Domestic lounge
Up to 8 per year: 2 per calendar quarter, spend-based
International lounge
6 per calendar year outside India via Priority Pass, shared with add-on; Diners variant by card
Lounge conditions
Domestic visits need Rs 1 lakh spend in the previous quarter, open from the 5th of the quarter and come as lounge vouchers from 5 Jan 2026 (card swipe no longer accepted). Priority Pass after 4 retail transactions; visits beyond 6 charged USD 27 + GST. A page FAQ still says 12 visits within India.
Forex markup
3.5%
Fuel surcharge waiver
1% on txns Rs 400-5,000, cap Rs 500 per cycle (MITC)
Other freebies
Flat 10% extra off via Swiggy Dineout; up to 50 interest-free days; concierge; insurance covers withdrawn from 1 Apr 2025 (aggregator)
Self-employed, age 21-65, ITR Rs 12 lakh (aggregator). Not on HDFC's current business card list; superseded by BizPower.
Fine-print notes
Legacy business card, still serviced. Issuer product page read 2026-10-12. Page mentions Diners Club and RuPay variants for lounge access; networks left as recorded and unverified. Conflicts (issuer page used): base_earn: old '4 RP per Rs 150' vs page '4 RP per Rs 200'; base_return_pct 1.33 -> 1.0. Bank-wide charges per MITC: 1% fee on rent payments (cap Rs 4,999/txn); 1% on utility spends above Rs 50,000/month (Rs 75,000 on business cards); 1% on wallet loads above Rs 10,000/month (PayZapp exempt); 1% on fuel spends above Rs 15,000/month (Rs 30,000 business); 1% on online skill gaming above Rs 10,000/month; 1% on education paid via third-party apps; 1% + GST on railway tickets; 1.75% markup on INR transactions at overseas merchants from 15 May 2026. Points lapse if the card is unused for 365 days.
Questions
What is the annual fee of the HDFC Business Regalia Credit Card?
Rs 2,500 a year, before GST. It is waived if you spend Rs 3,00,000 in a year.
Does the HDFC Business Regalia Credit Card give airport lounge access?
Yes. In India: Up to 8 per year: 2 per calendar quarter, spend-based. Outside India: 6 per calendar year outside India via Priority Pass, shared with add-on; Diners variant by card. Conditions: Domestic visits need Rs 1 lakh spend in the previous quarter, open from the 5th of the quarter and come as lounge vouchers from 5 Jan 2026 (card swipe no longer accepted). Priority Pass after 4 retail transactions; visits beyond 6 charged USD 27 + GST. A page FAQ still says 12 visits within India.
What is the forex markup on the HDFC Business Regalia Credit Card?
3.5% of each foreign-currency transaction, before GST.
Which spends earn no rewards on the HDFC Business Regalia Credit Card?