HDFC Bank Business Corporate Regalia Credit Card
HDFC Bank
HDFC Bank Business Corporate Regalia Credit Card
HDFC Bank
Annual Fee
FREE
Effective Rate
0.30%
Network
MASTERCARD
Point Value
₹0.30/pt
About HDFC Bank Business Corporate Regalia Credit Card
Premium corporate credit card. 4 Reward Points per ₹150 spent (= 2.67 pts/₹100). Complimentary Club Vistara Silver membership. 8 domestic lounge visits/year. Employee fraud insurance ₹2L/card, ₹25L corporate. SmartBuy Corporate portal for earn & burn.
Best For
Pros & Cons
thumb_upPros
- check_circleDomestic Airport Lounge Access
- check_circleLifetime free — no annual fee ever
- check_circleClub Vistara Silver Membership
- check_circleEmployee Fraud Insurance
- check_circleSpending milestone bonuses for high spenders
thumb_downCons
- cancelForeign transaction fee applies on overseas spends
- cancelPoints redemption catalog may limit flexibility
Reward Earning Structure
Each point is worth ₹0.30 — an effective return of 0.30% on spend.
| Category | Earn Rate | Per ₹10,000 Spent |
|---|---|---|
| All other spends | 8% | 800 pts≈ ₹240 |
| All other spends | 6% | 600 pts≈ ₹180 |
| All other spends | 2% | 200 pts≈ ₹60 |
Points can typically be redeemed for flight tickets, hotel bookings, cashback, gift vouchers, or merchandise via the HDFC Bank rewards portal. Redemption value may vary by option.
Card Benefits
Domestic Airport Lounge Access
8 complimentary domestic lounge accesses per year via HDFC Bank Lounge Access Program.
Club Vistara Silver Membership
Complimentary Club Vistara Silver tier membership.
Employee Fraud Insurance
Fraud insurance cover of ₹2 lakh per card and ₹25 lakh at corporate level.
1% Fuel Surcharge Waiver
1% fuel surcharge waiver on fuel transactions ₹400–₹5,000 at all petrol pumps.
SmartBuy Corporate Portal
Exclusive earn and burn portal for corporate cardholders with special offers.
Zero Lost Card Liability
No liability on fraudulent transactions if reported immediately to HDFC Bank.
Spending Milestones
Unlock bonus rewards when your annual spend crosses these thresholds.
Spend ₹3,00,000 (ANNUAL)
Annual Fee Waiver – ₹3L Spend: Annual renewal fee of ₹2,500 waived on achieving net annual spends of ₹3,00,000 in the card anniversary year. Fuel excluded.
Spend ₹5,00,000 (ANNUAL)
Bonus 10,000 Reward Points at ₹5L Spend: Earn 10,000 bonus Reward Points (worth ₹2,000) on achieving cumulative retail spends of ₹5,00,000 in a card anniversary year. Points credited within 1 week of milestone.
Spend ₹8,00,000 (ANNUAL)
Bonus 5,000 Reward Points at ₹8L Spend: Earn additional 5,000 bonus Reward Points (total 15,000) on achieving cumulative retail spends of ₹8,00,000 in a card anniversary year. Fuel excluded.
Fees & Charges
Key fees at a glance. For the complete schedule refer to the official Key Fact Statement (KFS) on the HDFC Bank website.
| Annual Fee | Lifetime Free |
| Forex Markup | As per issuer schedule |
| Interest Rate (APR) | Refer to KFS |
| Late Payment Charges | Refer to KFS |
| Cash Advance Fee | Refer to KFS |
Eligibility & Documents Required
Eligibility Criteria
- checkAge: 18–70 years (primary cardholder)
- checkMinimum annual income: As per bank norms
- checkCIBIL score: 750+ recommended
- checkEmployment: Salaried or self-employed Indian resident
Documents Required
- descriptionPAN Card (mandatory)
- descriptionAadhaar / Passport / Voter ID (address proof)
- descriptionSalary slips — last 3 months (salaried)
- descriptionLatest ITR or Form 16 (self-employed / salaried)
- descriptionBank statements — last 3 months
- descriptionPassport-size photograph
Frequently Asked Questions
Common questions about HDFC Bank Business Corporate Regalia Credit Card.
Ready to apply for HDFC Bank Business Corporate Regalia Credit Card?
Apply directly on the HDFC Bank website. Most decisions within 7–10 working days.
Affiliate disclosure: CreditBrain may earn a referral fee if you apply via our link. This does not affect our editorial independence.