HDFC Business Regalia Credit Card

HDFC Business Regalia costs Rs 2,500 a year, earns 4 reward points per Rs 150, includes 12 lounge visits yearly, and needs ITR above Rs 12 lakh.

Fees and charges

Joining fee: Rs 2,500
Annual fee: Rs 2,500
Renewal fee: Rs 2,500 — No waiver published on the issuer fee page
Forex markup: 3.5%
Fuel surcharge: 1% — 1% waiver on fuel Rs 400-5,000, max Rs 500 per statement cycle

ALL: 4 Reward Points on every Rs.150 spent (on all retail spends excluding wallet, EMI and petrol) Redemption: Redeem against statement credit (T&C apply).
UTILITIES: 5% monthly cashback on business-essential spends (electricity, telephone & internet bills, government & tax payments) (Cap: Max Rs 500 cashback per statement on min monthly spends of Rs 20,000; first year only)

Domestic lounge access: 12 complimentary lounge accesses per year within India; from 1 Apr 2025, 2 visits per calendar quarter, plus 6 international visits via Priority Pass
Milestone bonus points: Bonus 10,000 Reward Points on Rs 5 lakh spends and an additional 5,000 Reward Points on Rs 8 lakh spends in an anniversary year
Fuel surcharge waiver: 1% fuel surcharge waiver at all Indian fuel stations on Rs 400-5,000 transactions, up to Rs 500 per statement cycle
Dining discount: Flat 10% extra off dining bills at 35,000+ partner restaurants

Minimum income: Rs 12,00,000 per annum
Age: 21-65 years Self-employed Indian citizens 21-65 with annual ITR above Rs 12 lakh; apply with ITR, GST returns, bank statements or merchant payment report.

Terms last reviewed 3 Sept 2026 against issuer-published schedules.

Issuer: HDFC Bank. FinWiz24 may earn a commission from application links; scoring is unaffected — see our affiliate disclosure.