Business Regalia Credit Card Review 2026 — Fees, Rewards & Eligibility
By Credit Card Hunt Editorial Team
Issuer: HDFC Bank
Network: Visa | Tier: Premium
The Business Regalia Credit Card is a Premium Visa credit card issued by HDFC Bank, best suited for SME users. It carries a joining fee of ₹2,500, with an interest rate of 3.6% per month. Key benefits include Business travel card, Reward points, and Lounge access. New cardholders get a welcome benefit of Welcome RP. On fees — Lounge access: Lounge access; Foreign transaction markup: 3.5%; Fuel surcharge: 1% waiver. Applicants typically need ₹6,00,000/year to qualify. It falls under the Business, Travel, Shopping, and Fuel category on CreditCardHunt.
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Why Choose the Business Regalia Credit Card?
The Business Regalia Credit Card is a Premium-tier Visa credit card issued by HDFC Bank, rated 4.3/5 by the Credit Card Hunt editorial team. It is best suited for SME users. With a reward rate of Reward points and an annual fee of ₹2,500, it ranks among the popular Business cards in India in 2026.
New cardholders are welcomed with Welcome RP, which adds immediate value in the first year.
Business Regalia Credit Card Fees & Charges
| Annual Fee | ₹2,500 |
|---|---|
| Joining Fee | ₹2,500 |
| Interest Rate | 3.6% per month |
| Foreign Markup | 3.5% |
| Fuel Surcharge Waiver | 1% waiver |
Business Regalia Credit Card Rewards & Benefits
| Reward Rate | Reward points |
|---|---|
| Welcome Bonus | Welcome RP |
| Lounge Access | Lounge access |
| Best For | SME users |
Key Highlights of the Business Regalia Credit Card
- Business travel card
- Reward points
- Lounge access
Business Regalia Credit Card Eligibility Criteria
- Age: 21-65 years
- CIBIL score: 750+
- Minimum income: ₹6,00,000/year
Minimum Income Required: ₹6,00,000/year
Advantages of the Business Regalia Credit Card
- Business benefits — a genuine plus for anyone eyeing this premium card.
Drawbacks of the Business Regalia Credit Card
- Limited personal rewards — worth weighing before you apply.
Business Regalia Credit Card — Frequently Asked Questions
What is the annual fee of the Business Regalia Credit Card?
The Business Regalia Credit Card has an annual fee of ₹2,500 and a joining fee of ₹2,500. New cardholders receive Welcome RP as a welcome benefit, which helps offset the joining cost.
Does the Business Regalia Credit Card offer airport lounge access?
Yes — the Business Regalia Credit Card offers Lounge access.
Who is eligible for the Business Regalia Credit Card?
The minimum income requirement is ₹6,00,000/year. Banks typically also look for a CIBIL score of 700 or above and a clean repayment history.
What is the reward rate of the Business Regalia Credit Card?
The Business Regalia Credit Card earns Reward points. It is best suited for SME users.
Official sources for this review
Fees, rules and limits described above are governed by the primary sources below.
- RBI Master Direction — Credit Card and Debit Card Issuance and Conduct Directions, 2022 — Reserve Bank of India
- Department of Financial Services — Banking Division — Ministry of Finance, Government of India
- Consumer Financial Decision-Making research — Wharton School, University of Pennsylvania
- Tax Collected at Source on Liberalised Remittance Scheme transactions — Income Tax Department, Government of India
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Expert Rating: 4.3/5