HDFC Bank Business Regalia First Credit Card
MyRupaya Ratings
Product Details
Credit Card Name :
MakeMyTrip ICICI Bank Credit Card
Bank Name :
ICICI Bank
Type :
Travel Credit Card
Interest Rate :
3.40%p.m. 40.80%p.a.
Eligibility :
Occupation: Self Employed or Salaried
Age: Min 21 yrs & Max 65 Yrs
ITR of more than Rs 7,20,000 per year
Pros
Welcome Benefit: Users will get a Zomato Gold complimentary membership for a year. This membership can be availed after spending Rs.75,000 within the first 3 months of card issuance.
Reward System: Users will get 3 reward points for every Rs. 150 spent. 1 RP = 0.30 paisa. Effective cashback rate: 0.60%. Users will get 5% cashback on Telecom, Electricity, Government/Tax, Railway, Hotels & Dining, and Taxi with a maximum cashback of Rs.500 per statement on minimum monthly spends of Rs. 15,000.
Users will earn 7,500 reward points on annual spends of Rs. 6,00,000 or more in each anniversary year and 5,000 reward points on annual spends of Rs. 3,00,000 or more in each anniversary year.
Customers will get a complimentary Priority Pass membership for preferential access to over 1000+ airport lounges around the world.
Customers also get 8 complimentary domestic lounge access per calendar year.
Exclusive dining privilege at premium restaurants across India.
Users can enjoy the lowest foreign currency markup of 2% on all foreign currency spends.
Fuel surcharge waiver is also available.
Customers can also avail insurance covers against various risks- For air accidents, the nominated kin will receive a compensation of Rs. 50 lakhs. Protection worth up to Rs. 10 lakhs against any medical emergency while travelling. Flight Delay Cover of upto INR 25,000 is available for primary cardholders. Missing of Connecting International Flight: Cover of upto INR 25,000 available to primary cardholder
Cons
None
Pros & Cons
Welcome Benefits
Users will get a Zomato Gold complimentary membership for a year. This membership can be availed after spending Rs.75,000 within the first 3 months of card issuance.
Rewards System
Users will get 3 reward points for every Rs. 150 spent. 1 RP = 0.30 paisa. Effective cashback rate: 0.60%.
International Forex Markup
IFM- 2%
Welcome Benefits and Reward System
Special Features
Zomato Gold membership.
Travel benefits.
Dining benefits.
Eligibility Criteria
Occupation: Self Employed or Salaried
Age: Min 21 yrs & Max 65 Yrs
ITR of more than Rs 7,20,000 per year
Benefits
Customers can Enjoy a Zomato Gold complimentary Membership for a Year as a welcome benefit.
Customers can also enjoy enjoy world-class privileges and great saving opportunities. 5% Cashback on Telecom, Electricity, Government/Tax, Railway, Hotels & Dining, and Taxi with a maximum cashback of Rs.500 per statement on minimum monthly spends of Rs. 15,000.
Customers Get a complimentary Priority Pass Membership for preferential access to over 1000+ airport lounges around the world.
Speical Feature, Eligibility and Benefits
How to apply for Credit Card?
Go to the HDFC Bank website and click on the "Apply for Credit Cards" tab.
Select the "Business Regalia First Credit Card" from the list of cards.
Enter your personal and business details. Upload your scanned documents, such as your PAN card, Aadhaar card, and business registration certificate.
Submit your application.
You will be contacted by HDFC Bank's credit card team for further processing of your application.
The approval of your application will depend on your credit score and other factors.
Contact Details
1800 202 6161 or 1860 267 6161,
send an SMS to 730 8080 808,
or even use WhatsApp to send a message to 707 0022 222.
Account Opening and Procedure
Recommended Credit Cards
Pros:-
Change the text to include your own content. Adjust the font, size or scale to customize the style.
Cons:-
Welcome Benefit: Users will get a Zomato Gold complimentary membership for a year. This membership can be availed after spending Rs.75,000 within the first 3 months of card issuance.
Reward System: Users will get 3 reward points for every Rs. 150 spent. 1 RP = 0.30 paisa. Effective cashback rate: 0.60%. Users will get 5% cashback on Telecom, Electricity, Government/Tax, Railway, Hotels & Dining, and Taxi with a maximum cashback of Rs.500 per statement on minimum monthly spends of Rs. 15,000.
Users will earn 7,500 reward points on annual spends of Rs. 6,00,000 or more in each anniversary year and 5,000 reward points on annual spends of Rs. 3,00,000 or more in each anniversary year.
Customers will get a complimentary Priority Pass membership for preferential access to over 1000+ airport lounges around the world.
Customers also get 8 complimentary domestic lounge access per calendar year.
Exclusive dining privilege at premium restaurants across India.
Users can enjoy the lowest foreign currency markup of 2% on all foreign currency spends.
Fuel surcharge waiver is also available.
Customers can also avail insurance covers against various risks- For air accidents, the nominated kin will receive a compensation of Rs. 50 lakhs. Protection worth up to Rs. 10 lakhs against any medical emergency while travelling. Flight Delay Cover of upto INR 25,000 is available for primary cardholders. Missing of Connecting International Flight: Cover of upto INR 25,000 available to primary cardholder
None
HDFC Business Regalia First Credit Card is tailored for business people and provides exclusive privileges and great savings. This HDFC Credit card offers premium benefits including complimentary airport lounge access, preferential financial benefits, dining privileges at premium hotels, free insurance policy, and a lot more at an annual premium of Rs.1,000. A 100% recommended card for all types and sizes of businesses.
HDFC Bank Business Regalia First Credit Card
Abhijeet Saxena
Abhijeet Saxena
Nalsar University of Law
Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi
Ex - Khaitan & Co. Bengaluru,
Ex - National Stock Exchange, Mumbai,
Ex - Argus Partners, Mumbai
Product Review
Fees & Charges
Joining /Annual Fees: Rs. 1000/-
Cash advance fee: 2.5% or ₹ 500 whichever is higher.
Interest Rates: 3.60% p.m. 43.20% p.a.
Late Payment Charges: Less than ₹100 = Nil ₹100 to ₹500 = ₹100/- ₹501 to ₹5,000 = ₹500/- ₹5,001 to ₹10,000 = ₹600/- ₹10,001 to ₹25,000 = ₹800/- ₹25,001 to ₹50,000 = ₹1100/- More than ₹50,000 = ₹1300/-
Foreign Currency Transactions Fees: 2%.
Reward Redemption Fees: Rs. 99/-
Fuel Surcharge
1% Fuel Surcharge waiver on fuel transactions (Minimum transaction of ₹400, Maximum transaction of ₹5,000 & Maximum waiver of ₹250 per statement cycle)
Billing Cycle
30 Days