HDFC Business Regalia Credit Card vs HDFC Business MoneyBack Credit Card
Joining Fees
₹2,500
₹500
Editor's Rating
4
3
Key Features
- Earn 4 Reward Points on every Rs. 150 spent on retail spends excluding wallet, EMI and petrol
- Up to 50 days interest free credit period
- 5% monthly cashback on Business Essential Spends like (electricity bills, telephone & internet bills, Government & Tax Payments)
- Get Pre-approved instant loans and Cash withdrawal facility on Business Credit Card
- Convert all big spends into EMI after purchase
- Buy interiors, furnitures, electronics, ACs and more in bulk for the business with Easy EMI options
- Utility Bill Payments : Register the Credit Card with SmartPay, HDFC Bank's Utility Bill payment service, and be ensured that all utility bills are paid on time, conveniently and easily. Avail assured cashback up to Rs. 1800 in the first year and exciting e-vouchers worth up to Rs.800 for adding 2 or more bills on Smart Pay
- Zero Lost card liability
- Enjoy Revolving Credit at nominal interest rate
- Foreign currency mark up of 3.5% on all foreign currency spends
- 1% fuel surcharge waiver at all fuel stations across India on minimum transaction of Rs. 400 and maximum transaction of Rs. 5000. Max CashBack of Rs. 500 per statement cycle)
- Enjoy dining benefits with Good Food Trail program: Up to 20 % savings off on all restaurant bill payments via Swiggy Dineout (20,000+ restaurants). Offer is inclusive of Restaurant and Swiggy Discount, and valid only on payments done Swiggy App
- Complimentary Airport Lounge Access within India: 12 complimentary access per calendar year within India (both at domestic and international terminals). Visits exceeding the complimentary quota will be allowed at the discretion of lounge and will also be chargeable by the lounge. Visa Customers will be charged a transaction fee of Rs. 2 on their Visa Business Regalia Credit card towards complimentary lounge access. For Mastercard customers , Rs 25 get debited from customers card account for authorization purpose but it will get reversed. For RuPay Customers, 12 Complimentary Airport Lounge Access within India and 6 outside India using their RuPay card. 12 Complimentary Airport Lounge Access within India and 6 outside India using Diners Club card
- PRIORITY PASS:: Apply for Priority Pass for self and add on members by completing minimum 4 retail transactions on the HDFC Bank Regalia Credit Card. Using Priority Pass, cardholder and the add on member can together avail up to 6 Complimentary Lounge Access per calendar year, outside India. If exceeded the 6 Complimentary visits, cardholder will be charged at US $27 + GST per visit. Do note for Diners Club Card, Priority Pass is not required to access complementary 6 international lounge access. Cardholders can access international lounge using Diners Club Card. For RuPay Card, Priority Pass is not required to access complementary 6 international lounge access. Cardholders can access international lounge using their RuPay Card
- 24/7 Concierge Services
- Milestone Benefit: Avail Bonus 10,000 Reward Points by spending Rs. 5 lakhs in the anniversary year. Earn additional 5,000 Reward Points by spending Rs. 8 lakhs spends in the anniversary year
- Renewal fee waived off if cardholder spends more than 3 Lakhs in the previous year
- HDFC Bank Regalia Credit Card has the option to convert big spends into EMI after purchase
- Air Accidental death cover up to Rs 1 Crore
- Emergency Overseas Hospitalization protection worth up to Rs. 15 lakhs against any medical emergency when traveling in and outside the country
- Flight Delay cover of up to Rs 25,000 available to primary card holder
- Missing of Connecting International Flight cover of up to Rs. 25,000
- The card is enabled for contactless payments
- Gain 2X Reward Points, 4 Reward Points, on every Rs. 150 spent online
- Avail 2 Reward Points on all other retail spends, excluding wallet, EMI, and petrol, for every Rs. 150 spent
- Use HDFC Bank Business Moneyback Credit Card for Vendor/supplier and GST payments and enjoy up to 50 days of interest-free credit period
- Earn 2,500 Bonus Reward Points on spends of Rs. 1.8 lakhs or more within your anniversary year
- Redeem reward points as cashback against the statement
- Get 5X Reward Points on Fuel with a maximum 1000 points per month in the first year
- Do note that effective 1st October 2023, 5X RP on fuel transactions will be discontinued
- Up to 50 days interest-free credit period
- Avail 5% Monthly Cashback on Business Essential Spends such as electricity bills, telephone and internet bills, Government and Tax Payments
- Get up to Rs.250 cashback per statement with a minimum monthly spend of Rs.10,000. This offer is applicable only in the first year
- Get 5% cashback on GST payments using Business Credit Card. Offer valid only for the first year after card issuance
- Avail up to 4 Reward Points on every Rs. 150 spent for business payment, redeem reward points to pay credit card bill
- Register your credit card with SmartPay, HDFC Bank's utility bill payment service, and ensure that your utility bills are paid on time, conveniently and easily. You can get an assured cashback of up to Rs. 1800 in the first year, as well as exciting e-vouchers worth up to Rs. 800 for adding two or more bills on Smart Pay
- Zero Lost card liability
- Enjoy Revolving Credit at a nominal interest rate
- 1% fuel surcharge waiver at all fuel stations across India on minimum transactions of Rs. 400 and maximum transactions of Rs. 5000
- Experience wonderful dining benefits with the Good Food Trail program
- Save up to 20% on your restaurant bills at 20,000+ restaurants with Swiggy Dineout. This offer includes discounts from both the restaurant and Swiggy. Valid only for payments made through the Swiggy app
- Milestone Benefit: Earn Bonus 2,500 Bonus Reward Points when spending Rs. 1.8 lakhs in the anniversary year
- Renewal Offer: If you spent Rs.50,000 or more in the previous year, your renewal fee will be waived off
- Convert big spends into EMI after purchase
- The HDFC Bank Business Moneyback Credit Card is equipped with contactless payment technology for added convenience and speed
Editor's Review
Pros
- Earn 4 Reward Points on every Rs. 150 spent on retail spends
- 5% monthly cashback on Business Essential Spends like (electricity bills, telephone & internet bills, Government & Tax Payments)
- Get Pre-approved instant loans and Cash withdrawal facility on Business Credit Card
Cons
- Although complimentary Membership to the Priority Pass Program is offered, all Lounge visits within India using priority pass will be charged at US $27 + GST
- Lounge Visits outside India exceeding the complimentary visits will be charged at US $27 + GST
- The annual fee of Rs. 2500 is moderately high
Pros
- Gain 2X Reward Points, 4 Reward Points, on every Rs. 150 spent online
- Avail 2 Reward Points on all other retail spends, excluding wallet, EMI, and petrol, for every Rs. 150 spent
- Avail 5% Monthly Cashback on Business Essential Spends
Cons
- No golf benefits are provided
- No airport lounge access
