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HDFC Business Regalia Credit Card vs JetPrivilege HDFC Bank Signature/World

Joining Fees

₹2,500

₹2,500

Editor's Rating

4

4

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
  • Renewal benefits are as follows:

A. Continue getting 3,000 InterMiles upon spending Rs. 6,000 with in first 30 days of Anniversary date

You can also save lots on Flight & Hotel bookings as described below:

A. Rs. 750  Flight Discount vouchers

B. Rs. 1000  Hotel Discount vouchers 

 

  • Spend Rs. 3 lakh within 12 months of the Card setup date or within 12 months of Card renewal date to get the renewal fee for the next year waived off
  • Gain 6 InterMiles on every Rs. 150 spent on retail spends
  • Gain 12 InterMiles on every Rs. 150 spent on every flight ticket booked on http://flights.intermiles.com
  • Gain 12 InterMiles on every Rs. 150 spent on every Hotel booked on Interbook.intermiles.com
  • Get 5% discount on Etihad Airways Economy Class tickets booked on http://flights.intermiles.com
  • Get 10% discount on Etihad Airways Business Class tickets booked on https://flights.intermiles.com
  • Get 2.5X bonus InterMiles for Etihad Airways tickets booked on http://flights.intermiles.com
  • Domestic Lounge Program: Get access to selected lounges at airports in India with HDFC Bank’s network partners
  • VISA Lounge Program: Obtain 16 complimentary visits Per Year (4 per quarter)
  • MasterCard Lounge Program: Obtain 16 complimentary visits (4 per quarter)
  • Priority Pass Membership: Get the Priority pass membership that provides complimentary enrollment worth $99 into the Priority Pass Program allowing preferential access to more than 600 airport lounges around the world. Primary Card holders can get up to 5 free visits to the International Lounges every year
  • 1% fuel surcharge waiver at all fuel stations in India. This is valid on minimum transaction of Rs. 400, and the waiver is capped at Rs. 500 every billing cycle
  • Zero liability on lost Card
  • Enjoy Revolving Credit at an interest rate of 3.6% per month
  • Up to 50 days of free credit period from the date of purchase
  • Avail up to 3 Add-on Cards for immediate family members (over 18 years)
  • Save up to 20% on dining bills paid through Dineout Pay (15% Dineout Discount + Additional 5% HDFC Bank Discount):

A. Maximum discount per transaction capped at Rs 1000

B. Maximum discount per customer per month capped at Rs 1000

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

  • Joining bonus and renewal benefit
  • Base Fare Waiver
  • Airport Lounge Access

Cons

  • High interest rate
  • No golf privileges


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