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| Monthly Spend | ₹5K | ₹10K | ₹20K | ₹50K | ₹100K |
|---|---|---|---|---|---|
| Net Reward Yield | -2.9%^ | -1.4%^ | -0.5%^ | 1.2% | 0.9% |
| Est. Monthly Reward (₹) | (150) | (145) | (110) | 580 | 875 |
| All-India Rewards Rank* | 295 | 312 | 335 | 100 | 150 |
| Within Bank Rank* | 44 | 48 | 49 | 18 | 23 |
| * Based on est. net reward yield for nearly 400 credit cards in India, for each monthly spending level. Read about how we calculate the net reward yield here.
^The negative figure means at this level of monthly spends, the rewards earned in a year will be worth less than the annual fee. |
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The Business Regalia Credit Card offers 0.67% effective discount on all online spending and 0.33% on all other retail spending. You also earn 5% cashback on electricity bills, telephone & internet bills, Government & Tax Payments, capped at ₹500 per month.
We estimate this card has a net reward yield of 0.9-1.2% on spending above ₹50,000 with the card in a month, making it a low reward card for HDFC Bank customers
Consider the Millennia Credit Card if you spend less than ₹50,000 a month on your card.
It offers a net reward yield of 2.3-2.7% on spending up to ₹50,000.
If you spend less than ₹10,000 a month on your card, also consider the Bharat Credit Card with a net reward yield of 1.9-2.4%.
If you spend more than ₹50,000 a month on your credit card, we recommend the 6E Rewards XL – Indigo HDFC Bank Credit Card. We estimate it offers a net reward yield of 2.0-2.2% for high spenders.
Our list of the best credit cards in India, at every spending level and from every bank, is here. You can find a detailed discussion of our methodology here.
| Card | Business Regalia Credit Card |
|---|---|
| Card Type | Reward |
| Reward Features | 4 Reward Points / ₹ 150 on all spends excluding wallet, EMI and Petrol
5% Cashback on Business Essential Spends (electricity bills, telephone & internet bills, Government & Tax Payments) |
| Milestone Rewards | – 10,000 Bonus Reward Points on annual spends ₹5 Lacs
– 5,000 Additional Points on on annual spends ₹8 Lacs |
| Other Rewards | 20% off on dining bills paid through DineoutPay (Max. ₹300 / mth.) |
| Rewards Redemption Fee | ₹99 |
| Reward Caps | ₹500 cashback on Business Essential Spends (electricity bills, telephone & internet bills, Government & Tax Payments) |
| Preferred Redemption Method | Cashback against statement balance @ ₹ 0.20 / reward point |
| Card | Business Regalia Credit Card | |
|---|---|---|
| Joining Fee | ₹2,500 + Taxes | |
| Annual Fee | ₹2,500 + Taxes | |
| Min. Annual Credit Card Spend for Fee Waiver |
₹3 Lacs | |
| Income Criteria | Salaried | N/A |
| Self-employed | ITR>₹12 Lacs | |
| Supplementary Card Fee | Free | |
| Interest Rate | 43.20% p.a. | |
| Foreign Currency Markup | 2.00% | |
| Cash Advance Charge | 2.50% with a minimum of ₹500 | |
Questions? Suggestions? See a mistake? Write to us!
Our analysis of 100s of flights shows that miles from international airlines are worth much less in India that they are globally, between 16-54% less. Their value in India is between ₹0.50/mile for the Etihad to ₹0.80/mile for BA & SQ.
2 Free Movie / Stream / Play / Events / Sports / Activities tickets up to ₹250 each and ₹100 off on F&B Spends on BookMyShow tickets.
8 reward points / ₹400 on bill payments & education and 1 point on all other spends. Fuel surcharge waiver of up to ₹100 per month.
