ELIGIBILITY CRITERIA
• Self-employed Indian national aged between 21 to 65 years.
• Annual Income Tax Return (ITR) more than ₹12 lakh per annum.
• Not specified on the official page: specific employment proof, credit score requirements, or other documentation.
• Not specified on the official page: eligibility for salaried professionals.
WELCOME BENEFITS
• Not specified on the official page.
(There are reward/milestone benefits listed, but no separate “welcome bonus” is clearly listed on the official card page.)
CARD REVIEW
The HDFC Bank Business Regalia Credit Card is suited for self-employed professionals and business owners who want to earn solid reward points on everyday business spends and enjoy travel privileges such as lounge access. With a reasonable joining and annual fee that can be waived on meeting spend thresholds, the card offers good value for those with consistent business expenditure. The card’s milestone rewards and contactless payment feature add flexibility and convenience for modern business needs. However, the requirement to achieve high spends for fee waivers and the absence of clear welcome bonuses may make it less appealing for smaller businesses or infrequent spenders. Overall, it balances advantages for active business use with standard cost considerations
