The top benefits of having a business Credit Card:

• Increases your available credit options
• Helps build a credible credit history for your business
• Maintaining a tab on business expenditure and transactions become easy
• Comes with an assortment of perks, rewards, CashBack, loyalty points, and additional benefits on essential business expenses like electricity, telephone and internet bills, govt taxes, advertisement costs, bulk purchases and more
• Relaxed interest-free credit period
• Assured savings on business and personal spends
• Higher discounts and additional value-added benefits for HDFC Bank Current Account and Merchant Customers

You can use your business Credit Card on the following:

• Travel and entertainment expenses
• Insurance, rent, utility, fuel, telephone, internet and electricity bills
• Government taxes
• Office supplies and maintenance expenses
• Vendor payment management
• Professional costs and digital marketing expenses
• Software license fee
• Other miscellaneous spends

In addition to the redeemable Rewards Points that you will earn on every ₹150 spent, get 5% CashBack every month on spends like electricity, telephone, mobile, internet bills, Govt/tax payments. HDFC Bank Current Account holders can enjoy double CashBack benefit*.

Also, by automating all your recurring spends on HDFC Bank Smart Pay, using your business credit card, you can get additional benefit of upto ₹2600 in the first year.

Get started with three simple steps

• Log in to HDFC Bank Netbanking >BillPay & Recharge > Add Biller > Enter new biller details
• Select Standing Instruction and the Credit Card Option
• Enter Business Credit Card details (expiry date in MM/YYYY format) click confirm to set the standing instruction

Click on the SPAY link (https://v1.hdfcbank.com/htdocs/common/2021/August/smartpay/index.html) for more details.

While it is always advised to use your Business Credit Card only for business spends and expenses, you can consolidate all your business and personal spending on your HDFC BANK Business Credit Card and get savings up to 20% annually. Savings, however, depends on your card variant and usage behaviour.

You can check our savings calculator to get a monthly, and annual savings estimate on your spending.

As a Merchant customer of HDFC Bank, you get additional benefits on your Business Credit Card. You can save on your HDFC Bank POS rental (capped at ₹1000 a month) by making a monthly spend of ₹30,000 and accepting a monthly POS volume of ₹25,000. The rental waiver will be passed as a CashBack to our Business Credit Card account*.

• HDFC Bank Business Moneyback Credit card can give you savings upto 15% on annual spends of 3L.
• Upto 50 days interest free credit period
• ₹2000 worth voucher on cumulative spends of ₹50,000 in first 3 months as welcome offer. This offer is applicable for your first 3 months including the card open month.
• SAVE upto 5% on spends like utility bills, electricity, telephone, govt & tax payments (capped at ₹250 on monthly bill statement of ₹10000). Additionally if you have a current account with our bank, and spend on your business credit card, you can get double cashback on these spends every month (capped at ₹500)
• Additionally earn 4 Reward Points for online purchases and 2 Reward Points for all other purchases (except fuel) for every ₹150. You can Redeem RP against the outstanding amount as Cashback. You get ₹20 CB for 100 RP.
• Upto 1% fuel surcharge benefit every month (capped at ₹250)
• 20% Discount on Dining Bills on paying through Dineout Pay + Dineout Passport Membership worth 1,499 for 3 months.
• Be Cash ready always with 24x7 fund access cash withdrawal for emergency and pre approved loans with immediate disbursal , with a minimal charge
• Shop on HDFC Bank Smartbuy platform and earn rewards on bulk puchases and travel bookings (upto 5% savings). Also redeem earned points on SmartBuy Portal to book your tickets & stay
• Enjoy 2500 bonus Reward points on spends of ₹1,80,000 every anniversary year as a milestone benefit
• Exclusive Merchant Offer - If you are a HDFC Bank Merchant customer, you can get your HDFC Bank POS machine rent waived every month (upto ₹ 1000) by making monthly ₹ 30000 spends on your Business Moneyback card and accepting volumes on you POS machine worth ₹10,000 (if you have HDFC MPOS) or ₹25,000 (for HDFC GPRS POS)
• Convert your bulk and high value purchases with Easy EMI option - Exclusive Cashback & No Cost EMI options from top brands, bulk purchase options & business accounting benefits. Spend ₹10,000 or more on EasyEMI in first 90 days and get Voucher worth ₹1,000

• HDFC Bank Business Regalia Credit card which will give you savings upto 25% on annual spends of 8 Lakhs
• Upto 50 days interest free credit period
• ₹3000 worth voucher on cumulative spends of ₹1,00,000 in first 3 months as welcome offer. This offer is applicable for your first 3 months including the card open month.
• SAVE upto 5% on spends like utility bills, electricity, telephone, govt & tax payments (capped at ₹500 on monthly bill statement of ₹20000). Additionally if you have a current account with our bank, and spend on your business credit card, you can get double cashback on these spends every month (capped at ₹1000)
• Additionally earn 4 Reward Points for all purchases (except fuel) for every ₹150.
• Upyo 1% fuel surcharge benefit every month (capped at ₹250)
• 25% Discount on Dining Bills on paying through Dineout Pay + Dineout Passport Membership worth 1,499 for 3 months.
• 12 complimentary airport lounge access per calendar year within India and 6 complimentary Priority Pass lounge access per calendar year outside India after making 4 transactions on your Business Regalia card (each txn of ₹150)
• Be Cash ready always with 24x7 fund access cash withdrawal for emergency and pre approved loans with immediate disbursal , with a minimal charge
• Shop on HDFC Bank Smartbuy platform and earn rewards on bulk puchases and travel bookings (upto 5% savings). Also redeem earned points on SmartBuy Portal to book your tickets & stay
• Enjoy 10000 bonus Reward points on spends of ₹5,00,000 every anniversary year or 15000 bonus Reward points on spends of ₹ 8,00,000 every anniversary year as a milestone benefit
• Exclusive Merchant Offer - If you are a HDFC Bank Merchant customer, you can get your HDFC Bank POS machine rent waived every month (upto ₹ 1000) by making monthly ₹ 30000 spends on your Business Moneyback card and accepting volumes on you POS machine worth ₹10,000 (if you have HDFC MPOS) or ₹25,000 (for HDFC GPRS POS)
• Convert your bulk and high value purchases with Easy EMI option - Exclusive Cashback & No Cost EMI options from top brands, bulk purchase options & business accounting benefits. Spend ₹10,000 or more on EasyEMI in first 90 days and get Voucher worth ₹1,000

• Accumulated Reward Points can be redeemed for CashBack (100 Reward Points = ₹20) (min. redemption amount should be ₹2500)
• Reward Points can be also redeemed for exciting gifts and air miles from an exclusive rewards catalogue, at the applicable redemption rate.
• Reward redemption fee of ₹ 99 per request will be applicable on all redemptions.
• Click here for T&C (https://www.hdfcbank.com/personal/pay/cards/credit-cards/business-money-back/terms-and-conditions-reward-point)

• Visit  www.hdfcbankregalia.com, an exclusive portal for HDFC Bank Business Regalia credit cardholders.
• You can choose to redeem your Reward Points instantly against:
      • Airline ticket booking
      • Hotel booking

Each bank has a specific minimum income requirement as eligibility criteria. You will need to have a regular income and provide proof of the same. Income requirement varies depending on the Credit Card you apply for.

Eligibility criteria for HDFC Bank Business Regalia Credit Cards

• A Self Employed Indian Citizen aged between 21 yrs to 65 yrs
• Annual ITR above ₹12 Lakhs
• (Customers can apply credit card usig ITR, GST returns, Bank Statements and Merchant payment report)

Eligibility criteria for HDFC Bank Business Money Credit Cards

• A Self Employed Indian Citizen aged between 21 yrs to 65 yrs
• Annual ITR above ₹6 Lakhs
• (Customers can apply credit card usig ITR, GST returns, Bank Statements and Merchant payment report)

Getting an HDFC Bank Credit Card does not take more than two weeks at the most. After applying, you will have to complete the verification process, which will then confirm the card being sent.

Please note: Credit Card application approval is at the sole discretion of HDFC Bank.

Upgrade your HDFC Bank Credit Card instantly and digitally by clicking here

Or

Log into HDFC Bank NetBanking>>Cards>>Request>>Credit Card Upgrade

Or

Call our 24/7 phone banking number for assistance.

Or

Visit your nearest HDFC Bank branch for details.

Yes, it is possible to increase the credit limit of your existing card if you make a request. This, of course, will depend on various factors, like your credit history, credit score, and income.

You can instantly and digitally enhance your HDFC Bank Credit Card limit by clicking here.

The HDFC Bank MobileBanking application is available for both Android and iPhone users. Just download the app and view your card transactions, pay your bills, change your card PIN and even block your card with just a few clicks.

• Rewards, CashBacks, incentives
• Benefits on business essential spends
• Interest-free credit period
• Loan on card option
• Bulk purchase options
• Insurance cover
• Global acceptance
• Card security
• Expense management tools
• Extensive NetBanking and Mobile Banking services

With an HDFC Bank Credit Card, you can avail of the following online services:

• Online money transfer
• Automate bill payments, including utility bills and other business transactions
• View current and past statements
• Make purchases on HDFC Bank e-commerce portal SmartBuy
• Apply for Loan on Credit Card
• Dial an EMI

If you do not make the minimum payment on your Credit Card, which is 5% of the statement balance by the stipulated date on your bill, you will be subjected to a late payment fee. Frequent late payments may affect your Credit Card rating and force the bank to reassess your creditworthiness, leading to a reduction in your Credit Card limit and a possible increase in interest rate.

Credit Cards can be used to withdraw cash from ATMs. There is a monthly limit on the cash advance one can avail of, which is a percentage of the credit limit.

A Chip+PIN Credit Card provides enhanced security on all domestic and international transactions. It is in line with the best global practices on the security of transactions. A microchip is embedded in your card to make transactions more secure. And when you use a Chip+PIN Credit Card at a POS terminal, the POS machine will prompt you for your PIN to be entered. You are required to enter the Credit Card ATM PIN in the terminal to complete the transaction. These cards are less vulnerable to skimming and virtually impossible to tamper with.

HDFC Bank offers an interest-free credit period of up to 50 days.

Yes, you can check your HDFC Bank Credit Card balance using another mobile number as well. However, while using a non-registered mobile number, you can only call HDFC Bank customer service to check the balance on your card. Other services such as SMS and missed call services cannot be availed from a non-registered mobile number.

Yes, the HDFC Bank MobileBanking app can be used to generate an ATM PIN and also request a new card. You can also deregister your existing card using the mobile app.

While it is always advised to use your Business Credit Card only for business spends and expenses, you can consolidate all your business and personal spending on your HDFC BANK Business Credit Card and get savings up to 20% annually. Savings, however, depends on your card variant and usage behaviour.

You can check our savings calculator to get a monthly, and annual savings estimate on your spending.

As a Merchant customer of HDFC Bank, you get additional benefits on your Business Credit Card. You can save on your HDFC Bank POS rental (capped at ₹1000 a month) by making a monthly spend of ₹30,000 and accepting a monthly POS volume of ₹25,000. The rental waiver will be passed as a CashBack to our Business Credit Card account*.