Benefits of HDFC Business Regalia Credit Card

• Robust Reward Points Program:
  • Earn Rate: Earn 4 Reward Points for every ₹150 spent on retail transactions, including business expenses, shopping, dining, and travel (domestic and international).
  • Milestone Bonus Rewards:
    • 10,000 Reward Points on annual spends of ₹5 lakh.
    • Additional 5,000 Reward Points on reaching ₹8 lakh in spends.
  • Redemption Flexibility:
    • Travel Bookings: Redeem via SmartBuy portal (1 RP = up to ₹0.50).
    • Cash Credit: 100 RP = ₹20 credit to card.
    • Products/Vouchers: Redeem on SmartBuy/net banking (1 RP = up to ₹0.35).
    • Air Miles: Convert 1 RP = 0.50 Air Miles via partnered airlines.
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Steps to Apply for HDFC Business Regalia Credit Card

• 1. Online Application:
  • Step 1: Visit HDFC Bank Website
    Go to the official HDFC Bank website (www.hdfcbank.com), navigate to “Credit Cards” under “Personal Banking,” and select the “MoneyBack+ Credit Card.”
  • Step 2: Check Eligibility
    Click “Apply Now” or “Check Eligibility.” Enter your name, mobile number, email, PAN, income, employment type, and city.
  • Step 3: Complete Application Form
    If eligible, fill out details such as date of birth, current and permanent address, employment details, and income.
  • Step 4: Upload Documents
    Upload digital copies of required documents (ID, address proof, income proof, and a recent photograph). Accepted formats include PDF, JPEG, PNG (under 5MB).
  • Step 5: Verify and Submit
    Review all information, provide consent for credit checks, and e-sign if prompted. Submit the application online.
  • Step 6: Application Tracking
    Receive an Application Reference Number via SMS/email to track your application status.
  • Step 7: Verification & Delivery
    The bank may conduct Video KYC, call, or in-person verification. On approval, the card is delivered within 7–10 working days.
  • Alternate Platforms:
    You can also apply via platforms like Groww, Finology, BankBazaar, or Paisabazaar, which follow similar steps and redirect to HDFC's portal.
• 2. Offline Application:
  • Step 1: Visit a Branch
    Use the HDFC Bank branch locator to find the nearest branch and request the MoneyBack+ Credit Card application form.
  • Step 2: Fill and Submit the Form
    Provide personal, address, employment, and income details. Attach self-attested documents and a photograph.
  • Step 3: Document Verification
    The representative may verify originals. Verification may also involve a call, visit, or video KYC.
  • Step 4: Track Application
    Use the provided reference number to check the status through customer care or the bank’s website.
  • Step 5: Card Delivery
    Post-approval, the card will be delivered to your address within 7–10 working days.
• 3. Through Customer Care:
  • Call HDFC Bank’s toll-free number and request to apply for the MoneyBack+ Credit Card.
  • The representative will assist with eligibility checks and guide you through the online or offline application process.
• 4. Pre-approved Offers:
  • If you are a long-time customer of HDFC Bank, check if you have received any pre-approved offers for the MoneyBack+ Credit Card.
  • Pre-approved offers usually have a simplified application process and faster approval times.
• 5. Apply Through HDFC Bank Mobile App:
  • Download and install the HDFC Bank Mobile App from the App Store or Google Play.
  • Log in to your account or register as a new user to start the credit card application process.
  • The mobile app allows you to track your application, upload documents, and check eligibility directly from your phone.
• 6. Check for Special Offers and Discounts:
  • Before applying, look out for any special offers or promotional campaigns that may provide additional benefits like cashback, rewards, or a waived annual fee for new applicants.
• 7. Eligibility Criteria for Specific Profiles:
  • If you are a salaried employee, ensure your monthly salary meets the minimum income requirement (typically ₹20,000+).
  • Self-employed individuals must have a stable income source and provide supporting documents such as income tax returns (ITR) and GST returns.

Documents Required for HDFC Business Regalia Credit Card

• Identity Proof (Any One):
  Mandatory: PAN Card (required for tax and financial tracking).
  Other Acceptable Documents:
  Aadhaar Card
  Passport
  Voter ID
  Driving License
  Government-issued photo ID card
  Context: The identity proof establishes your legal identity and is cross-verified with income documents (e.g., PAN on ITR). Aadhaar is often preferred for its linkage to address and KYC, but masking the first eight digits is recommended for security during submission.
• Address Proof (Any One):
  Aadhaar Card
  Passport
  Utility Bills (electricity, water, gas, or telephone; not older than 3 months)
  Ration Card
  Rental Agreement (registered)
  Voter ID
  Property Tax Receipt
  Bank Statement (with address, issued within the last 3 months)
  Context: The address proof confirms your residential or business address for card delivery and KYC compliance. Utility bills or bank statements should be recent to reflect your current address. Aadhaar is widely accepted but must align with other documents to avoid discrepancies.
• Income Proof (Any One or Combination):
  Primary Requirement: Latest Income Tax Return (ITR) showing an annual income of ₹12 lakh or higher.
  Other Acceptable Documents:
  GST Returns (last 6–12 months)
  Bank Statements (last 3–6 months showing regular income)
  Audited Financial Statements (P&L and Balance Sheet for the last 1–2 years)
  Merchant Payment Reports (POS transaction volumes)
  Form 26AS
  Context: Income proof is critical to demonstrate repayment capacity for the card’s credit limit (typically ₹3–10 lakh). ITR is the primary document, but supplementary proofs like GST returns or bank statements strengthen the application, especially for businesses with high turnover but lower taxable income.
• Business Proof (If Applicable):
  GST Registration Certificate
  Shop and Establishment Certificate
  Business Registration Documents (Partnership Deed, Certificate of Incorporation, etc.)
  Sole Proprietorship Declaration
  Professional License (e.g., medical, legal)
  Udyam Registration Certificate
  Trade License
  Context: Verifies the legitimacy and stability of your business or professional practice. Required for business owners and professionals to establish credibility. Aligns with income documentation like GST returns.
• Photograph:
  One recent passport-sized photograph
  Context: Required mainly for offline applications. For online, photos may be requested during Video KYC if needed.
• Additional Documents for Non-Resident Indians (NRIs):
  Mandatory Documents:
  Valid Passport
  Valid Visa
  Overseas Address Proof (utility bill, rental agreement, etc.)
  Income Proof (Any One or Combination):
  Foreign Bank Statements (last 3–6 months)
  Overseas Tax Returns
  Salary Slips
  Business Financials
  Context: NRIs face stricter documentation. Income proof must demonstrate equivalence to ₹12 lakh ITR in INR. Typically requires branch-based applications.
• Optional but Helpful Documents:
  Existing HDFC Bank Relationship Proof
  POS Transaction Summary
  Loan Repayment History
  Other Credit Card Statements
  Reference Letter from CA or business associate
  Context: These documents can strengthen borderline profiles and expedite approval for existing customers.