My HDFC Business Platinum Credit Card has been recently upgraded to Business Regalia and i’m enjoying host of its benefits already. The credit card comes with a Priority Pass membership card which has to be used to avail complimentary airport lounge access across the world and a shiny few pages catalog. The card looks rich enough to get compliments quite often. 😀
Typically, all the features and benefits are as same as the retail variant of regalia credit card except that the business variant can be availed only by business owners. And a nice feature in HDFC business cards is that you can put your company name below your name as displayed on the picture. I was initially given without the company name but was said i can avail it if required.
One additional advantage of “Business Regalia” credit card is that, it gives extra 2 lounge visits/quarter through Visa Signature program apart from the priority pass membership. That is 8 additional visits/year. I’ve availed one recently and it works pretty good 🙂
Lessons learned during HDFC credit card upgrade, so you can avoid:
- While upgrading from cashback card to points type card, you need to chase the bank to fix the points issue during the migration. Its better not to spend anything during this migration cycle.
- They sent me MasterCard by default. Looks like i should have mentioned VISA in up-gradation form.
Before i went on with the upgrade i was said that the business regalia credit card usually comes with a better credit limit than the retail card which usually is issued at a credit limit of around 2 Lakhs & above. However, i did receive only a lesser limit than i expected.
The major reason for me to own this credit card now is that the Foreign currency markup fee is lower (2%) with decent reward pointing system. Also it serves as a testing platform to try out complimentary airport lounges which is gonna help me a lot in the future. And the final reason is, it makes things easy to upgrade to the next level of card which is Infinia Credit card, the one i love the most for obvious reasons 🙂
CardExpert Rating: 4/5
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