Business credit card

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vithanideves...

Hi, Anyone can guide how to get business credit card ? Main purpose is to pay Utility bill to earn something than nothing. Monthly electricity bill is around 4 lakhs

Found that SBI and HDFC have business variants but dont know how to apply for same

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Deal Subedar Deal Subedar
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youll need to share ITR with them , i have 2 Business CC and the benefits are great. always better than using normal consumer cards.

Deal Cadet Deal Cadet
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somebodythatusedtobeondd wrote:

youll need to share ITR with them , i have 2 Business CC and the benefits are great. always better than using normal consumer cards.

what’s the better than normal benefit?

Deal Subedar Deal Subedar
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noobDealer wrote:

what’s the better than normal benefit?

Lounge access if you travel a lot , discounts on multiple different SAAS services for business needs , like Zoho , Microsoft Office , Evernote etc. Great disocunts at fancy restaurants and bars/pubs , corporate cards open a lot of doors.

Deal Cadet Deal Cadet
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somebodythatusedtobeondd wrote:

Lounge access if you travel a lot , discounts on multiple different SAAS services for business needs , like Zoho , Microsoft Office , Evernote etc. Great disocunts at fancy restaurants and bars/pubs , corporate cards open a lot of doors.

Any benefit wrt paying Utility bills?

Deal Cadet Deal Cadet
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I have business regalia. Whats the key difference and advantage from regalia to business regalia. By the way i am not a business person but hdfc gave me business regalia instead of regalia . Dont know what extra benefit i get out of this. Somebody shower some benefits to me

Beacon Beacon
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somebodythatusedtobeondd wrote:

youll need to share ITR with them , i have 2 Business CC and the benefits are great. always better than using normal consumer cards.

Is there any amount criteria for applying

Royal Challengers Bangalore Royal Challengers Bangalore
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desiredreams wrote:

I have business regalia. Whats the key difference and advantage from regalia to business regalia. By the way i am not a business person but hdfc gave me business regalia instead of regalia . Dont know what extra benefit i get out of this. Somebody shower some benefits to me

https://cdn0.desidime.com/attachments/photos/747239/medium/8291809shower_tx1.jpg?1646068248



Features




     Up to 50 days interest free credit period

  • Earn Reward Points for every Rs 150 spent:
    — 4 Reward Points on all spends.
  • 5% Cashback on Telecom, Utility, Govt & Tax Payments.
    (Maximum cashback of Rs.500 per statement on minimum monthly spends of Rs.20,000.)​​​​​​​​​​​​​​
    Terms and Conditions
  • Current
    Account Holders: Get double cashback on all Business essentials such as
    Telecom, Utility, Govt and Tax payments only upto Rs. 1000 per
    statement. Cashback capped at Rs.500 per statement on minimum monthly
    spends of Rs. 20,000 from second year onwards
  • POS Rental
    Reversal: On monthly spend of Rs 30,000 on your credit card and monthly
    volume of Rs 25,000 on POS machine capped at Rs.1000 per month.



Additional Features




  • Utility Bill Payments : Register your Credit
    Card with SmartPay, HDFC Bank’s Utility Bill payment service. You can
    then ensure that all your utility bills are paid on time, conveniently
    and easily.
  • Zero Lost card liability : In the
    infortunate event if you lose your HDFC Bank Business Regalia credit
    card, report it immediately to our 24-hour call centre. After reporting
    the loss, you have a zero liability on any fraudulent transactions made
    on your card.
    Exclusive SmartBuy Business portal for all Business cardholders.
  • Revolving Credit : Enjoy Revolving Credit on your Credit Card at nominal interest rate, refer Fees and Charges section.
    Lowest
    foreign currency mark up of 2% on all your foreign currency
    spends Cover of upto Rs 900,000 is available to primary card holder



https://www.hdfcbank.com/personal/pay/cards/bus...





Deal Cadet Deal Cadet
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PappuPager wrote:

https://cdn0.desidime.com/attachments/photos/747239/medium/8291809shower_tx1.jpg?1646068248



Features




     Up to 50 days interest free credit period


  • Earn Reward Points for every Rs 150 spent:
    — 4 Reward Points on all spends.

  • 5% Cashback on Telecom, Utility, Govt & Tax Payments.
    (Maximum cashback of Rs.500 per statement on minimum monthly spends of Rs.20,000.)​​​​​​​​​​​​​​
    Terms and Conditions

  • Current
    Account Holders: Get double cashback on all Business essentials such as
    Telecom, Utility, Govt and Tax payments only upto Rs. 1000 per
    statement. Cashback capped at Rs.500 per statement on minimum monthly
    spends of Rs. 20,000 from second year onwards
  • POS Rental
    Reversal: On monthly spend of Rs 30,000 on your credit card and monthly
    volume of Rs 25,000 on POS machine capped at Rs.1000 per month.




Additional Features






  • Utility Bill Payments : Register your Credit
    Card with SmartPay, HDFC Bank’s Utility Bill payment service. You can
    then ensure that all your utility bills are paid on time, conveniently
    and easily.


  • Zero Lost card liability : In the
    infortunate event if you lose your HDFC Bank Business Regalia credit
    card, report it immediately to our 24-hour call centre. After reporting
    the loss, you have a zero liability on any fraudulent transactions made
    on your card.
    Exclusive SmartBuy Business portal for all Business cardholders.


  • Revolving Credit : Enjoy Revolving Credit on your Credit Card at nominal interest rate, refer Fees and Charges section.
    Lowest
    foreign currency mark up of 2% on all your foreign currency
    spends Cover of upto Rs 900,000 is available to primary card holder



https://www.hdfcbank.com/personal/pay/cards/bus...





Funny on the shower pic. But thanks for fhe details. This card gives benefits to real business persons a lot. I cant use them much and i feel i can only realise the benefits same as non business regalia card

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