HDFC Bank Business Regalia Credit Card

Charge

• Cash advance fee: 2.5% or ₹500 whichever is higher.
• Finance charge (revolving credit & cash advances): 3.75% per month (45% p.a.).
• Late payment charges (w.e.f 1st August 2024): Nil up to ₹100.
• ₹100 (₹101-500).
• ₹500 (₹501-1,000).
• ₹600 (₹1,001-5,000).
• ₹750 (₹5,001-10,000).
• ₹900 (₹10,001-25,000).
• ₹1,100 (₹25,001-50,000).
• ₹1,300 (above ₹50,000).
• Overlimit charge: 2.5% of overlimit amount subject to minimum ₹550.
• Payment Return Charges: 2% of payment amount subject to minimum ₹450.
• Cash Processing Fee: ₹100.
• Rewards Redemption Fee: ₹99 per request.
• Cashback Redemption Charges: ₹50.
• Balance Transfer Processing Charges: 1% of BT amount or ₹250 whichever higher.
• Duplicate physical statement: ₹10.
• Reissue of Lost/Stolen/Damaged Card: ₹199 (non-metal).
• Add-on Card Fee: Lifetime Free.
• Dynamic Currency Conversion Markup Fee: 1.75% (w.e.f 15th May 2026).
• Rent Pay: 1% fee, capped ₹4999/txn (w.e.f 1st July 2025).
• Fuel charges: 1% on business card fuel transactions exceeding ₹30,000, capped ₹4999/txn.
• Utility charges: 1% on business card utility spends exceeding ₹75,000/month, capped ₹4999/month.
• Education charges: 1% on education via third-party apps, capped ₹4999/txn.
• Online Skill-based Gaming: 1% on spends exceeding ₹10,000/month (w.e.f 1st July 2025).
• Wallet Loading (excl PayZapp): 1% on spends exceeding ₹10,000/month (w.e.f 1st July 2025).
• Railway Ticket Purchase Fee: 1% + GST.
• Card Validation charges: ₹2.

Verified · HDFC Bank Credit Cards – MITC (Most Important Terms & Conditions) – Consolidated, covers Business Regalia · 2026-08-02 · source

Fuel surcharge waiver

• 1% fuel surcharge waiver on minimum transaction of ₹400 and maximum transaction of ₹5,000.
• Maximum waiver of ₹500 per statement cycle (GST on fuel surcharge not reversed).

Verified · HDFC Bank Credit Cards – MITC (Most Important Terms & Conditions) – Consolidated, covers Business Regalia · 2026-08-02 · source

Milestone benefit

Earn 10,000 bonus Reward Points on annual retail spends of ₹5 Lakh and an additional 5,000 Reward Points on annual retail spends of ₹8 Lakh in the same anniversary year.

Verified · Business Regalia Credit Card product page · 2026-08-02 · source

Reward cap

• Fair Usage Policy: maximum 50,000 reward points per statement cycle for Business Regalia.
• Grocery transactions capped at 2000 Reward Points per month.
• Utility transactions capped at 2000 Reward Points per calendar month.
• Telecom transactions capped at 2000 Reward Points per calendar month.
• Insurance transactions capped at 2000 per month.
• Reward Points redemption for flights & hotels capped at 50,000 per calendar month.
• Cashback redemption capped at 50,000 reward points per calendar month.

Verified · HDFC Bank Credit Cards – MITC (Most Important Terms & Conditions) – Consolidated, covers Business Regalia · 2026-08-02 · source

Reward exclusion

• No Reward Points on: fuel transactions.
• EasyEMI and e-wallet loading.
• Rent payments.
• Online skill-based gaming.
• Retail transactions converted to SmartEMI (accrued points reversed).
• Government related transactions DO earn Reward Points for Business Regalia.
• Education related transactions will not earn Reward Points on Business Regalia.

Verified · HDFC Bank Credit Cards – MITC (Most Important Terms & Conditions) – Consolidated, covers Business Regalia · 2026-08-02 · source

Concierge

• Priority Pass Lounge Charges applicable for Business Regalia: all lounge visits within India using Priority Pass charged at $27 (in INR equivalent) + Taxes per person per visit.
• Guests charged at $27 + Taxes per person per visit.

Verified · HDFC Bank Credit Cards – MITC (Most Important Terms & Conditions) – Consolidated, covers Business Regalia · 2026-08-02 · source