HDFC Bank Business Regalia First

Lounge access

• Priority Pass lounge access (Business Regalia First).
• Lounge visits within India using Priority Pass charged at $27 (INR equivalent) + taxes per person per visit.
• Guest visits charged at $27 + taxes per person per visit.
• Priority Pass lounge charges applicable for Regalia / Regalia Activ / Doctor's Regalia / Regalia Gold / Tata Neu Infinity / Business Regalia / BizPower.

Verified · MITC (Most Important Terms & Conditions) – HDFC Bank Credit Cards (Common) · 2026-08-04 · source

Forex markup

• 3.50% of transaction value (Foreign Currency Transactions).
• FCC changed to 3.5% w.e.f 1st August'24.

Verified · Key Fact Statement cum MITC (Part I) – Regalia First / Business Regalia First · 2026-08-04 · source

Charge

• Finance charge (revolving credit & cash advances): 3.75% per month / 45% per annum.
• Late payment charges (by outstanding balance): 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 (>₹50,000).
• Over Limit charge: 2.5% of overlimit amount, min ₹550 (on explicit consent).
• Payment Return Charges: 2% of payment amount, min ₹450.
• Cash Processing Fee: ₹100.
• Rewards Redemption Fee: ₹99 per request.
• Cashback Redemption Charges: ₹50 per redemption (w.e.f 1st Aug'24).
• Balance Transfer Processing: 1% of BT amount or ₹250 whichever higher.
• Duplicate physical statement: ₹10.
• Reissue of Lost/Stolen/Damaged Card: ₹199 non-metal / ₹3,500 metal.
• Add-on Card Fee: Lifetime Free.
• Dynamic currency conversion markup: 1.75% w.e.f 15th May 2026 (on INR transactions at international location/overseas-registered merchants).
• Rent Pay: 1% of transaction, capped ₹4999 (w.e.f 1st July 2025).
• Fuel charges: 1% on fuel txn exceeding ₹15,000 (consumer)/₹30,000 (business), capped ₹4999.
• Utility charges: 1% exceeding ₹50,000 (consumer)/₹75,000 (business) per month, capped ₹4999.
• Education charges: 1% via third-party apps, capped ₹4999.
• Online Skill-based Gaming: 1% exceeding ₹10,000/month, capped ₹4999 (w.e.f 1st July 2025).
• Wallet Loading (excl PayZapp): 1% exceeding ₹10,000/month, capped ₹4999 (w.e.f 1st July 2025).
• Card Validation charges: ₹2 (all variants except MasterCard).
• Railway Ticket Purchase Fee: 1% + GST.
• GST applicable on all fees, interest, charges.

Verified · MITC (Most Important Terms & Conditions) – HDFC Bank Credit Cards (Common) · 2026-08-04 · source

Interest-free period

• Interest free (grace) period could range from 20 to 50 days, subject to scheme and submission of claims by merchant.
• Not applicable if previous month's balance not cleared in full or if cash withdrawn from ATM.

Verified · MITC (Most Important Terms & Conditions) – HDFC Bank Credit Cards (Common) · 2026-08-04 · 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 (waiver capped at 1% of eligible fuel transaction; GST on fuel surcharge not reversed).

Verified · MITC (Most Important Terms & Conditions) – HDFC Bank Credit Cards (Common) · 2026-08-04 · source

Milestone benefit

Bonus Reward Points on annual spends: 7,500 RP on ₹6 Lakh spends and 5,000 RP on ₹9 Lakh spends (threshold window: anniversary/annual year as stated on official source).

Verified · Business Regalia First product page · 2026-08-04 · source

Reward cap

• Fair Usage Policy: maximum 25,000 reward points can be earned in a statement cycle for Business Regalia First.
• Grocery transactions capped at 1,000 reward points per month.
• Utility transactions capped at 2,000 RP per calendar month.
• Telecom transactions capped at 2,000 RP per calendar month.

Verified · Key Fact Statement cum MITC (Part I) – Regalia First / Business Regalia First · 2026-08-04 · source

Reward exclusion

Verified · Business Regalia First product page · 2026-08-04 · source

Eligibility

• Must be self-employed, aged 21 to 65 years, with ITR of over ₹7,20,000 per year.
• Sourcing of this Credit Card has been stopped.
• Existing customers continue to enjoy benefits.

Verified · Business Regalia First product page · 2026-08-04 · source

cash advance

• Cash advance fee: 2.5% or ₹500 whichever is higher, on amount withdrawn.
• All cash advances carry finance charge equal to revolving credit charges from date of withdrawal until full payment.

Verified · MITC (Most Important Terms & Conditions) – HDFC Bank Credit Cards (Common) · 2026-08-04 · source