HDFC Bank Premium & Super Premium Credit Card

Lounge access

• Domestic: Infinia, Infinia (Metal Edition), Diners Black, Diners Black Metal, Regalia Activ, Biz Black customers avail lounge access by swiping card at the lounge terminal (₹2 debited and reversed).
• Regalia/Business Regalia customers get domestic lounge access via vouchers on meeting spends criteria.
• Regalia Gold customers can avail lounge access by swiping card on meeting quarterly spends criteria.
• Diners Privilege via vouchers from SmartBuy on quarterly spends.
• International: Infinia/Infinia (Metal Edition) get complimentary Priority Pass membership with unlimited lounge access for priority pass holder.
• Regalia Gold/Regalia/Regalia Activ/Business Regalia get complimentary Priority Pass on request (min 4 transactions).
• Diners Club cardholders use their card to avail lounge access outside India.
• Priority Pass charge of $27 + taxes on visits exceeding complimentary limit.

Verified · MITC – Personal Credit Cards (English), covers all personal card variants including Premium & Super Premium · 2026-08-04 · source

Forex markup

• Foreign currency markup as low as 2% on all foreign currency transactions (Infinia / Infinia Metal Edition: 2%; other Regalia/Diners variants vary, e.g. Regalia/Regalia Gold 2%, Diners Club Rewardz/Miles/Regalia First 3.5%).
• Currency conversion rate as on settlement date applicable.

Verified · Premium & Super Premium Credit Card product page · 2026-08-04 · source

Charge

• Cash advance fee: 2.5% or ₹500 whichever is higher (excluding Infinia/Infinia Metal Edition).
• Finance charge on revolving credit: 1.99% p.m. (23.88% p.a.) for Infinia, Infinia Metal Edition, Diners Black Metal Edition, Diners Black.
• 3.75% p.m. (45% p.a.) for all other variants.
• Over-limit charge: 2.5% of over-limit amount, minimum ₹550.
• Payment Return Charges: 2% of payment amount, minimum ₹450 (capped ₹4999 for Infinia & Infinia Metal).
• Dynamic currency conversion markup fee: 1.75% w.e.f. 15th May 2026 on transactions in Indian currency at international locations or India-based merchants registered overseas.
• Add-on card fee: Lifetime free.
• Reissue of lost/stolen/damaged card: ₹199 non-metal, ₹3,500 metal.
• Cash processing fee: ₹100.
• Balance Transfer processing: 1% of BT amount or ₹250 whichever higher.
• Rent Pay: 1% (capped ₹4999/txn) w.e.f. 1st July 2025.
• Fuel charges: 1% on fuel txns over ₹15,000 consumer cards (capped ₹4999).
• Utility charges: 1% on utility spends over ₹50,000/month consumer (capped ₹4999).
• Education charges: 1% on third-party app education txns (capped ₹4999).
• Online skill-based gaming: 1% over ₹10,000/month (capped ₹4999) w.e.f. 1st July 2025.
• Wallet loading (excl PayZapp): 1% over ₹10,000/month (capped ₹4999) w.e.f. 1st July 2025.
• Late payment charges by slab up to ₹1300 (excluding Infinia/Infinia Metal Edition).

Verified · MITC – Personal Credit Cards (English), covers all personal card variants including Premium & Super Premium · 2026-08-04 · source

Interest-free period

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

Verified · MITC – Personal Credit Cards (English), covers all personal card variants including Premium & Super Premium · 2026-08-04 · source

Fuel surcharge waiver

• Infinia (Metal Edition), Infinia, Diners Black: 1% fuel surcharge waiver on minimum transaction of ₹400, maximum waiver of ₹1000 per statement cycle.
• Diners Black Metal Edition & BizBlack Metal Card: fuel surcharge waiver not applicable.
• Regalia/Diners Club Premium: 1% fuel surcharge waiver on minimum transaction of ₹400 and maximum transaction of ₹5000, maximum waiver of ₹500 per statement cycle.

Verified · MITC – Personal Credit Cards (English), covers all personal card variants including Premium & Super Premium · 2026-08-04 · source

Milestone benefit

• Regalia Gold / Biz Power Credit Card customers can avail domestic lounge access by swiping their credit cards on meeting quarterly spends criteria.
• Diners Privilege customers avail lounge access by downloading vouchers from SmartBuy on meeting quarterly spends criteria (April-June'26 spends considered for availing lounge access from July 1st, 2026).

Verified · MITC – Personal Credit Cards (English), covers all personal card variants including Premium & Super Premium · 2026-08-04 · source

Reward cap

• Fair Usage Policy per statement cycle: Infinia/Infinia Metal max 2,00,000 reward points.
• Diners Black Metal Edition/Diners Black max 75,000.
• Regalia Gold/Regalia/Regalia Activ/Business Regalia/Diners Privilege/Diners ClubMiles/Diners Premium max 50,000.
• Reward points redemption for flights & hotels capped per calendar month: 1,50,000 for Infinia, 75,000 for Diners Black Metal Edition/Diners Black, 50,000 for all other cards (w.e.f. 1st Jan 2023).
• Insurance transactions reward cap (w.e.f. 1st July 2025): 10,000/month Infinia/Infinia Metal, 5,000/month Diners Black Metal Edition/Diners Black, 2000/month others.
• Grocery capped 2000/month for Infinia, Diners Black Metal Edition, Diners Black, Regalia, Regalia Gold etc.

Verified · MITC – Personal Credit Cards (English), covers all personal card variants including Premium & Super Premium · 2026-08-04 · source

Reward exclusion

• EasyEMI and e-wallet loading transactions do not accrue Reward Points.
• Reward Points reversed if a retail transaction converted to SmartEMI.
• Rent payments and Online Skill-Based gaming transactions do not earn Reward Points on all cards.
• Government related transactions do not earn Reward Points (except specified business cards).
• Fuel transactions do not accrue reward points for certain co-brand/cashback cards.
• If card not used for more than 365 days, accrued Reward Points nullified.

Verified · MITC – Personal Credit Cards (English), covers all personal card variants including Premium & Super Premium · 2026-08-04 · source

Concierge

Access to a dedicated concierge service usable for travel bookings, restaurant reservations, arranging special experiences or planning bespoke travel itineraries.

Verified · Premium & Super Premium Credit Card product page · 2026-08-04 · source

Insurance

• Select Credit Card variants have a complimentary insurance cover on the card.
• Policy coverage starts from the date of the Credit Card set up.
• An optional insurance product may be availed to cover liability arising from fraudulent transactions.

Verified · MITC – Personal Credit Cards (English), covers all personal card variants including Premium & Super Premium · 2026-08-04 · source

Official terms

https://www.hdfc.bank.in/credit-cards/premium-and-super-premium-credit-cards.

Verified · Premium & Super Premium Credit Card product page · 2026-08-04 · source