HDFC Bank Business Corporate Regalia

Redemption value

• Rewards Redemption Fee: ₹99 per redemption request.
• Reward Points/CashPoints valid only for 2 years from date of accumulation.
• For flight and hotel bookings on Smartbuy, up to 50% of booking value redeemable via Reward Points for Regalia and business card variants (since 25th Nov 2019).
• Cashback Redemption Charges: ₹50 per cashback redemption (w.e.f 1st August'24).

VerifiedKFS cum MITC – Regalia Family Credit Cards (incl. Business Corporate Regalia)·4 Aug 2026, 6:40 PM IST·HDFC Bank

Reward cap

• Fair Usage Policy (Oct'23): maximum reward points earned in a statement cycle for Business Regalia is 50,000.
• Grocery transactions capped at 2,000 Reward Points per month.
• Utility transactions capped at 2,000 Reward Points per calendar month and Telecom transactions capped at 2,000 Reward Points per calendar month (w.e.f 1st September 2024).
• Insurance transactions capped at 2,000 per day.
• Reward Points redemption for flights & hotels bookings capped at 50,000 reward points per calendar month.

VerifiedKFS cum MITC – Regalia Family Credit Cards (incl. Business Corporate Regalia)·4 Aug 2026, 6:40 PM IST·HDFC Bank

Reward exclusion

• W.e.f 1st Jan 2023, Rent payments do not earn Reward Points on all cards.
• Government related transactions earn Reward Points on Business Regalia (it is in the exception list).
• Education related transactions do not earn Reward Points on Business Regalia.
• EasyEMI and e-wallet loading transactions do not accrue Reward Points.
• Reward Points reversed if a retail transaction is converted into SmartEMI.

VerifiedKFS cum MITC – Regalia Family Credit Cards (incl. Business Corporate Regalia)·4 Aug 2026, 6:40 PM IST·HDFC Bank

Lounge access

• Priority Pass lounge access available (for Regalia / Doctor's Regalia / Regalia Gold / Tata Neu Infinity / Business Regalia / BizPower): all lounge visits within India using Priority Pass charged at USD 27 (in INR equivalent) + taxes per person per visit.
• Visits outside India beyond complimentary cap charged at USD 27.
• All guests charged at USD 27 + taxes per person per visit.

VerifiedKFS cum MITC – Regalia Family Credit Cards (incl. Business Corporate Regalia)·4 Aug 2026, 6:40 PM IST·HDFC Bank

Welcome benefit

Confirm on the official page

Official source not yet captured

Concierge

24-hour dedicated customer care / call centre services available (Call centres: 1800 1600 / 1800 2600 within India / +91 22 6160 6160 from outside India).

VerifiedKFS cum MITC – Regalia Family Credit Cards (incl. Business Corporate Regalia)·4 Aug 2026, 6:40 PM IST·HDFC Bank

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.
• For nominee details and terms and conditions, refer to usage guide.

VerifiedKFS cum MITC – Regalia Family Credit Cards (incl. Business Corporate Regalia)·4 Aug 2026, 6:40 PM IST·HDFC Bank

Forex markup

2% of transaction value on Foreign Currency Transactions (currency conversion rate as on settlement date applicable).

VerifiedKFS cum MITC – Regalia Family Credit Cards (incl. Business Corporate Regalia)·4 Aug 2026, 6:40 PM IST·HDFC Bank

Charge

• Finance charges (revolving credit and cash advances): 3.75% per month (45% per annum) for all other variants incl. Business Regalia, w.e.f 1st August'24 (excluding GST).
• Cash advance fee: 2.5% or ₹500 whichever is higher.
• Charges on overlimit account: 2.5% of overlimit amount, minimum ₹550.
• Payment Return Charges: 2% of payment amount, minimum ₹450.
• Cash Processing Fee: ₹100.
• Late Payment Charges (excl. GST, w.e.f 1st August'24): ₹101-500 = ₹100.
• ₹501-1,000 = ₹500.
• ₹1,001-5,000 = ₹600.
• ₹5,001-10,000 = ₹750.
• ₹10,001-25,000 = ₹900.
• ₹25,001-50,000 = ₹1,100.
• More than ₹50,000 = ₹1,300.
• Reissue of Lost/Stolen/Damaged Card: ₹100.
• Rewards Redemption Fee: ₹99 per redemption request.
• Balance Transfer Processing Charges: 1% of BT amount or ₹250 whichever higher.
• Dynamic currency conversion Markup Fee: 1% (w.e.f 1st January 2023) on transactions in Indian currency at international location or India-based merchant registered overseas.
• Rent Pay Transactions: 1% fee, capped ₹3,000 per transaction (w.e.f 1st August 2024).
• Card Validation charges: ₹2.
• Add-on Card Fee: Lifetime Free.
• Fuel Charges: 1% fee on fuel transactions exceeding ₹30,000 for business cards, capped ₹3,000 per transaction (w.e.f 1st August'24).
• Utility Charges: 1% fee on utility transactions exceeding ₹75,000 for business cards per transaction, capped ₹3,000 (w.e.f 1st August'24).
• Education Charges: 1% fee via third party apps, capped ₹3,000.
• Duplicate physical statement: ₹10.
• V2P SmartHub Vyapar charge: 1% + GST on the transaction amount for Vendor/Utility/GST payments on Business Cards.

VerifiedKFS cum MITC – Regalia Family Credit Cards (incl. Business Corporate Regalia)·4 Aug 2026, 6:40 PM IST·HDFC Bank

Fuel surcharge waiver

• 1% fuel surcharge waiver (Plus GST).
• For Business Regalia waived for transactions between ₹400 and ₹5,000.
• Fuel Surcharge Waiver capped at 1% of eligible fuel transaction amounts.
• GST on fuel surcharge not reversed.

VerifiedKFS cum MITC – Regalia Family Credit Cards (incl. Business Corporate Regalia)·4 Aug 2026, 6:40 PM IST·HDFC Bank

Interest-free period

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

VerifiedKFS cum MITC – Regalia Family Credit Cards (incl. Business Corporate Regalia)·4 Aug 2026, 6:40 PM IST·HDFC Bank

Official terms

https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/indian-oil-hdfc-bank-credit-card/part-i-key-fact-statement-cum-most-important-terms-and-conditions-for-credit-cards.pdf.

VerifiedBusiness Corporate Regalia (fleet document) — governing document (side-door search)·15 Aug 2026, 11:09 AM IST·HDFC Bank