HDFC Bank Business Regalia Credit Card
HDFC Bank
Annual / renewal fee
₹2,500 plus applicable taxes (annual membership fee).
VerifiedBusiness Regalia Credit Card product page14 Aug 2026, 8:49 AM ISTHDFC Bank
Earn rate
- Business Regalia: 4 Reward Points for every ₹200 spent (revised from multiples of ₹150 to multiples of ₹200 effective 15th May 2026).
- Reward Points earned on transaction amounts in multiples of ₹200, residual amounts or transactions below ₹200 will not earn Reward Points.
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This is the issuer's own page for this card. We earn nothing from this link.
You'll land on the issuer's official application portal at hdfc.bank.in — if a different card is shown first, use its card selector to pick this one.
This is the issuer's own page for this card. We earn nothing from this link.
You'll land on the issuer's official application portal at hdfc.bank.in — if a different card is shown first, use its card selector to pick this one.
Overview
Business Regalia Credit Card by HDFC Bank. Facts on this page are extracted and verified automatically from official issuer documents.
Fees
Joining fee
₹2,500 (Joining / Annual membership fee).
VerifiedHDFC Bank Credit Cards – MITC (Most Important Terms & Conditions) – Consolidated, covers Business Regalia14 Aug 2026, 8:49 AM ISTHDFC Bank
Annual / renewal fee
₹2,500 plus applicable taxes (annual membership fee).
VerifiedBusiness Regalia Credit Card product page14 Aug 2026, 8:49 AM ISTHDFC Bank
Fee waiver
Annual membership fee / renewal charges waived on minimum spend of ₹3 Lakh per annum (excludes Cash on Call, Balance Transfer, Cash Withdrawal).
VerifiedHDFC Bank Credit Cards – MITC (Most Important Terms & Conditions) – Consolidated, covers Business Regalia14 Aug 2026, 8:49 AM ISTHDFC Bank
Renewal fee
- ₹2,500 plus applicable taxes.
- Waived on annual spends of ₹3 Lakh in the previous year.
VerifiedHDFC Bank Credit Cards – MITC (Most Important Terms & Conditions) – Consolidated, covers Business Regalia14 Aug 2026, 8:49 AM ISTHDFC Bank
Rewards
- Business Regalia: 4 Reward Points for every ₹200 spent (revised from multiples of ₹150 to multiples of ₹200 effective 15th May 2026).
- Reward Points earned on transaction amounts in multiples of ₹200, residual amounts or transactions below ₹200 will not earn Reward Points.
Verifiedharvested from product page2 Aug 2026, 9:45 AM IST
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.
VerifiedHDFC Bank Credit Cards – MITC (Most Important Terms & Conditions) – Consolidated, covers Business Regalia14 Aug 2026, 8:49 AM ISTHDFC Bank
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.
VerifiedHDFC Bank Credit Cards – MITC (Most Important Terms & Conditions) – Consolidated, covers Business Regalia14 Aug 2026, 8:49 AM ISTHDFC Bank
Travel & lounge
Lounge access
- Priority Pass lounge visits within India charged at $27 (in INR equivalent) + Taxes per person per visit.
- Visits outside India beyond complimentary cap charged at $27 + Taxes per person per visit.
- All guests charged at $27 + Taxes per person per visit (for Business Regalia).
VerifiedBusiness Regalia Credit Card (fleet document) — governing document (side-door search)14 Aug 2026, 8:49 AM ISTHDFC Bank
Dining, golf, concierge, insurance, milestones & welcome
Welcome benefit
Confirm on the official page
Official source not yet captured
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.
VerifiedHDFC Bank Credit Cards – MITC (Most Important Terms & Conditions) – Consolidated, covers Business Regalia14 Aug 2026, 8:49 AM ISTHDFC Bank
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.
VerifiedBusiness Regalia Credit Card product page14 Aug 2026, 8:49 AM ISTHDFC Bank
Eligibility
Not published in the official documents on file — see the official T&C link below.
Charges & interest
Forex markup
Foreign currency markup of 3.5% on all foreign currency spends (FCC charges changed to 3.5% w.e.f 1st August'24).
VerifiedBusiness Regalia Credit Card product page14 Aug 2026, 8:49 AM ISTHDFC Bank
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.
VerifiedHDFC Bank Credit Cards – MITC (Most Important Terms & Conditions) – Consolidated, covers Business Regalia14 Aug 2026, 8:49 AM ISTHDFC Bank
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).
VerifiedHDFC Bank Credit Cards – MITC (Most Important Terms & Conditions) – Consolidated, covers Business Regalia14 Aug 2026, 8:49 AM ISTHDFC Bank
Interest-free period
Interest free credit period could range from 20 to 50 days subject to the scheme applicable on the specific Credit Card.
VerifiedBusiness Regalia Credit Card (fleet document) — governing document (side-door search)14 Aug 2026, 8:49 AM ISTHDFC Bank
Transfers
Not published in the official documents on file — see the official T&C link below.
Common questions
What is the annual fee on the Business Regalia Credit Card?
Officially traced: Rs. 2,500 plus applicable taxes (annual membership fee).
Business Regalia Credit Card product pageWhat is the joining fee on the Business Regalia Credit Card?
Officially traced: Rs. 2,500 (Joining / Annual membership fee).
HDFC Bank Credit Cards – MITC (Most Important Terms & Conditions) – Consolidated, covers Business RegaliaIs the Business Regalia Credit Card annual fee ever waived?
Annual membership fee / renewal charges waived on minimum spend of Rs. 3 Lakh per annum (excludes Cash on Call, Balance Transfer, Cash Withdrawal).
HDFC Bank Credit Cards – MITC (Most Important Terms & Conditions) – Consolidated, covers Business RegaliaHow does the Business Regalia Credit Card earn rewards?
Business Regalia: 4 Reward Points for every Rs. 200 spent (revised from multiples of Rs. 150 to multiples of Rs. 200 effective 15th May 2026).
harvested from product pageWhat lounge access does the Business Regalia Credit Card include?
Priority Pass lounge visits within India charged at $27 (in INR equivalent) + Taxes per person per visit; visits outside India beyond complimentary cap charged at $27 + Taxes per person per visit; all guests charged.
Business Regalia Credit Card (fleet document) — governing document (side-door search)What are the transfer ratios for Business Regalia Credit Card points?
Transfer ratios are not shown here as a confident value. Confirm the current ratio in your issuer account before transferring.
What is one point on the Business Regalia Credit Card worth?
Point value varies by award, route and partner programme, so this page does not publish a rupees-per-point figure.
Other verified details
Not published in the official documents on file — see the official T&C link below.
Official documents & verification
Official terms
https://www.hdfc.bank.in/business-credit-cards/business-regalia-credit-card.
VerifiedBusiness Regalia Credit Card product page14 Aug 2026, 8:49 AM ISTHDFC Bank
Verified 2026-08-14 · facts from the official issuer page. Issuers may change fees, earn rates, lounge counts and waivers without notice — always confirm before applying.