HDFC Bank Business Regalia First
HDFC Bank
Annual / renewal fee
₹1,000.
VerifiedKey Fact Statement cum MITC (Part I) – Regalia First / Business Regalia First18 Aug 2026, 7:19 AM ISTHDFC Bank
Earn rate
- 4 Reward Points per ₹150 spent (3 RP per ₹150 from Sep 1, 2024).
- Reward Points earned in multiples of ₹200 (residual/below ₹200 not earned).
VerifiedBusiness Regalia First product page4 Aug 2026, 2:10 PM ISTHDFC Bank
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 First by HDFC Bank. Facts on this page are extracted and verified automatically from official issuer documents.
Fees
Joining fee
₹1,000.
VerifiedKey Fact Statement cum MITC (Part I) – Regalia First / Business Regalia First18 Aug 2026, 7:19 AM ISTHDFC Bank
Annual / renewal fee
₹1,000.
VerifiedKey Fact Statement cum MITC (Part I) – Regalia First / Business Regalia First18 Aug 2026, 7:19 AM ISTHDFC Bank
Fee waiver
Renewal / annual membership fee waived on minimum spend of ₹1 Lakh per annum (excludes Cash on Call, Balance Transfer, Cash Withdrawal).
VerifiedBusiness Regalia First product page4 Aug 2026, 2:10 PM ISTHDFC Bank
Renewal fee
₹1,000.
VerifiedBusiness Regalia First (fleet document) — governing document (side-door search)18 Aug 2026, 7:19 AM ISTHDFC Bank
Rewards
- 4 Reward Points per ₹150 spent (3 RP per ₹150 from Sep 1, 2024).
- Reward Points earned in multiples of ₹200 (residual/below ₹200 not earned).
VerifiedBusiness Regalia First product page4 Aug 2026, 2:10 PM IST
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.
VerifiedKey Fact Statement cum MITC (Part I) – Regalia First / Business Regalia First18 Aug 2026, 7:19 AM ISTHDFC Bank
Reward exclusion
VerifiedBusiness Regalia First product page4 Aug 2026, 2:10 PM ISTHDFC Bank
Travel & lounge
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.
VerifiedMITC (Most Important Terms & Conditions) – HDFC Bank Credit Cards (Common)18 Aug 2026, 7:19 AM ISTHDFC Bank
Dining, golf, concierge, insurance, milestones & welcome
Welcome benefit
Confirm on the official page
Official source not yet captured
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).
VerifiedBusiness Regalia First product page4 Aug 2026, 2:10 PM ISTHDFC Bank
Eligibility
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.
VerifiedBusiness Regalia First product page4 Aug 2026, 2:10 PM ISTHDFC Bank
Charges & interest
Forex markup
- 3.50% of transaction value (Foreign Currency Transactions).
- FCC changed to 3.5% w.e.f 1st August'24.
VerifiedKey Fact Statement cum MITC (Part I) – Regalia First / Business Regalia First18 Aug 2026, 7:19 AM ISTHDFC Bank
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.
VerifiedMITC (Most Important Terms & Conditions) – HDFC Bank Credit Cards (Common)4 Aug 2026, 2:10 PM 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 (waiver capped at 1% of eligible fuel transaction; GST on fuel surcharge not reversed).
VerifiedMITC (Most Important Terms & Conditions) – HDFC Bank Credit Cards (Common)18 Aug 2026, 7:19 AM ISTHDFC Bank
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.
VerifiedMITC (Most Important Terms & Conditions) – HDFC Bank Credit Cards (Common)18 Aug 2026, 7:19 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 First?
Officially traced: Rs. 1,000.
Key Fact Statement cum MITC (Part I) – Regalia First / Business Regalia FirstWhat is the joining fee on the Business Regalia First?
Officially traced: Rs. 1,000.
Key Fact Statement cum MITC (Part I) – Regalia First / Business Regalia FirstIs the Business Regalia First annual fee ever waived?
Renewal / annual membership fee waived on minimum spend of Rs. 1 Lakh per annum (excludes Cash on Call, Balance Transfer, Cash Withdrawal).
Business Regalia First product pageHow does the Business Regalia First earn rewards?
4 Reward Points per Rs. 150 spent (3 RP per Rs.150 from Sep 1, 2024).
Business Regalia First product pageWhat lounge access does the Business Regalia First include?
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.
MITC (Most Important Terms & Conditions) – HDFC Bank Credit Cards (Common)What are the transfer ratios for Business Regalia First 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 First worth?
Point value varies by award, route and partner programme, so this page does not publish a rupees-per-point figure.
Other verified details
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.
VerifiedMITC (Most Important Terms & Conditions) – HDFC Bank Credit Cards (Common)18 Aug 2026, 7:19 AM ISTHDFC Bank
Official documents & verification
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 Regalia First (fleet document) — governing document (side-door search)15 Aug 2026, 11:09 AM ISTHDFC Bank
Verified 2026-08-18 · facts from the official issuer page. Issuers may change fees, earn rates, lounge counts and waivers without notice — always confirm before applying.