HDFC Bank Business Regalia First

Joining fee

₹1,000 + GST

Renewal fee

₹1,000 + GST

Fee waiver rule

Renewal fee waived on spending ₹1 lakh or more within a year before renewal date

Add-on card fee

₹0

Rent earning

Rent payments will not earn Reward Points.

Reward exclusions

Online Skill - Based gaming transactions will not earn Reward Points.

Reward caps

25,000 reward points in a statement cycle.

Statement-credit redemption

10 paise per point for cashback redemption against the statement balance.

Point expiry

Reward Points /CashPoints are valid only for 2 years

Milestone benefits

10,000 Reward Points when you achieve spends of ₹6,00,000 in anniversary year and additional 5,000 Reward Points when you achieve ₹9,00,000

Fuel surcharge waiver

Convenience fee waiver of 1% on all fuel transactions between ₹400 to ₹5,000 (Maximum waiver of ₹500 per statement cycle)

Surcharge on railway tickets

1% of the transaction amount + GST on Railway Ticket Purchases (refer IRCTC website for detailed fee structure); applicable for all cards other than IRCTC

Lost card liability

The cardmember is wholly liable for all transactions prior to reporting the loss of the card; after the bank receives proper notification of the loss, the cardmember's subsequent liability is zero.

Balance transfer terms

Balance Transfer Processing Charges: 1%.

Forex markup

3.5% on foreign currency transactions.3.50% of the transaction value

Dynamic currency conversion markup

With effect from 15th May 2026, a Markup fee of 1 .75 % will be levied on all transactions carried out in Indian Currency at an international location or at merchants which are located in India but registered overseas

Cash advance fee

2.5% or ₹500 whichever is higher.

Cash advance interest

3.75% Monthly

Cash withdrawal limit

Cash withdrawal limit: 40% of the Credit Limit.

Interest on unpaid balance

Finance charges of 3.75% monthly, 45.0% annually (all other variants)

Interest-free period

20 to 50 days interest-free when you pay in full.

Late payment fee

Nil for outstanding balance less than equal to ₹100; ₹100 for ₹101 to ₹500; ₹500 for ₹501 to ₹1,000; ₹600 for ₹1,001 to ₹5,000; ₹750 for ₹5,001 to ₹10,000; ₹900 for ₹10,001 to ₹25,000; ₹1100 for ₹25,001 to ₹50,000; ₹1300 for more than ₹50,000.

Over-limit fee

Over-limit charge of 2.5% of the overlimit amount, subject to a minimum of ₹550, applicable on total outstanding exceeding the credit limit, basis explicit consent

Payment return or dishonour fee

2% of Payment amount subject to minimum of ₹450 (applicable for cheque payment return or unsuccessful payment attempt through Autopay facility)

Statement or duplicate statement fee

Duplicate physical statement charges: ₹10 per duplicate physical statement.

Card replacement fee

Reissue of Lost, Stolen or Damaged Card: ₹199 for non-metal cards; ₹3,500 for metal cards.

Cash payment / cash deposit fee

₹100 (for all card payments made by depositing in HDFC Bank branches or ATMs)

Education / school fee charge

1% fee on education transactions done through third party applications like (but not limited to) CRED, Nobroker, Cheq etc., capped at ₹4999 per transaction; education transactions done directly through college / school websites or through POS machines at their premises, and international education transactions, will not be charged.

EMI conversion fee

Smart EMI processing fee: upto ₹849 (exclusive of GST for all loan amounts)

Fee on online skill-based gaming spends

From 1st July 2025, 1% fee on online skill-based gaming spends exceeding ₹10,000 in a calendar month; fee applied on the total online skill-based gaming spends in the calendar month; fee capped at ₹4999 per month

Foreign ATM fee

Cash from ATMs in India or abroad: transaction fee of 2.5% or ₹500, whichever is higher, levied on the amount withdrawn and billed in the next statement.

Reward redemption fee

₹99 + GST per catalogue redemption request

Wallet load charge

From 1st July 2025, 1% fee on wallet loading spends (excl PayZapp) exceeding ₹10,000 in a calendar month; fee applied on the total wallet loading spends in the calendar month; fee capped at ₹4999 per month

Fuel transaction fee

1% fee on fuel transactions exceeding ₹30,000 for business cards, capped at ₹4999 per transaction.

Rent transaction fee

1% fee on transaction amount will be levied on rental transactions done on any applicable merchant for the month. Fee capped at ₹4999 per transaction.

Utility transaction fee

1% fee on utility spends exceeding ₹75,000 per calendar month for business cards, capped at ₹4999 per month.

GST note

GST is applicable on all Fees, Interest, and other Charges

Minimum amount due

MAD (WEF June’25) = Total GST + EMI amount + 100% of Fees/Charges + Overlimit Amount (if any) + 5% of (Finance Charge + Retail Spends + Cash Advance) when that 5% is higher than the Finance Charge; otherwise 100% of Finance Charges + 5% of (Retail Spends + Cash Advance)