Dynamic currency conversion Markup Fee: With effect from 20th 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.
Regalia First
HDFC Bank
Annual fee
₹1,000
free if you spend ₹1,00,000
Spending abroad
2% markup
Earns more
1Airport lounge access
Check HDFC Bank's current card page
Points
Make the most of this card
Keep the rewards you earn
A maximum of 25,000 reward points can be earned in a calendar month.
More rules and steps
Reward points earned on Grocery transactions will be capped to 2,000 per month.
Lifestyle Benefits Fuel surcharge waiver: 1% fuel surcharge waiver at all fuel stations across India (on minimum transaction of ₹400 and maximum transaction of ₹5000. Max CashBack of ₹500 per statement cycle). Click here for more details.
Benefits
4Conditions apply — read the clause.
Conditions apply — read the clause.
Earns, up to a limit
3The normal rate, until a ceiling in the terms.
capped at 2000 Reward Points per calendar month
capped at 2000 Reward Points per calendar month
Earns nothing
7Spend here and the terms say you earn no rewards.
Terms disagree
1Two clauses say different things. We are not guessing which one applies.
Dated changes
2Dates the terms name for something changing.
Dynamic currency conversion currency conversion Markup Fee: With effect from 15th May 2026, a Markup fee of 1.75% will be levied
Every line above is read from HDFC Bank's own published documents. Tap a line to see the clause. Before a large payment, check the linked document yourself.