# HDFC Bank Regalia First Credit Card Visa

**Best for:** Frequent spenders seeking reward points

**Think twice if:** Low spenders or infrequent users

**Key strengths:** Earn 4 Reward Points on every Rs.150 · Welcome benefit of 1000 Reward Points · Milestone rewards for high spending

## Fees

- **Joining Fee:** Joining Fee of Rs.1000
- **Annual Fee:** Renewal Fee of Rs.1000
- **Fee Waiver:** Spend Rs.1 Lakh For Renewal Fee Waiver
- **Forex Markup:** 3.50% - Foreign Currency Transactions

## Rewards

- **Top Reward Rate:** Earn 4 Rewards Points For Every Rs.150 on Insurance
- **Welcome Benefit:** Welcome Benefit - Rs.1000 Reward Points
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- **Milestone Benefits:** Array

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