The HDFC Regalia First Visa has a ₹1,000 annual fee (waived on ₹1 lakh annual spend), earns 3 reward points For Every ₹200 and charges a 3.5% forex markup.
| Annual fee | ₹1,000 |
|---|---|
| Joining fee | ₹1,000 |
| Annual fee waived | On ₹1 lakh annual spend |
| Base rewards | 3 reward points For Every ₹200 |
| Forex markup | 3.5% |
From issuer benefit data, checked 22 Oct 2026. Base rewards is the general earn rate; category and partner rates are under Key Benefits.
Key Benefits
Live offers on this card
300 online offers across 174 brands right now, each valid for at least another 7 days. Checked 22 Oct.
- Croma: Rs.12000 Discount · till 31 Oct
- EaseMyTrip: Flat Rs.7500 off · till 31 Oct
- ixigo: Rs.7500 Discount · till 31 Oct
- MakeMyTrip: Rs.7500 Discount · till 31 Oct
- Yatra: Flat Rs.7500 off · till 31 Oct
These are HDFC Bank's own offers and Visa network offers, so they apply to every HDFC Bank Visa card, not just this one. All HDFC Bank offers by category.
More about the HDFC Bank Regalia First Credit Card Visa
Is the HDFC Bank Regalia First Credit Card Visa worth it in 2026?
The HDFC Bank Regalia First Credit Card Visa offers 3 Rewards Points for every Rs.200 spent on insurance, utilities, and education, making it valuable for regular spenders in these categories. With a joining and renewal fee of Rs.1000 each, the renewal fee can be waived by spending Rs.1 Lakh annually, enhancing its worth for active users.
Who should get the HDFC Bank Regalia First Credit Card Visa?
This card is ideal for individuals who spend significantly on insurance, utilities, and education, as it offers 3 Rewards Points per Rs.200 in these categories. It's best suited for users who can meet the Rs.1 Lakh annual spend to waive the renewal fee and benefit from milestone rewards.
How to maximise rewards on the HDFC Bank Regalia First Credit Card Visa?
To maximise rewards, focus your spending on insurance, utilities, and education to earn 3 Rewards Points for every Rs.200. Additionally, aim to spend Rs.6 Lakhs to earn 7,500 bonus points and Rs.9 Lakhs per anniversary year to get 5,000 extra bonus points.
What purchases give the best value on the HDFC Bank Regalia First Credit Card Visa?
Purchases related to insurance, utilities, and education provide the best value, earning 3 Rewards Points for every Rs.200 spent. Regular spending in these categories helps accumulate points faster and unlock milestone bonuses.