since 2017 i was using HDFC regalia first card, and my father have good rep. with HDFC bank i got 1.35 L Regalia First card. Then till 2021 i increased limit to 4.80 L. and upgreaded to Regalia Visa. but card was not LTF, but my spend was about 3.5L per year, I haven't paid any Fee (ie 2500 Rs)...