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HDFC Millennia vs HDFC Regalia Gold Credit Card

HDFC Millennia vs HDFC Regalia Gold Credit Card

Last Updated : March 13, 2025, 11:54 a.m.

HDFC Bank offers a range of credit cards with multiple benefits across different categories like travel, shopping, entertainment, rewards, etc. These credit cards cater to a variety of requirements. So choosing a card according to your spending patterns and one that aligns with your lifestyle is important for maximizing the advantages. Here, we have compared the features of two popular HDFC credit cards - The HDFC Millennia credit card and the HDFC Regalia Gold Credit Card . Reading through will help you make a well-informed decision.

HDFC Millennia Credit Card Vs HDFC Regalia Gold Credit Card - Comparison

ParameterHDFC Millennia Credit CardHDFC Regalia Gold Credit Card

Best suited for

  • Cashback, online shopping
  • Travel, rewards

Joining/renewal fee

  • Rs. 1000 plus GST
  • Rs. 2500 plus GST

Annual fee waiver

  • Get a renewal membership fee waiver on spends of Rs. 1 lakh or more in the previous 12 months

  • Get a renewal fee waiver on spending Rs. 4 lakhs in the previous anniversary year (12 billing cycles)

Welcome benefit

  • Get 1000 cashpoints as a welcome benefit
  • Get a gift voucher equal to the fee amount.
  • Get a complimentary Swiggy One and MMT Black Gold membership on spending Rs. 1 lakh and above within 90 days of issuing the card.

Reward points on popular e-commerce websites

  • Get a cashback of 5% on popular e-commerce websites such as Amazon, Cult.fit, Sony Liv, Tata Cliq, Zomato, Uber, Myntra, Swiggy, Flipkart, and BookMyShow.
  • This credit card offers 20 reward points per Rs. 150 spent on Myntra, Nykaa, Reliance Digital, and Marks and Spencers.

Other spends

  • 1% cashback on eligible online and offline spends.
  • Earn 4 reward points per retail spend of Rs. 150, which is a base reward rate of 1.33% approximately.

Reward capping

  • There is an upper limit of 1000 reward points on both the categories - 5% and 1%
  • There is an upper limit of 5000 reward points per month in the category of 5x reward points. But, there is no limit on the base reward points.

Reward points redemption

  • Cashpoints can be redeemed @ 1 cashpoint = INR 1 against the statement balance.
  • Cashpoints can also be redeemed for travel and product purchases @ 1 cashpoint = INR 0.30
  • Cashpoints will expire after two years.

Reward points can be redeemed on Smartbuy or Netbanking. They can be redeemed for:

  • Exclusive Gold catalogue on select premium brands through Smartbuy @ 1 RP = Rs. 0.65
  • Flights and hotel bookings via Smartbuy @ 1 RP = Rs. 0.5
  • Airmiles conversion through netbanking or SmartBuy @ 1 RP = Up to 0.5 airmiles.
  • Products and vouchers via netbanking or SmartBuy @ 1 RP = Up to Rs. 0.35.
  • Reward points can be redeemed @ 1 RP = Rs. 0.20 against the statement balance.

Lounge access

  • No airport lounge access
  • 12 complimentary lounge access within India (Both at domestic and international terminals).
  • 6 complimentary lounge access per year, outside India using the priority pass membership (A charge of US $27 + GST per visit on exceeding the number of complimentary visits).

Insurance

  • NA
  • Accidental death cover worth Rs. 1 crore. Emergency overseas hospitalization: Up to Rs. 15 lakhs.
  • Credit liability cover: Up to Rs. 9 lakhs

Foreign currency

  • 3.5%
  • 2%

Milestone benefits

  • Get gift vouchers worth Rs. 1000 or a Dreamfolks airport lounge access voucher on reaching milestone spends of Rs. 100,000 and above in each calendar quarter.
  • Get vouchers worth Rs. 1500 from Marriott, Marks and Spencer, Myntra, or Reliance Digital on reaching milestone spends of Rs. 1.5 lakhs in every calendar quarter.
  • Get flight vouchers worth Rs. 5000 on reaching spends of Rs. 5 lakhs in an anniversary year.
  • Get additional flight vouchers worth Rs. 5000 on reaching milestone spends of Rs. 7.5 lakhs in an anniversary year.

Dining benefits

  • Enjoy exclusive dining privileges under the Good Food Trail program.
  • Get a discount of 20% on restaurant bill payments across 20k plus restaurants via Swiggy Dineout (Offer includes restaurant and Swiggy discounts).

Enjoy exclusive dining benefits with the Good Food Trail program as follows:

  • Get up to 7.5% savings on all your restaurant bill payments across 20k plus restaurants via Swiggy Dineout (Includes restaurant and Swiggy discounts).

Additional benefits

  • Zero lost card liability.
  • Interest free credit period of up to 50 days.
  • Revolving credit is available at a nominal interest rate.
  • Convert your big spends into EMIs after purchases.
  • Contactless payments
  • Zero lost card liability.
  • Revolving credit is available at a nominal interest rate.
  • Contactless payments.
  • Enjoy exclusive 24/7 concierge services.

Which Card to Choose?

Determining which card to choose between HDFC Millennia credit card and HDFC Regalia Gold credit card boils down ultimately to your needs and situations. If you want a simple and budget-friendly card with savings on purchases from HDFC partners, then Millennia is a good card to go in for. But, if you are into traveling, Regalia offers more perks like lounge access and insurance, especially for international trips. Think about your spending habits and plans for the future. If you’re going to spend big on things like gadgets, weddings, or education, and your annual spend is more than Rs. 5 lakhs, Regalia might be a better fit for you. Before you apply for a credit card, do a free CIBIL score check online on Wishfin to ensure that your credit score is in accordance with the standards set by the credit card issuer.

Frequently Asked Questions (FAQs)

Does the HDFC Regalia offer +1 on lounge access?

Are both the HDFC Regalia Gold and HDFC Millennia premium credit cards?

How can I avail the complimentary memberships for the HDFC Regalia Gold?

What happens if I do not meet the spend requirements for the milestone benefits offered by the HDFC Regalia Gold credit card?

What is the limit for HDFC Regalia Gold Credit Card?

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