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Side-by-Side Comparison|Updated March 2026

HDFC Bank Millennia Credit Card vs HDFC Bank Regalia Gold

Detailed comparison of fees, rewards, benefits, and value to help you choose the right credit card for your spending pattern.

HDFC Bank

HDFC Bank Millennia Credit Card

8.5/10
Annual Fee₹1,000
Base Rewards1%
NetworkVisa
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HDFC Bank

HDFC Bank Regalia Gold

8.5/10
Annual Fee₹2,500
Base Rewards0.5333333333333334%
NetworkVisa
View Full Details

Feature-by-Feature Comparison

FeatureHDFC Bank Millennia Credit CardHDFC Bank Regalia Gold
Annual Fee₹1,000₹2,500
Joining Fee₹1,000₹2,500
Fee Waiver Spend₹1,00,000₹4,00,000
Base Reward Rate1%0.5333333333333334%
Reward CurrencyCashPointsReward Points
NetworkVisaVisa
Editor Rating8.5/108.5/10
Forex Markup3.5%3.5%

Accelerated Rewards

HDFC Bank Millennia Credit Card

  • 0% on Special Rate

HDFC Bank Regalia Gold

  • 0% on Lifestyle Brands
  • 0% on SmartBuy Hotels
  • 0% on SmartBuy Flights

Pros & Cons

HDFC Bank Millennia Credit Card

Pros

  • 5% cashback on 10 major online merchants including Amazon, Flipkart, and Swiggy
  • 1:1 redemption ratio for CashPoints against statement credit
  • Achievable annual fee waiver at ₹1 Lakh annual spend
  • 1,000 CashPoints welcome benefit effectively offsets the joining fee

Cons

  • Monthly cashback capped at ₹1,000 for the 5% category
  • Lounge access is now spend-based (₹1 Lakh per quarter)
  • Excludes rent, fuel, and government transactions from rewards

HDFC Bank Regalia Gold

Pros

  • High reward rate of up to 13.3% on select lifestyle brands like Myntra and Nykaa.
  • Comprehensive lounge access with 12 domestic and 6 international visits annually.
  • Generous milestone benefits including up to ₹10,000 in flight vouchers per year.
  • Low foreign currency markup of 2% compared to the standard 3.5%.

Cons

  • Reward points expire after 2 years, requiring active management.
  • Base reward rate is relatively modest at 1.33% for general spends.
  • No reward points on fuel, rent, and wallet loads.

Our Verdict

Both HDFC Bank Millennia Credit Card and HDFC Bank Regalia Gold are strong options. Your choice should depend on your spending pattern and which card's rewards align better with your lifestyle.

Choose HDFC Bank Millennia Credit Card if

High 5% cashback on popular platforms like Amazon, Flipkart, and Zomato.

Choose HDFC Bank Regalia Gold if

Offers extensive lounge access and high-value flight vouchers through milestones.

Frequently Asked Questions

Which is better: HDFC Bank Millennia Credit Card or HDFC Bank Regalia Gold?
Both HDFC Bank Millennia Credit Card and HDFC Bank Regalia Gold are strong options. Your choice should depend on your spending pattern and which card's rewards align better with your lifestyle.
What is the annual fee difference between HDFC Bank Millennia Credit Card and HDFC Bank Regalia Gold?
HDFC Bank Millennia Credit Card has an annual fee of ₹1,000, while HDFC Bank Regalia Gold has an annual fee of ₹2,500. HDFC Bank Millennia Credit Card offers a fee waiver on ₹1,00,000 annual spend. HDFC Bank Regalia Gold offers a fee waiver on ₹4,00,000 annual spend.
Which card has better rewards: HDFC Bank Millennia Credit Card or HDFC Bank Regalia Gold?
HDFC Bank Millennia Credit Card offers a base reward rate of 1% with accelerated rewards on Special Rate. HDFC Bank Regalia Gold offers 0.5333333333333334% base rewards with bonuses on Lifestyle Brands and SmartBuy Hotels. The better choice depends on your primary spending categories.
Can I have both HDFC Bank Millennia Credit Card and HDFC Bank Regalia Gold?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. HDFC Bank Millennia Credit Card and HDFC Bank Regalia Gold can complement each other if they cover different reward categories.
Which card is better for beginners: HDFC Bank Millennia Credit Card or HDFC Bank Regalia Gold?
For beginners, HDFC Bank Millennia Credit Card may be more approachable with a lower annual fee of ₹1,000. However, evaluate based on your expected spending pattern rather than fee alone.

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