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Side-by-Side Comparison|Updated March 2026

HDFC Bank Regalia vs HDFC Bank Millennia Credit Card

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

HDFC Bank

HDFC Bank Regalia

7.8/10
Annual Fee₹2,500
Base Rewards0.5333333333333334%
NetworkVisa
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HDFC Bank

HDFC Bank Millennia Credit Card

8.5/10
Annual Fee₹1,000
Base Rewards1%
NetworkVisa
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Feature-by-Feature Comparison

FeatureHDFC Bank RegaliaHDFC Bank Millennia Credit Card
Annual Fee₹2,500₹1,000
Joining Fee₹2,500₹1,000
Fee Waiver Spend₹3,00,000₹1,00,000
Base Reward Rate0.5333333333333334%1%
Reward CurrencyReward PointsCashPoints
NetworkVisaVisa
Editor Rating7.8/108.5/10
Forex Markup3.5%3.5%

Accelerated Rewards

HDFC Bank Regalia

  • 0% on SmartBuy Flights/Hotels

HDFC Bank Millennia Credit Card

  • 0% on Special Rate

Pros & Cons

HDFC Bank Regalia

Pros

  • Versatile reward redemption at ₹0.50 per point for flights and hotels via SmartBuy.
  • Low foreign currency markup of 2% compared to the standard 3.5%.
  • Comprehensive insurance including ₹1 Crore Air Accident Death Cover.
  • Complimentary Priority Pass membership for both primary and add-on members.

Cons

  • Domestic lounge access is now spend-linked (₹1 Lakh per quarter).
  • New applications are no longer accepted for Indian residents.
  • Reward points expire after 2 years.

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

Our Verdict

HDFC Bank Millennia Credit Card edges ahead overall with a stronger combination of rewards and value. However, HDFC Bank Regalia could be the better pick if its specific category strengths match your spending habits.

Choose HDFC Bank Regalia if

High value on flight/hotel bookings and low forex markup for international spends.

Choose HDFC Bank Millennia Credit Card if

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

Frequently Asked Questions

Which is better: HDFC Bank Regalia or HDFC Bank Millennia Credit Card?
HDFC Bank Millennia Credit Card edges ahead overall with a stronger combination of rewards and value. However, HDFC Bank Regalia could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between HDFC Bank Regalia and HDFC Bank Millennia Credit Card?
HDFC Bank Regalia has an annual fee of ₹2,500, while HDFC Bank Millennia Credit Card has an annual fee of ₹1,000. HDFC Bank Regalia offers a fee waiver on ₹3,00,000 annual spend. HDFC Bank Millennia Credit Card offers a fee waiver on ₹1,00,000 annual spend.
Which card has better rewards: HDFC Bank Regalia or HDFC Bank Millennia Credit Card?
HDFC Bank Regalia offers a base reward rate of 0.5333333333333334% with accelerated rewards on SmartBuy Flights/Hotels. HDFC Bank Millennia Credit Card offers 1% base rewards with bonuses on Special Rate. The better choice depends on your primary spending categories.
Can I have both HDFC Bank Regalia and HDFC Bank Millennia Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. HDFC Bank Regalia and HDFC Bank Millennia Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: HDFC Bank Regalia or HDFC Bank Millennia Credit Card?
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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