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Side-by-Side Comparison|Updated March 2026

HDFC Bank Regalia First 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 First

5.5/10
Annual Fee₹1,000
Base Rewards0.6%
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 Regalia FirstHDFC Bank Millennia Credit Card
Annual Fee₹1,000₹1,000
Joining Fee₹1,000₹1,000
Fee Waiver Spend₹1,00,000₹1,00,000
Base Reward Rate0.6%1%
Reward CurrencyReward PointsCashPoints
NetworkVisaVisa
Editor Rating5.5/108.5/10
Forex Markup3.5%3.5%

Accelerated Rewards

HDFC Bank Regalia First

No accelerated rewards listed

HDFC Bank Millennia Credit Card

  • 0% on Special Rate

Pros & Cons

HDFC Bank Regalia First

Pros

  • Low foreign currency markup fee of 2% compared to standard 3.5%
  • Reward points can be redeemed for flights and hotels at a value of ₹0.30 per point
  • Comprehensive insurance cover including ₹50 Lakh Air Accident Death Cover
  • Milestone bonus of up to 7,500 Reward Points on annual spends of ₹6 Lakhs

Cons

  • Complimentary airport lounge access (domestic and international) has been discontinued since Dec 2023
  • Base reward rate reduced to 3 RP per ₹150 spent from Sep 2024
  • Card is no longer available for new applications

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 First could be the better pick if its specific category strengths match your spending habits.

Choose HDFC Bank Regalia First if

Existing users who spend moderately and want a low-fee card with decent travel redemption value.

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 First 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 First could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between HDFC Bank Regalia First and HDFC Bank Millennia Credit Card?
HDFC Bank Regalia First has an annual fee of ₹1,000, while HDFC Bank Millennia Credit Card has an annual fee of ₹1,000. HDFC Bank Regalia First offers a fee waiver on ₹1,00,000 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 First or HDFC Bank Millennia Credit Card?
HDFC Bank Regalia First offers a base reward rate of 0.6%. 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 First and HDFC Bank Millennia Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. HDFC Bank Regalia First 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 First or HDFC Bank Millennia Credit Card?
For beginners, HDFC Bank Regalia First 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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