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HDFC Bank Millennia Credit Card VS HDFC Bank Regalia Credit Card

A detailed, side-by-side look at 2 leading credit cards. Analyze the features that matter most to you and make an informed choice.
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Last updated: 30 June 2026

HDFC Bank Regalia Credit Card and HDFC Bank Millennia Credit Card target different spending habits, so the better fit depends on where your money actually goes. HDFC Bank Regalia Credit Card costs ₹2,500 + GST and earns 4 Reward Points on every Rs. 150 spent on retail. HDFC Bank Millennia Credit Card costs ₹1,000 + GST and earns 5% cashback on select online merchants & 1% on other eligible online/offline spends. HDFC Bank Regalia Credit Card also brings 8 complimentary accesses per year, spend-based (Rs. 1 lakh per quarter for 2 vouchers), while HDFC Bank Millennia Credit Card counters with complimentary airport lounge access voucher upon achieving quarterly spend milestones. If travel spending matters more, go with HDFC Bank Regalia Credit Card; if shopping is the priority, HDFC Bank Millennia Credit Card fits better.

HDFC Bank Millennia Credit Card
HDFC Bank Millennia Credit Card
HDFC Bank Regalia Credit Card
HDFC Bank Regalia Credit Card

Fees & Charges

Joining Fee₹1,000 + GST
Joining Fee₹2,500 + GST
Renewal Fee₹1,000 + GST
Renewal Fee₹2,500 + GST
Spend Based WaiverRenewal fee waived on spending ₹1,00,000 or more in the preceding 12 months.
Spend Based WaiverAnnual fee waiver (second year onwards) on spending Rs. 3 lakhs or more in the previous year.
Foreign Transaction Fees3.5% + GST on international spends.
Foreign Transaction Fees2% on all foreign currency transactions.
Interest Rate (APR)3.75% per month (45% annually).
Interest Rate (APR)3.6% per month or 43.2% annually on outstanding amount.

Rewards & Benefits

Welcome BonusReceive 1,000 bonus CashPoints upon successful realization of the joining fee.
Welcome Bonus2,500 bonus Reward Points are awarded after the successful realization of the joining fee.
Rewards RateEarn 5% cashback on select online merchants & 1% on other eligible online/offline spends.
Rewards RateEarn 4 Reward Points on every Rs. 150 spent on retail.
Reward TypeCashback
Reward TypeReward Points
Reward Redemption Fee₹50 + GST for cash redemption, ₹99 + GST for other requests (effective Aug 2024).
Reward Redemption FeeRs. 99 (plus applicable taxes) charged on every redemption request.

Travel & Lifestyle

Domestic Lounge AccessComplimentary airport lounge access voucher upon achieving quarterly spend milestones.
Domestic Lounge Access8 complimentary accesses per year, spend-based (Rs. 1 lakh per quarter for 2 vouchers).
International Lounge AccessNot Applicable
International Lounge AccessPriority Pass membership with 6 complimentary lounge visits per year outside India.
Travel BenefitsRedeem CashPoints for up to 50% of flight & hotel bookings via SmartBuy Rewards Portal.
Travel BenefitsComplimentary domestic/international lounge access, travel insurance, and accelerated rewards on bookings.
Movie Benefits5% cashback on BookMyShow and Sony LIV, capped at 1,000 CashPoints per cycle.
Movie BenefitsNot Applicable
Dining Benefits10% additional discount on Swiggy Dineout, flat ₹200 off (min ₹2000), twice monthly.
Dining BenefitsGet up to 20% off on partner restaurants via Swiggy Dineout when payment is made via the Swiggy application.
Golf BenefitsNot Applicable
Golf BenefitsNot applicable.
Fuel Surcharge Waiver1% waiver for transactions ₹400-₹5,000, max ₹250 per statement cycle.
Fuel Surcharge Waiver1% waiver on transactions Rs. 400-5,000, capped at Rs. 500 per month.

Security & Other

Insurance BenefitsZero liability on fraudulent transactions if lost card is reported immediately.
Insurance BenefitsAccidental air death cover of Rs. 1 Cr, emergency overseas hospitalization up to Rs. 15 lakhs.
Cash Advance Charges2.5% of transaction amount, minimum fee of ₹500.
Cash Advance Charges2.5% of transaction amount or Rs. 500, whichever is higher.
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

HDFC Bank Millennia Credit Card

HDFC Bank Regalia Credit Card

Who is it for?

The HDFC Bank Millennia Credit Card is an entry-level cashback card primarily designed for young professionals and millennials. It offers a significant 5% cashback on popular online merchants and 1% on other eligible spends. Users can enjoy attractive gift vouchers for achieving quarterly spend milestones and a renewal fee waiver based on annual spending. This card is positioned to help users save on lifestyle expenses and build a strong credit profile through versatile reward redemptions.

Who is it for?

The HDFC Bank Regalia Credit Card is a premium offering designed for individuals seeking significant travel and lifestyle benefits. It provides a robust rewards program with 4 Reward Points on every Rs. 150 spent, complemented by welcome and milestone bonuses. Cardholders enjoy complimentary domestic and international lounge access, a low foreign currency markup, and comprehensive insurance coverage, making it ideal for frequent travelers and those seeking exclusive privileges.

Pros

Key benefits and features.

High 5% cashback on popular partner merchants including Myntra, Amazon.

Renewal fee waiver on spending ₹1 Lakh in the card anniversary year.

Provides substantial savings for digital-savvy consumers on daily spends.

Pros

Key benefits and features.

Generous welcome bonus reward points and a competitive reward rate.

Low foreign exchange markup fee of 2% on international transactions.

Complimentary domestic and international lounge access with Priority Pass.

Significant milestone benefits with bonus reward points on annual spending.

Cons

Key drawbacks and limitations.

Earns a lower 1% cashback on offline/online spends at non-partner merchants.

Accelerated 5% cashback is capped at 1,000 CashPoints per statement cycle.

A minimum of 500 CashPoints are required to redeem against statement balance.

Cons

Key drawbacks and limitations.

Other HDFC cards might offer better benefits or redemption options.

Many spend categories like fuel, rentals, and government spends do not earn reward points.

Reward points have an expiry period of 2 years from the date of accumulation.

Domestic lounge access is spend-based, requiring Rs. 1 lakh spend per quarter.

How We Compare These Cards

Every comparison on CardsForYou is built from the same verified data set we use across the site - joining and renewal fees, reward rates, forex markup, lounge access, and insurance benefits - sourced directly from each issuer and refreshed regularly. We highlight the lower-cost option on fees automatically, but "best" always depends on your own spending pattern: a card that wins on annual fee may lose on reward rate for a heavy spender, and vice versa. Use the table above alongside your own typical monthly spend to judge real value, not just the headline numbers.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.
Apply for HDFC Bank Millennia Credit Card(opens in new tab)Apply for HDFC Bank Regalia Credit Card(opens in new tab)