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HDFC Bank Millennia Credit Card VS HDFC Bank Regalia First 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

Both HDFC Bank Millennia Credit Card and HDFC Bank Regalia First Credit Card suit shopping-focused spenders, but they earn and cost differently. 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 First Credit Card costs ₹1,000 + GST and earns 4 Reward Points for every Rs. 150 spent on all retail purchases. HDFC Bank Millennia Credit Card also brings complimentary airport lounge access voucher upon achieving quarterly spend milestones, while HDFC Bank Regalia First Credit Card counters with not Available. If dining spending matters more, go with HDFC Bank Millennia Credit Card; if travel is the priority, HDFC Bank Regalia First Credit Card fits better.

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

Fees & Charges

Joining Fee₹1,000 + GST
Joining Fee₹1,000 + GST
Renewal Fee₹1,000 + GST
Renewal Fee₹1,000 + GST
Spend Based WaiverRenewal fee waived on spending ₹1,00,000 or more in the preceding 12 months.
Spend Based WaiverRenewal fee waived off if an amount exceeding Rs. 1 Lakh is spent in the anniversary year.
Foreign Transaction Fees3.5% + GST on international spends.
Foreign Transaction Fees2% on forex transactions; 3.5% for international transactions (as per FAQ).
Interest Rate (APR)3.75% per month (45% annually).
Interest Rate (APR)3.6% monthly (equivalent to 43.2% annually) on the overdue amount.

Rewards & Benefits

Welcome BonusReceive 1,000 bonus CashPoints upon successful realization of the joining fee.
Welcome Bonus1,000 Reward Points on successful payment of the annual fee.
Rewards RateEarn 5% cashback on select online merchants & 1% on other eligible online/offline spends.
Rewards RateEarn 4 Reward Points for every Rs. 150 spent on all retail purchases.
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

Travel & Lifestyle

Domestic Lounge AccessComplimentary airport lounge access voucher upon achieving quarterly spend milestones.
Domestic Lounge AccessNot Available
International Lounge AccessNot Applicable
International Lounge AccessNot Available
Travel BenefitsRedeem CashPoints for up to 50% of flight & hotel bookings via SmartBuy Rewards Portal.
Travel BenefitsReward points can be redeemed for flight and hotel 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 BenefitsSpecial offers at premium restaurants with The Good Food Trail dining program across top cities.
Golf BenefitsNot Applicable
Golf BenefitsNot Available
Fuel Surcharge Waiver1% waiver for transactions ₹400-₹5,000, max ₹250 per statement cycle.
Fuel Surcharge Waiver1% waiver on fuel transactions between Rs. 400 and Rs. 5,000, capped at Rs. 500/billing cycle.

Security & Other

Insurance BenefitsZero liability on fraudulent transactions if lost card is reported immediately.
Insurance BenefitsAir accidental (Rs 50L), emergency overseas hospitalization (Rs 10L), credit liability (Rs 5L).
Cash Advance Charges2.5% of transaction amount, minimum fee of ₹500.
Cash Advance Charges2.5% of withdrawn amount, minimum Rs. 500 or Rs. 600, 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 First 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 First Credit Card offers a blend of travel and lifestyle privileges. It provides significant Reward Points on retail purchases, along with dining benefits and comprehensive insurance covers. Cardholders can also benefit from milestone rewards and a renewal fee waiver based on annual spending, making it ideal for frequent travelers and shoppers seeking enhanced benefits.

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.

Earn 5,000 Reward Points on annual spends of Rs. 3 Lakhs or more.

Accumulate up to 7,500 bonus Reward Points annually through milestone benefits.

Comprehensive insurance covers include air accident, hospitalization & credit liability.

Renewal fee waiver available on annual spends exceeding Rs. 1 Lakh.

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.

A reward redemption fee of Rs. 99 is always applicable.

Does not provide any complimentary domestic or international lounge access.

No reward points are earned when making fuel transactions.

The foreign currency markup can be as high as 3.5%.

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 First Credit Card(opens in new tab)