Introduction
If youโre trying to decide between the HDFC Regalia vs Millennia credit cards, youโre not alone. Both cards come from HDFC Bank and offer unique perks, rewards, and benefits tailored for different types of users. Whether youโre a frequent traveler or someone who loves cashback on everyday spends, understanding how these two cards stack up can save you time and money. This guide breaks down the key features, fees, eligibility, and benefits of both cards in simple terms, so even if youโre new to credit cards, you can pick the right one for your needs.
Quick Comparison Table
| Feature | HDFC Regalia | ย | ย | HDFC Millennia |
| Annual Fee | โน2,500 (waived on spends) | โน1,000 | ||
| Eligibility | Income Rs. 12 Lakh+ p.a. | Income Rs. 4.5 Lakh+ p.a. | ||
| Milestone Benefits | Travel vouchers | Cashback on spends | ||
| Rewards Rate | โน150 gets you 4 Reward points | โน150 gets you 4 Reward points | ||
| Cashback | N/A | 5% on online spends | ||
| Lifestyle Benefits | Airport lounge Entry | Movie tickets, meal deals |
Fees and Charges
HDFC Regalia Credit Card
- Higher Annual fee of โน2,500, but waived on per annual spends more than โน3 lakh
- Interest rates standard for premium cards
- Foreign currency markup charges apply, with forex benefits
- Late payment fees and over-limit charges applicable typical of premium credit cards
HDFC Millennia Credit Card
- Lower annual fee of โน1,000, no waiver conditions
- Interest rates comparable to Regalia
- Foreign currency markup charges apply without special forex perks
- HDFC Millennia credit card carry interest rates and over-limit charges applicable
Eligibility Criteria
HDFC Regalia Credit Card
- Minimum annual income requirement of โน12 lakh
- Suitable for high-income professionals and business owners
- Requires a strong credit score and clean credit history
HDFC Millennia Credit Card
- Millennia is accessible to a broader audience with a lower income requirement of โน4.5 lakh per annum, ideal for young professionals or those starting out.
- Targets young professionals and moderate-income earners
- Easier approval with decent credit score
Milestone Benefit Comparison
HDFC Regalia Credit Card
- Travel-centric milestone perks such as flight and hotel vouchers
- Benefits ย mainly focused on travel, such as complimentary flight tickets or hotel discounts unlocked on crossing specified spend thresholds
- Designed for frequent travellers aiming for premium experiences
HDFC Millennia Credit Card
- Cashback rewards credited after meeting spending milestones
- Milestone benefits focused on everyday spending
- Best for users looking for quick cashback returns
Rewards, Cashback & Redemption
HDFC Regalia Credit Card
- โน150ย gets you 4 Reward points
- Reward points redeemable on travel, gifts, and vouchers
- No direct cashback on spends
- Regaliaโs rewards tend to offer more value for travel enthusiasts.
HDFC Millennia Credit Card
- 4 reward points per โน150 spent
- Millennia shines with an additional 5% cashback on online spends including dining, shopping, and travel
- Reward points can be redeemed for various options including flight bookings, gift vouchers, and merchandise
- Cashback credited monthly, adding to savings
Lifestyle Benefits and Perks
HDFC Regalia Credit Card
- Regalia cardholders are benefited with the complimentary departure lounge both in India and internationally
- Regaliaโs benefits are more premium-orientedย in providing concierge services for travel and dining assistance
- Comprehensive travel insurance coverage
- Premium lifestyle benefits tailored for luxury seekers
HDFC Millennia Credit Card
- Discounts on film tickets and dining offers
- Fuel surcharge waiver on petrol purchases
- Digital lifestyle perks ideal for urban users
- Access to select airport lounges (limited)
Which Card is Better for You?
- If you prioritize travel perks, lounge access, and have a high income, HDFC Regalia fits best
- For cashback enthusiasts, online shoppers, and moderate spenders, HDFC Millennia offers more value better value with its online cashback and lifestyle perks.
- Consider your spending habits: heavy travel vs regular online and lifestyle spends
- Factor in eligibility and annual fees before deciding
Final Thoughts and Recommendation
The HDFC Regalia and HDFC Millennia credit cards cater to different consumer requirements. Regalia is geared towards high-income earners who want premium travel perks and are willing to pay a higher fee for exclusive benefits. Millennia is better suited for those looking for cashback and lifestyle rewards with a lower fee and easier eligibility. Think about where you spend the most and what benefits matter to you. If travel perks and luxury matter, go Regalia. Millennia is the card for you if rewards and daily savings are appealing. Either way, youโre getting a reliable card from HDFC Bank that can enhance your spending power smartly.
