When you apply for a credit card, it’s important to carefully consider the impact it can have on your financial journey. Two essential factors to keep in mind are your personal finances and spending habits, as well as the benefits offered by the credit card. HDFC Millennia and Regalia Gold Credit Cards are among the most popular credit cards offered by the bank. As one of the largest credit card issuers in India, many of us choose to opt for HDFC credit cards. However, selecting the right type of credit card can be confusing. To help you make an informed decision, we have curated an article that compares and contrasts these two credit cards so you can choose the one that best suits your needs.

Let’s compare some of the most important features of both cards now.

HDFC Bank Millennia and Regalia Gold Credit Card

Rewards and Benefits

With the Millennia Credit Card, you would get 5% cashback on popular e-commerce websites such as Amazon, BookMyShow, and Cult. fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber, and Zomato, whereas the Regalia Gold offers you 20 Reward Points on every spend of Rs. 150 on Myntra, Marks and Spencers, Nykaa, and Reliance Digital.

Millennia offers 1% cashback on eligible online and offline spends. With the Regalia Gold Card, you would earn 4 reward points on each retail spend of Rs. 150.

Reward Capping

The Regalia Gold Credit Card allows you to earn 5X Reward Points, which are limited to 5,000 RPs per month. However, there is no limit to the base Reward Points you can earn. On the other hand, the Millennia Credit Card offers 5% and 1% cashback across various categories, with a cap of 1,000 Reward Points for both categories.

Annual Fee and Charges

The Millennia Credit Card charges a fee of Rs. 1,000, whereas the Regalia Gold Credit Card can be availed by paying a higher charge of Rs. 2,500. GST will be charged on both of these.

Please remember that you will receive benefits once you pay the joining charge. With the Millennia Credit Card, you will receive 1,000 CashPoints as a welcome benefit. On the other hand, with the Regalia Gold Credit Card, you will get vouchers worth Rs. 2,500 and a complimentary membership of MMT Black Elite and Club Vistara Silver Tier upon spending Rs. 1 lakh within 90 days.

Travel Benefits

In terms of free domestic airport lounge access, both of these cards offer domestic visits, while Regalia Gold also offers international lounge access. You would get 12 airport lounge visits within India and a priority pass membership, whereas, with the Millennia Credit Card, you would only get 4 complimentary domestic lounge visits.

To avail of lounge access with the Millennia Credit Card, you need to spend the minimum required amount, which is Rs. 1 lakh in a quarter. In terms of travel benefits, Regalia Gold is clearly the better choice. 

User Reviews and Ratings

The HDFC Millennia Credit Card is a popular choice among young people because it offers discounts on popular websites like Amazon and Flipkart. Meanwhile, the Regalia Credit Card series is highly recognized among credit card enthusiasts, with the Regalia Gold being the most superior offering in its series. Both of these credit cards are useful and rewarding, which makes choosing between them quite difficult and confusing.

Have a look at our curated ratings for both of these cards.

  • HDFC Bank Millennia Credit Card – 4.8
  • HDFC Bank Regalia Gold Credit Card – 4.5

Brief Comparison Table of Millennia and Regalia Gold Card

Features HDFC Bank Millennia Credit Card HDFC Bank Regalia Gold Credit Card
Joining/Renewal Fee ₹1,000 + GST ₹2,500 + GST
Welcome Benefits 1,000 CashPoints Complimentary MMT Black Elite and Club Vistara Silver Tier. Gift Voucher Worth ₹2,500.
Free Domestic Lounge Access 1 Domestic Airport Lounge Access Every Quarter (4 Each Year) 3 Complimentary Domestic Airport Lounge Access Every Quarter (12 Each Year)
Foreign Currency Markup 3.5% 2%

Who is the Ultimate Winner?

According to Card Insider, HDFC Millennia is the ultimate winner against the Regalia Gold Credit Card. 

Millennia can be bagged for the low fee of Rs. 1,000, which is easy to pay for the vast majority of us in comparison to paying Rs. 2,500 for the Regalia Card. Moreover, the Regalia card would offer you accelerated Reward Points for certain merchants like Myntra, Marks & Spencer, and Reliance Digital, whereas with the Millennia Credit Card, you would get access to 5% cashback on a wide variety of merchants like Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber, and Zomato.

If you are looking for luxury and comfort, the Regalia Gold Credit Card is a better option than Millennia. It offers a wider range of welcome benefits, more airport lounge visits, and complimentary memberships. However, it comes at a higher cost. It’s also worth noting that you can waive the annual charges for Millennia by spending Rs. 1 lakh in a card year, whereas with the Regalia Gold card, you would have to spend Rs. 4 lakh.

Share your opinion in the comment section below, whether you agree or disagree with our judgment.


  1. Harikrishna Yada Reply

    Millennia card is better in all aspects and I am also enjoying the benefits

  2. Sangram Keshari Mohapatra Reply

    It depends on use. But I find Millennia card more user friendly. Returns are in form of cash back. 1 CB point =Re 1/- which can easily be redeemed as statement credit. With those vouchers etc you need not have to use them.
    Regalia gold has advantage only if you are a frequent traveller and used to lounges.

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