When you apply for a credit card, it’s important to carefully consider its impact on your financial journey. Two essential factors to keep in mind are your personal finances and spending habits, as well as the benefits of the credit card. HDFC Millennia and Regalia Gold Credit Cards are among the most popular credit cards offered by the bank. As one of India’s largest credit card issuers, 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 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. Meanwhile, the Regalia Gold offers 20 Reward Points for every Rs. 150 spend 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

Regarding free domestic airport lounge access, only Regalia Gold offers domestic and international airport lounge access. Whereas, with the Millennia Credit Card, no airport lounge access is offered.

User Reviews and Ratings

The HDFC Millennia Credit Card is popular among young people because it offers discounts on 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, making choosing between them 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

Apply Now

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 N/A 3 Complimentary Domestic Airport Lounge Access Every Quarter (12 Each Year)
Foreign Currency Markup 3.5% 2%

Who is the Ultimate Winner?

Millennia can be bagged for the low fee of Rs. 1,000, which is easy to pay for most of us compared to 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. In contrast, with the Millennia Credit Card, you can access 5% cashback on merchants like Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber, and Zomato.

The Regalia Gold Credit Card is a better option than Millennia if you want luxury and comfort. It offers a broader range of welcome benefits, 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.

Apply Now


  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.

  3. Yash Reply

    Cash back is one of the important feature of Millennia and can also be adjusted against the bill which is not the case of Regalia Gold Card

    • Kartik Kanwar Reply

      In terms of cashback one can opt for better cards including SBI Cashback, Airtel Axis and Swiggy HDFC.

Write A Comment