When you apply for a credit card, it’s important to consider its impact on your financial journey carefully. Two essential factors to consider are your personal finances and spending habits, as well as the credit card’s benefits. HDFC Millennia and Regalia Gold Credit Cards are among the most popular credit cards offered by the bank.
While HDFC Millennia is an easygoing everyday cashback credit card, Regalia Gold offers a lot more in terms of accelerated rewards and travel benefits, albeit at a higher price point.
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.
Cashback Vs Reward Points
With the Millennia Credit Card, you get 5% cashback on popular e-commerce websites such as Amazon, BookMyShow, cult.fit, Flipkart, Myntra, SonyLIV, Swiggy, TataCLiQ, Uber, and Zomato.
Meanwhile, the Regalia Gold offers 20 Reward Points for every ₹150 spent on Myntra, Marks and Spencer, Nykaa, and Reliance Digital.
Millennia offers 1% cashback on other eligible online and offline spends. With the Regalia Gold Card, you would earn 4 Reward Points on each retail spend of ₹150, including utilities, education, and insurance.
Reward Capping
The Regalia Gold Credit Card allows you to earn 5X Reward Points on select brands and platforms, with a monthly limit of 5,000 RPs. 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 Cash Points for both categories. A total of 2,000 Cash Points can be earned each month with the Millennia Credit Card.
If we talk in terms of Reward Points earning, one can earn a lot more RPs with the Regalia Gold than with the Millennia Credit Card.
Annual Fee and Charges
The Millennia Credit Card charges a fee of ₹1,000, whereas the Regalia Gold Credit Card can be availed by paying a higher charge of ₹2,500. GST will be charged on both.
Please remember that you will receive welcome benefits once you pay the joining fee. 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 ₹2,500 and a complimentary membership of MMTBLACK Gold and Swiggy One upon spending ₹1 lakh within 90 days.
Free Airport Lounge Access
Regarding free domestic airport lounge access, only Regalia Gold offers access to both domestic and international airport lounges. Whereas, with the Millennia Credit Card, no airport lounge access is offered.
When it comes to travel and lifestyle benefits, Regalia Gold is the clear winner.
Milestone Benefits
| Millennia | Regalia Gold |
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It is clear from the table above that those who make higher spending would do much better with the HDFC Regalia Gold, as it rewards spending as high as ₹7.5 lakh.
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 it difficult to choose between them.
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
| Features | Millennia | Regalia Gold |
| Joining/Renewal Fee | ₹1,000 + GST | ₹2,500 + GST |
| Welcome Benefits | 1,000 CashPoints | Gift Voucher Worth ₹2,500. Complimentary MMTBLACK Gold and Swiggy One on Spends of ₹1 Lakh |
| 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 ₹1,000, which is easy to pay for most of us compared to ₹2,500 for the Regalia Card. Both cards provide attractive welcome benefits that make their fees worthwhile.
The Regalia card would offer you accelerated Reward Points for select merchants, including 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 ₹1 lakh in a card year, whereas with the Regalia Gold card, you would have to spend ₹4 lakh.
Another underrated benefit of having Regalia Gold is that it can easily pave the way to more premium HDFC Credit Cards, such as Diners Club Black and Infinia Metal.
Share your opinion in the comment section below, whether you agree or disagree with our judgment.
4 comments
Yash
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
In terms of cashback one can opt for better cards including SBI Cashback, Airtel Axis and Swiggy HDFC.
Sangram Keshari Mohapatra
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.
Harikrishna Yada
Millennia card is better in all aspects and I am also enjoying the benefits