Compare Cards India - Apply Right Credit Card For You

HDFC Bank Regalia Gold Credit Card Apply Now	HDFC Bank Millennia Credit Card Apply Now
Joining Fee Rs. 2,500 + GST	Joining Fee Rs. 1,000 + GST
Rewards and Benefits
Welcome Benefits Welcome benefit of complimentary MMT Black Elite and Club Vistara Silver Tier membership on spending over Rs. 1 Lakh inside 90 days of getting the card issued	Welcome Benefits 1,000 CashPoints as a Welcome Benefit.
Rewards Rate Get 4 Reward Points on every spend of Rs. 150 on retail including utilities, insurance, and education. Get 20 Reward Points on every spend of Rs. 150 on Myntra, Marks and Spencers, Nykaa, and Reliance Digital	Rewards Rate 5% cashback (as CashPoints) at select partner online merchants and 1% cashback (as CashPoints) on all other spends (except fuel, rental, and govt. related transactions)
Movie & Dining 20% Discount via Swiggy Dineout	Movie & Dining Up to 20% discount at partner restaurants with Swiggy Dineout
Reward Redemption Redeem RPs for flight/hotel bookings via the Smartbuy portal at the rate of 1 RP = Rs. 0.50, convert RPs into airmiles through Netbanking at the rate of 1 RP = 0.50 Airmiles, Redeem RPs for products and gift vouchers on the Smartbuy portal at the rate of 1 RP = Rs. 0.35, and Redeem RPs against the Exclusive Gold Catalogue on Smartbuy at the rate of 1 RP = Rs. 0.65	Reward Redemption Rewards processed as CashPoints, 1 CP = Re. 1 while redeeming against statement balance of credit card and 1 CP = Rs. 0.30 while redeeming against products and vouchers in the product catalogue, and against flight/hotel booking.
Travel Complimentary Flight Tickets on Reaching Spend Milestones	Travel One free airport lounge visit on spending Rs. 1 lakh in a quarter (Milestone Benefit)
Golf NA	Golf N/A
Domestic Lounge 3 Complimentary Domestic Airport Lounge Access Every Quarter (12 Each Year)	Domestic Lounge N/A
International Lounge 6 complimentary international lounge access	International Lounge N/A
Insurance Benefits Accidental air death cover up to ₹1 crore, emergency overseas hospitalisation cover worth ₹15 lakhs, credit liability cover up to ₹ 9 lakhs	Insurance Benefits N/A
Zero Liability Protection Cardholder will not be liable for fraudulent transactions made with the credit card if he reports about the loss in a timely manner	Zero Liability Protection Zero liability of the credit cardholder in case of fraudulent transactions after you have reported about the loss or theft of the card to the bank.
Fees & Charges

Renewal Fee Rs. 2,500 + GST	Renewal Fee Rs. 1,000 + GST
Spend Based Waiver Renewal Fee Waiver on Spending Rs. 4 Lakh in a Year	Spend Based Waiver The renewal fee is waived off if the cardholder spends Rs. 1 Lakh or more in the previous year.
Rewards Redemption Fee Rs. 99	Rewards Redemption Fee Rs. 99 per redemption request (plus applicable taxes)
Foreign Currency Markup 2% on all forex transactions	Foreign Currency Markup 3.5% (plus applicable taxes)
Interest Rates 3.6%	Interest Rates 3.6% per month (or 43.2% per annum)
Fuel Surcharge N/A	Fuel Surcharge A 1% Fuel surcharge is waived if you spend between Rs. 400 and Rs. 5,000 on fuel (Max Rs. 250 per statement cycle)
Cash Advance Charges 2.5% of total amount or Rs. 500, the higher one	Cash Advance Charges 2.5% of the transaction amount, subject to a minimum fee of Rs. 500
Add-on Card Fee Nil	Add-on Card Fee Nil

HDFC Bank Regalia Gold Credit Card

HDFC Bank Millennia Credit Card

Rewards and Benefits

Fees & Charges

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