HDFC Millennia Vs. HDFC Regalia Credit Card 2024 Comparison

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Choosing a credit card can be tricky. You want one that complements your spending habits and offers valuable rewards. HDFC Bank’s Millennia and Regalia Gold are two popular options, but which one suits you better? Let’s break down their key features to help you decide.

Rewards and Benefits:
  • Millennia: Earn 5% cashback on popular online stores and 1% cashback on other purchases. There’s a monthly cashback limit of Rs. 1,000 for both categories.
  • Regalia Gold: Get 20 Reward Points for every Rs. 150 spent at specific stores and 4 Reward Points on other retail purchases. You can earn bonus points (capped at 5,000 points monthly) but there’s no limit on base points.

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Annual Fee and Charges:
  • Millennia: Lower annual fee of Rs. 1,000. Fee can be waived by spending Rs. 1 lakh in a year.
  • Regalia Gold: Higher fee of Rs. 2,500. Fee waiver requires spending Rs. 4 lakh annually. However, you get welcome benefits like vouchers worth Rs. 2,500 and complimentary memberships.

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Travel Benefits:
  • Millennia: Enjoy 4 complimentary domestic airport lounge visits per quarter upon spending Rs. 1 lakh quarterly.
  • Regalia Gold: Get 12 free domestic lounge visits and a priority pass membership for international lounges. Offers superior travel benefits.
The Verdict:
  • Millennia: Ideal for budget-conscious shoppers who spend heavily on online retailers like Amazon and Flipkart. Offers good cashback rates and a lower annual fee.
  • Regalia Gold: Perfect for frequent travelers who value airport lounge access and complimentary memberships. Provides more reward points but comes with a higher annual fee.

Ultimately, the best card depends on your spending habits and priorities. Consider what rewards matter most to you and how much you’re willing to spend on an annual fee.

We’ve rated both cards to help you decide:
  • HDFC Bank Millennia Credit Card – 4.8 stars (Great for cashback and online shopping)
  • HDFC Bank Regalia Gold Credit Card – 4.5 stars (Excellent for travel and premium benefits)

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Brief Comparison Table of Millennia and Regalia Gold Card

FeaturesHDFC Bank Millennia Credit CardHDFC Bank Regalia Gold Credit Card
Joining/Renewal Fee₹1,000 + GST₹2,500 + GST
Welcome Benefits1,000 CashPointsComplimentary MMT Black Elite and Club Vistara Silver Tier. Gift Voucher Worth ₹2,500.
Free Domestic Lounge Access1 Domestic Airport Lounge Access Every Quarter (4 Each Year)3 Complimentary Domestic Airport Lounge Access Every Quarter (12 Each Year)
Foreign Currency Markup3.5%2%
Who is the Ultimate Winner?

According to Card Insider, HDFC Millennia emerges as the top choice over the Regalia Gold Credit Card.

Millennia can be acquired for a nominal fee of Rs. 1,000, making it accessible to the majority compared to the Rs. 2,500 for the Regalia Card. Furthermore, while the Regalia card offers accelerated Reward Points for specific merchants like Myntra, Marks & Spencer, and Reliance Digital, Millennia provides 5% cashback across a wide array of merchants such as Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber, and Zomato.

For those seeking luxury and indulgence, the Regalia Gold Credit Card proves superior to Millennia. It boasts a broader spectrum of welcome benefits, more airport lounge visits, and complimentary memberships. However, these perks come at a higher price. It’s important to note that you can waive Millennia’s annual charges by spending Rs. 1 lakh in a card year, whereas with the Regalia Gold card, you’d need to spend Rs. 4 lakh.

Share your perspective in the comments below, whether you concur or dissent with our assessment.

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