HDFC Millennia vs HDFC Regalia Gold
Detailed comparison of these two popular credit cards
HDFC Millennia
HDFC Bank
Mid-RangeVS
Winner
HDFC Regalia Gold
HDFC Bank
Premium*
Different Reward Types
Card 1 gives 💵 Cashback while Card 2 gives ⭐ Reward Points. We're showing effective cash values for fair comparison.
Annual Fee
₹1K vs ₹3K
Effective Rate
(cash value)
1.0% vs 1.3%
Lounge Access
8/year vs 12/year
Detailed Comparison
| Feature | HDFC Millennia | HDFC Regalia Gold |
|---|---|---|
Fees & Charges | ||
| Joining Fee | ₹1K | ₹3K |
| Annual Fee | ₹1K | ₹3K |
| Fee Waiver | Spend ₹1L annually | Spend ₹4L annually |
| Forex Markup | 3.5% | 2% |
Rewards | ||
| Reward Type | 💵Cashback | ⭐Reward Points |
| Effective Cash Value | 1% | 1.33% |
Lounge Access | ||
| Domestic Lounges | 8/year | 12/year |
| Priority Pass | - | Yes |
Eligibility | ||
| Min. Income | ₹6.0L | ₹12.0L |
HDFC Millennia is Best For
Online shoppers on major platforms
Watch Out
- • 5% cashback capped at ₹1000/month
HDFC Regalia Gold is Best For
Mid-tier spenders wanting lounge access
Watch Out
- • Devalued from original Regalia benefits
Our Verdict
Based on overall features and value,
HDFC Regalia Gold wins!
Score: 34vsScore: 51
