HDFC Millennia Credit Card vs HDFC Regalia Gold
Net value is estimated on a sample monthly spend, ranked by value not commission.
Verdict
On our reference spend profile, HDFC Regalia Gold comes out ahead on estimated net value — about ₹27,060/yr more than the HDFC Millennia Credit Card. Your own spending pattern can change this — run the numbers in the rewards calculator.
| Attribute | HDFC Millennia Credit Card Popular | HDFC Regalia Gold Best valuePopular |
|---|---|---|
| Issuer | HDFC Bank | HDFC Bank |
| Annual fee | ₹1,000 / year | ₹2,500 / year |
| Welcome bonus | 1,000 CashPoints on fee payment | Gift voucher worth ₹2,500 |
| Min. income (monthly) | INR 35,000 | INR 100,000 |
| Reward type | cashback | points |
| Headline rate | 5% cashback | — |
| Bonus categories | dining, online, groceries | dining, travel, international |
| Lounge access | Yes | Yes |
| Foreign tx fee | 3.5% | 2% |
| Est. net value / yr | ₹24,680 | ₹51,740 |
| Apply | Apply |
Frequently asked questions
- HDFC Millennia Credit Card vs HDFC Regalia Gold: which is better?
- On our reference spend profile the HDFC Regalia Gold delivers higher estimated net value than the HDFC Millennia Credit Card in India, so it wins on value. Your own spending pattern may change the result — run both through the rewards calculator.
- What is the annual fee difference between HDFC Millennia Credit Card and HDFC Regalia Gold?
- HDFC Millennia Credit Card: ₹1,000 / year. HDFC Regalia Gold: ₹2,500 / year.
- Which earns more rewards, HDFC Millennia Credit Card or HDFC Regalia Gold?
- HDFC Millennia Credit Card earns 5% cashback; HDFC Regalia Gold earns points. We rank by net value after fees, not headline rate alone.