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HDFC Millennia Credit Card vs HDFC Regalia Gold Credit Card

Verify differences in joining fees, waivers, reward structures, lounge access frequencies, and foreign transaction charges to pick your match.

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HDFC Bank

HDFC Millennia

Cardmember

CARD COMPARE MEMBER

VISA
Card A

HDFC Millennia Credit Card

Verified: 9 June 2026

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HDFC Bank

HDFC Regalia Gold

Cardmember

CARD COMPARE MEMBER

VISA SIGNATURE
Card B

HDFC Regalia Gold Credit Card

Verified: 13 June 2026

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Feature / ParameterHDFC Millennia Credit CardHDFC Regalia Gold Credit Card
BankHDFC BankHDFC Bank
Best ForShoppingTravel
Joining Fee₹1,000₹2,500
Annual Fee₹1,000
Best: Lower maintenance cost
₹2,500
Renewal WaiverWaived on annual spends of ₹1,00,000 or more in the previous year.Waived on annual spends of ₹4,00,000 or more in the previous year.
Cashback & Reward Rate5% cashback (as CashPoints) on Amazon, Flipkart, Swiggy, Uber, Zomato, Tata CLiQ, BookMyShow, Myntra. 1% cashback on other spends.4 Reward Points for every ₹150 spent. 20 Reward Points for every ₹150 spent at partner brands (Marks & Spencer, Myntra, Nykaa, Reliance Digital). Points can be redeemed for flights/hotels at ₹0.50 per point.
Lounge Access8 complimentary domestic lounge visits per year (maximum 2 per calendar quarter), subject to credit spending rules.12 complimentary domestic lounge visits per year. 6 complimentary international lounge visits per year via Priority Pass.
Best: Better lounge privileges
Forex Markup Fee3.50% of the transaction value.2.00% of the transaction value + taxes (Low Foreign Exchange markup fee).
Best: Lower foreign transaction charges
Fuel Benefit1% fuel surcharge waiver for transactions between ₹400 and ₹5,000 (maximum waiver capped at ₹250 per statement cycle).1% fuel surcharge waiver for transactions between ₹400 and ₹5,000 (maximum waiver capped at ₹500 per statement cycle).
Finance Charges3.60% per month (43.20% per annum).3.60% per month (43.20% per annum).
EligibilitySalaried individuals with a monthly salary of ₹35,000+ or self-employed with annual ITR above ₹6 Lakhs. Age: 21 to 40 years.Salaried individuals with a monthly salary of ₹1,00,000+ or self-employed with an annual ITR above ₹12 Lakhs. Age: 21 to 60 years.

Choose HDFC Millennia Credit Card if...

  • You want a lower maintenance fee (₹1,000 vs ₹2,500).
  • You prefer direct statement cashback over reward points catalog redemptions.
  • Your spending habits are concentrated heavily on Shopping transactions.
  • You easily hit the annual waiver spending target: ₹1,00,000 or more in the previous year.

Choose HDFC Regalia Gold Credit Card if...

  • You want superior domestic and/or international airport lounge access privileges (12 complimentary domestic lounge visits per year. 6 complimentary international lounge visits per year via Priority Pass.).
  • You spend internationally and need a lower foreign currency markup fee (2.00% of the transaction value + taxes (Low Foreign Exchange markup fee).).
  • Your spending habits are concentrated heavily on Travel transactions.
  • You easily hit the annual waiver spending target: ₹4,00,000 or more in the previous year.

AHDFC Millennia Credit Card Highlights

Pros

  • Excellent 5% return on popular daily partner sites including Amazon and Flipkart.
  • Low annual fee waiver limit of ₹1 Lakh.
  • CashPoints can be adjusted directly against your outstanding balance (1 CashPoint = ₹1).

Cons / Limitations

  • CashPoints expire after 1 year if unused.
  • 5% cashback capped at ₹1,000 total per calendar month across partner sites.
  • Lounge access now conditional on meeting quarterly spending requirements.

BHDFC Regalia Gold Credit Card Highlights

Pros

  • Complimentary domestic and international airport lounge access.
  • High reward point value on flight/hotel bookings via SmartBuy (up to ₹0.50/point value).
  • Low foreign currency markup rate (2.0%) compared to standard cards (3.5%).

Cons / Limitations

  • Relatively high joining and annual fees of ₹2,500.
  • Higher minimum spend threshold (₹4 Lakhs) required to waive the annual fee.
  • Points redemption fee of ₹99 is applicable per transaction.

CardCompare India Editorial Verdict

Both cards offer excellent value in their respective segments. If you prefer lower annual fees, HDFC Millennia Credit Card is the clear choice. For travelers, check the Lounge Access and Forex Markup specs above to determine the winner.

Our comparisons are editorially independent. We may earn a commission. Banks verify CIBIL and issue final approvals.
Disclaimer on Card Specifications:

Fees, interest rates, reward rates, lounge lists, and eligibility terms are subject to change by issuing banks. CardCompare India is an independent review site and cannot guarantee final card approvals. Review the bank's official Reward Charters and Most Important Terms and Conditions (MITC) before submitting credit applications.