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HDFC Millennia vs HDFC Regalia Gold Credit Card

HDFC Millennia vs HDFC Regalia Gold Credit Card

Last Updated : April 5, 2024, 5:32 p.m.

Picking a credit card can be tricky, but we’re here to make it easy for you. Let’s talk about two favorites: the HDFC Millennia and the HDFC Regalia Gold Credit Card. Whether you love shopping, traveling, or just want great perks, we’re breaking down what makes each card special in a quick 10-point comparison. Read till the end to find out which card might just be your perfect match!

HDFC Millennia Credit Card – An Overview

The HDFC Millennia Credit Card is ideally suited for individuals who prioritize cashback and frequently engage in online shopping. It offers a comprehensive cashback program across a variety of online and offline spending categories, making it an excellent choice for digital-savvy consumers seeking to maximize returns on their everyday purchases.

HDFC Regalia Gold Card – An Overview

The HDFC Regalia Gold Credit Card, on the other hand, is designed for individuals with a preference for travel and rewards. It provides a range of travel benefits, including airport lounge access and a rewarding points system that can be redeemed for travel bookings and upgrades. This card is perfect for those who travel frequently and value rewards that enhance their travel experience.

HDFC Millennia vs Regalia Gold Credit Card – A Quick Comparison

If you’re looking at credit cards with great perks, the HDFC Millennia and HDFC Regalia Gold cards both have a lot to offer, but in different ways. Let’s compare them to see which one fits your lifestyle and how you like to spend your money better.

Features HDFC Millennia Credit Card Regalia Gold Credit Card
Best Suited For Cashback, Online Shopping Travel, Rewards
Joining Fee INR 1000 INR 2500
Annual/Renewal Fee INR 1,000 (Waived off on INR 1 lakh annual spends) INR 2,500 (Waived off on spending INR 4 lakh in a year).
Minimum Spend for Waiver of Annual Fees INR 1 lakh/annum INR 4 lakh/annum
Welcome Benefits Get INR 1,000 gift voucher on joining fee payment. Get free membership to MMT Black Elite and Club Vistara Silver Tier as Welcome Perks.
Rewards and Other Benefits - Get 5% cashback on Amazon, Flipkart, and flight and hotel bookings done via PayZapp and SmartBuy.

- Get cashback of 2.5% on all online purchases (on min. purchases of Rs. 2,000).

- Get 1% cashback on all offline purchases and wallet reloads.

- Receive 1% waiver on fuel surcharge.

- p to 20% discount on partner restaurants via Dineout.
- Get 4 reward points per Rs. 150 spent on all retail spends.

- Earn 5x reward points by spending at Marks & Spencer, Nykaa, Reliance Digital, and Myntra.

- Get vouchers worth Rs. 1500 on quarterly expenditures of Rs. 1.5 lakh.

- Receive flight vouchers worth Rs. 5,000 on annual spending of Rs. 5 lakh.
Lounge Access Get 8 complimentary domestic lounge access per calendar year (2 in a quarter) - Get 12 complimentary lounge access within India.

- Avail up to 6 international lounge access.
Pros - Earn as much as 5% cashback on key online purchases related to lifestyle.

- The condition to get the annual fee waived is easily met.
- Receive up to 15,000 bonus reward points as a milestone benefit.

- Enjoy complimentary access to airport lounges, both domestic and international.

- Get discounts of up to 20% at participating dining establishments.
Cons -You can access lounges only if you meet the spending condition.

- There's a limit on how much cashback you can earn each month.
- You get free lounge access only when you meet the spending conditions.

- There are no extra rewards for spending in any category.
Who Should Apply for This Card? For those who often shop online, order food, watch movies, and spend on lifestyle, and prefer cashback on their purchases Individuals who can meet the requirements to waive the fee and access lounges to maximize card benefits, as well as those who dine out frequently.

HDFC Millennia vs Regalia Gold Credit Card – Which One is Better?

Deciding between HDFC Millennia and HDFC Regalia Credit Cards isn’t a piece of cake. It all boils down to your needs and situation.

If you want a simple and budget-friendly card with savings on purchases from HDFC partners, Millennia is the way to go. But if you’re into traveling, Regalia offers more perks like lounge access and insurance, especially for international trips.

Think about your spending habits and plans for the future. If you’re going to spend big on things like gadgets, weddings, or education, and your yearly spending is over Rs. 5 lakhs, Regalia might be a better fit for you.

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