HDFC Millennia Credit Card vs. HDFC Regalia Credit Card | Detailed Comparison [2024]

Editor

Updated

HDFC Millennia vs. HDFC Regalia Credit Card
HDFC Millennia vs. HDFC Regalia Credit Card

Which is best for Travel and Rewards? Let’s find it out.

Explore rewards, fees, and benefits to choose the best fit for your needs. Simplify your decision-making process and maximize your card benefits with this detailed analysis.

HDFC Millennia Credit Card vs. HDFC Regalia Credit Card jonning fees & renewal fees

Credit CardJoining Fee (₹)Annual Fee (₹)
HDFC Millennia500Free
HDFC Regalia1,000₹1,500

Welcome Bonus

Credit CardWelcome Bonus
HDFC Millennia1,000 CashPoints (worth around ₹300)
HDFC RegaliaNo Welcome Bonus

HDFC Millennia vs. HDFC Regalia Credit Card: Features & Benefits (Detailed)

FeatureHDFC Millennia Credit CardHDFC Regalia Credit Card
RewardsUp to 5% Cashback on specific categories (capped at ₹1000 per month)4 Reward Points for every ₹150 spent (conversion rate for rewards may vary)
* Cashback CategoriesFlipkart, Swiggy, Amazon, BookMyShow, Myntra, Uber, Cult.fit, Sony LIV, Tata CLiQ & Zomato* Redeem Points for
* Other Spends1% Cashback (capped at ₹1000 per month)
Welcome Bonus1,000 CashPoints (worth around ₹300)No Welcome Bonus
Annual FeeFree if you spend ₹1 lakh in a year, otherwise ₹500₹1,500
Lounge AccessLimited visits to Domestic Airport LoungesComplimentary access to Domestic & International Airport Lounges (multiple visits per quarter)
Fuel surcharge waiverUp to ₹250 per month on fuel transactions at petrol pumpsUp to ₹250 per month on fuel transactions at petrol pumps
BookMyShow OfferDiscounts and cashback offers on movie tickets and events
Accidental death insuranceUp to ₹2 lakh coverageUp to ₹10 lakh coverage (may vary)
Other Benefits• Extended warranty on purchases • Complimentary movie tickets on achieving milestones • Lost card liability insurance• Higher credit limit • Priority customer service • Golf access discounts • Complimentary club memberships
EligibilityMinimum monthly income of ₹35,000Minimum monthly income of ₹1 lakh

HDFC Millennia vs. HDFC Regalia Credit Card: Fees (Detailed)

FeeHDFC MillenniaHDFC Regalia 
Annual FeeFree if you spend ₹1 lakh in a year, otherwise ₹500₹1,500 (waiver available if you spend ₹3 lakh in a year)
Late Payment FeeUp to ₹1,000 (varies depending on outstanding amount)Up to ₹1,000 (varies depending on outstanding amount)
Overlimit FeeUp to ₹500 (varies depending on overlimit amount)Up to ₹500 (varies depending on outstanding amount)
Cash Advance Fee2.5% of transaction amount (minimum ₹500)2.5% of transaction amount (minimum ₹500)
Foreign Currency Markup3.5%2%
Balance Transfer Fee2% of transfer amount (minimum ₹500)2% of transfer amount (minimum ₹500)
Free ATM Withdrawals5 free ATM withdrawals per month within India, charges apply thereafter10 free ATM withdrawals per month within India, charges apply thereafter
Renewal Fee WaiverSpends ₹1 lakh in a yearSpends ₹3 lakh in a year

Who is it Best For? HDFC Millennia vs. HDFC Regalia Credit Card

CriteriaHDFC Millennia Credit CardHDFC Regalia Credit Card
RewardsEasy to understand cashback on everyday spending categoriesFlexible reward points program, good for maximizing value with travel and strategic redemptions
FeesLower annual fee (can be waived easily)Higher annual fee (waiver with higher spending)
EligibilityLower income requirementHigher income requirement
Travel BenefitsLimited domestic lounge accessComprehensive travel benefits including domestic & international lounge access, travel insurance (potentially)
Spenders who benefit mostSpends heavily on categories with 5% cashback (Flipkart, Swiggy etc.)Travels frequently, redeems points well for travel or high-value rewards

Related Posts

Leave a comment

Table