Head-to-head · 🇮🇳 India
HDFC Millennia vs HDFC Regalia
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
HDFC Bank
HDFC Millennia
Wins 7 of 10
IN
HDFC Bank
HDFC Regalia
VISA
Wins 2 of 10
Verdict
HDFC Millennia wins 7-2. Online shoppers spending ₹15K–50K/month HDFC Regalia is still the right call if mid-tier travel without the regalia gold price tag..
Side-by-side
| Criterion | HDFC Millennia | HDFC Regalia |
|---|---|---|
| Annual fee | ₹1,000 | · ₹2,500 |
| Joining fee | ₹1,000 | · ₹2,500 |
| Top reward rate | 5% (shopping) | · 2.7% (general) |
| Base reward rate | · 1% | 2.7% |
| Forex markup | · 3.5% | 2% |
| Welcome bonus | = 1,000 CashPoints on ₹1,000 spend in first 90 days | = 2,500 reward points on first 90-day spend |
| Fee waiver threshold | ₹100,000 / yr | · ₹300,000 / yr |
| Min income | ₹420,000 | · ₹1,200,000 |
| Min credit score | 750 | · 770 |
| Editorial rating | 4.6/5 | · 4.3/5 |
Benefits compared
HDFC Millennia
- 5% cashback on Amazon, Flipkart, Myntra, Swiggy, Zomato, BookMyShow, Cult.fit, Sony LIV, Tata CLiQ, Uber
- 1% cashback on all other retail spends
- 8 complimentary domestic airport lounge visits per year
- 1% fuel surcharge waiver (₹400 cap/month)
- Up to 20% off on partner restaurants via Smart EMI
HDFC Regalia
- 4 reward points per ₹150
- 12 domestic + 6 international lounge visits/year
- Low forex markup 2%
- Buy-1-get-1 BookMyShow tickets
- Milestone reward points at ₹1L, ₹5L
FAQ
›HDFC Millennia vs HDFC Regalia: which is better?
HDFC Millennia wins on more dimensions (7 vs 2). But the right answer depends on your specific spending pattern — see the calculator below.
›Can I get both?
Yes — if your credit profile supports it, holding both is the optimal play. Use HDFC Millennia for online shopping, HDFC Regalia for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
HDFC Millennia: 1,000 CashPoints on ₹1,000 spend in first 90 days. HDFC Regalia: 2,500 reward points on first 90-day spend.