Head-to-head · 🇮🇳 India
HDFC Millennia vs HDFC Regalia Gold
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
HDFC Bank
HDFC Millennia
Wins 5 of 10
IN
Premium
HDFC Bank
HDFC Regalia Gold
VISA
Wins 3 of 10
Verdict
HDFC Millennia wins 5-3. Online shoppers spending ₹15K–50K/month HDFC Regalia Gold is still the right call if mid-tier travel + dining without the diners black price tag.
Side-by-side
| Criterion | HDFC Millennia | HDFC Regalia Gold |
|---|---|---|
| Annual fee | ₹1,000 | · ₹2,500 |
| Joining fee | ₹1,000 | · ₹2,500 |
| Top reward rate | · 5% (shopping) | 25% (travel) |
| Base reward rate | · 1% | 4% |
| Forex markup | · 3.5% | 2% |
| Welcome bonus | = 1,000 CashPoints on ₹1,000 spend in first 90 days | = 2,500 reward points + ₹1,500 Marriott / Cult.fit voucher |
| Fee waiver threshold | ₹100,000 / yr | · ₹400,000 / yr |
| Min income | ₹420,000 | · ₹1,200,000 |
| Min credit score | 750 | · 770 |
| Editorial rating | = 4.6/5 | = 4.6/5 |
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 Gold
- 5x reward points on travel + dining via SmartBuy
- 4 complimentary international lounge visits per year (Priority Pass)
- 12 complimentary domestic lounge visits per year
- Annual memberships: Club Vistara Silver, MMT Black Elite
- Low forex markup: 2%
- Milestone benefits at ₹1.5L, ₹3L and ₹4L spend
FAQ
›HDFC Millennia vs HDFC Regalia Gold: which is better?
HDFC Millennia wins on more dimensions (5 vs 3). 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 Gold 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 Gold: 2,500 reward points + ₹1,500 Marriott / Cult.fit voucher.