HDFC Bank Millennia Credit Card Visa vs HDFC Bank Regalia Credit Card Visa: Which is Better in 2026?
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In short: HDFC Millennia has the lower annual fee (₹1,000 vs ₹2,500); both charge a 3.5% forex markup.
| Key facts | HDFC Millennia | HDFC Regalia |
|---|---|---|
| Annual fee | ₹1,000 | ₹2,500 |
| Joining fee | ₹1,000 | ₹2,500 |
| Annual fee waived | On ₹1 lakh annual spend | On ₹3 lakh annual spend |
| Top reward rate | 5% cashback on Amazon, Flipkart, Swiggy and 7 more | 4 reward points For Every ₹200 |
| Base rewards | 1% Cashback on All Other Spends | 4 reward points For Every ₹200 |
| Lounge access | Not listed | 8 airport lounge visits a year |
| Forex markup | 3.5% | 3.5% |
From issuer benefit data, checked 25 Oct 2026. Milestones, welcome benefits and caps are in the full table below.
What you'd earn in a year
On ₹20,000 a month with ₹5,000 at each card's top rate, HDFC Millennia returns about ₹3,900 more a year after annual fees (₹4,800 vs ₹2,400 in rewards).
| Spend profile | HDFC Millennia | HDFC Regalia |
|---|---|---|
| Reward value: top rate / base rate | 5% / 1% | 1% / 1% |
| ₹20,000 a month, all general spends | ₹2,400 | ₹2,400 |
| ₹20,000 a month, ₹5,000 of it at each card's top rate | ₹4,800 | ₹2,400 |
| Annual fee | ₹1,000 | ₹2,500 |
Estimates from the earn rates above, with stated cashback caps applied, before exclusions. Reward points are valued at the card's best listed redemption (often travel or vouchers via the bank's portal); cash-back on the statement is usually worth less. Annual fees may be waived on spend (see the table below).
Hdfc Bank Millennia Credit Card Visa lists a lower headline annual fee in our data (around ₹1,500 apart), before waivers. HDFC Bank Regalia Credit Card Visa currently has more lounge detail available from the issuer data we index. Always confirm current fees and offers on the issuer’s site before you apply.
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| Feature | Hdfc Bank Millennia Credit Card Visa | HDFC Bank Regalia Credit Card Visa |
|---|---|---|
| Bank | HDFC Bank | HDFC Bank |
| Network | Visa | Visa |
| Joining fee | Joining Fee of Rs.1000 | Joining Fee of Rs. 2500 |
| Annual / renewal fee | Renewal Fee of Rs. 1000 | Renewal Fee of Rs. 2500 |
| Annual fee waiver | Spend Rs.1 Lakh For Renewal Fee Waiver | Spend Rs.300000 For Renewal Fee Waiver |
| Top reward rate | 5% cashback on Amazon, Flipkart, Swiggy and 7 more | Earn 4 Rewards Points For Every Rs.200 |
| Base rate (other spends) | 1% Cashback on All Other Spends | — |
| Lounge — domestic | — | 8 Complimentary Airport Lounge Access Per Year |
| Lounge — international | — | 6 Complimentary International Lounge Access |
| Fuel surcharge waiver | 1% Fuel Surcharge Waiver | 1% Fuel Surcharge Waiver |
| Welcome benefit | Welcome Benefit - Rs.1000 CashPoints | — |
| Milestone benefit | Rs.1000 Worth Gift Vouchers on Spends of Rs.1 Lakh | Earn 10000 Bonus Rewards Points on Rs. 5 Lakhs Spends; Earn 15000 Rewards Points on Spend of Rs.8 Lakhs |
| Foreign currency markup | 3.50% - Foreign Currency Transactions | 3.50% - Foreign Currency Transactions |
Which is better for rewards?
Hdfc Bank Millennia Credit Card Visa shows a higher headline earn signal in the reward summaries we index (5% cashback on Amazon, Flipkart, Swiggy and 7 more vs Earn 4 Rewards Points For Every Rs.200). If you optimise for points or cashback on daily spend, start with that card’s reward bands — then model redemptions you actually use.
Which is better for travel?
HDFC Bank Regalia Credit Card Visa has richer lounge-related fields in our current benefits extract (domestic: 8 Complimentary Airport Lounge Access Per Year; international: 6 Complimentary International Lounge Access). Frequent flyers should still confirm guest access, visit limits and participating airports with the issuer.
Which has lower effective cost?
Hdfc Bank Millennia Credit Card Visa appears cheaper on headline renewal fee in our data before waivers. If you are fee-sensitive, also read the waiver rules in the table — a higher sticker fee can still be net-negative cost if you naturally clear spend thresholds.
Who should pick Hdfc Bank Millennia Credit Card Visa?
Consider Hdfc Bank Millennia Credit Card Visa if you already bank with HDFC Bank, and the fee, waiver and earn rows above line up with how you spend each month. Use CardChat on that card for deeper, personalised follow-ups.
Who should pick HDFC Bank Regalia Credit Card Visa?
Consider HDFC Bank Regalia Credit Card Visa if you already bank with HDFC Bank, and the fee, waiver and earn rows above line up with how you spend each month. Use CardChat on that card for deeper, personalised follow-ups.
Frequently Asked Questions
From the lounge fields in our benefit data: HDFC Bank Regalia Credit Card Visa — domestic: 8 Complimentary Airport Lounge Access Per Year; international: 6 Complimentary International Lounge Access. Hdfc Bank Millennia Credit Card Visa — domestic: —; international: —. Guest rules, networks and visit caps change — confirm on the HDFC Bank and HDFC Bank websites before you travel.
From the renewal-fee lines we index, the headline amounts are about ₹1,000 vs ₹2,500 per year before taxes and waivers. Campaigns and customer-specific pricing differ — use the comparison table and the HDFC Bank and HDFC Bank websites for the final number.
On the first reward band we surface, Hdfc Bank Millennia Credit Card Visa shows a stronger headline earn (5% cashback on Amazon, Flipkart, Swiggy and 7 more vs Earn 4 Rewards Points For Every Rs.200). Category bonuses, caps and redemption value decide real-world returns — map this to where you actually spend.
Hdfc Bank Millennia Credit Card Visa: Spend Rs.1 Lakh For Renewal Fee Waiver HDFC Bank Regalia Credit Card Visa: Spend Rs.300000 For Renewal Fee Waiver Spend thresholds and anniversary rules change; confirm the latest T&Cs.
Hdfc Bank Millennia Credit Card Visa: 3.50% - Foreign Currency Transactions HDFC Bank Regalia Credit Card Visa: 3.50% - Foreign Currency Transactions Lower published foreign-currency markup is usually better for overseas and foreign-currency online spend; confirm the live rate and exclusions on the HDFC Bank and HDFC Bank websites.
Hdfc Bank Millennia Credit Card Visa: Welcome Benefit - Rs.1000 CashPoints HDFC Bank Regalia Credit Card Visa: Not in our extract. Welcome campaigns are time-bound — verify eligibility and fulfilment on the HDFC Bank and HDFC Bank websites.