Hdfc Bank Millennia Credit Card Visa vs HDFC Bank Regalia Credit Card Visa: Which is Better in 2026?
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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 has clearer reward-band data in our benefits feed right now. 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 |
| Reward rate (headline) | — | Earn 4 Rewards Points For Every Rs.150 on Insurance |
| Lounge — domestic | — | 8 Complimentary Airport Lounge Access Per Year |
| Lounge — international | — | 6 Complimentary International Lounge Access |
| Welcome benefit | Welcome Benefit - Rs.1000 CashPoints | — |
| Milestone benefit | — | 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 Regalia Credit Card Visa shows a higher headline earn signal in the reward summaries we index (Earn 4 Rewards Points For Every Rs.150 on Insurance vs —). 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 Regalia Credit Card Visa shows a stronger headline earn (Earn 4 Rewards Points For Every Rs.150 on Insurance vs —). 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.