vs
In short: HDFC Millennia has the lower annual fee (₹1,000 vs ₹2,500); HDFC Regalia Gold has the lower forex markup (2% vs 3.5%).
| Key facts | HDFC Millennia | HDFC Regalia Gold |
|---|---|---|
| Annual fee | ₹1,000 | ₹2,500 |
| Joining fee | ₹1,000 | ₹2,500 |
| Annual fee waived | On ₹1 lakh annual spend | On ₹4 lakh annual spend |
| Top reward rate | 5% cashback on Amazon, Flipkart, Swiggy and 7 more | 5X reward points on Myntra, Reliance Digital, Nykaa and 1 more |
| Base rewards | 1% Cashback on All Other Spends | 5 reward points For Every ₹200 |
| Lounge access | Not listed | 3 airport lounge visits a quarter |
| Forex markup | 3.5% | 2% |
From issuer benefit data, checked 4 Nov 2026. Milestones, welcome benefits and caps are in the full table below.
On ₹20,000 a month with ₹5,000 at each card's top rate, HDFC Regalia Gold returns about ₹1,500 more a year after annual fees (₹7,800 vs ₹4,800 in rewards).
| Spend profile | HDFC Millennia | HDFC Regalia Gold |
|---|---|---|
| Reward value: top rate / base rate | 5% / 1% | 8.13% / 1.63% |
| ₹20,000 a month, all general spends | ₹2,400 | ₹3,900 |
| ₹20,000 a month, ₹5,000 of it at each card's top rate | ₹4,800 | ₹7,800 |
| 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 and Hdfc Bank Regalia Gold Credit Card both offer distinct rewards and benefits catering to different spending habits. Millennia focuses on cashback across popular online platforms, while Regalia Gold emphasizes reward points with premium travel and shopping perks. Their fees and forex charges also differ, influencing overall value depending on your usage.
Comparison notes and quick badges use AI, grounded in the benefit data shown in the table. Confirm details on each issuer’s site.
Last updated:
| Feature | Hdfc Bank Millennia Credit Card Visa | Hdfc Bank Regalia Gold Credit Card |
|---|---|---|
| Bank | HDFC Bank | HDFC Bank |
| Network | Visa | MasterCard |
| 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.400000 For Renewal Fee Waiver |
| Top reward rate | 5% cashback on Amazon, Flipkart, Swiggy and 7 more | 5X reward points on Myntra, Reliance Digital, Nykaa and 1 more |
| Base rate (other spends) | 1% Cashback on All Other Spends | Earn 5 Rewards Points For Every Rs.200 |
| Lounge — domestic | — | 3 Domestic Lounge Visits Per Calendar Quarter |
| Lounge — international | — | 6 Complimentary Lounge Access Outside India |
| Fuel surcharge waiver | 1% Fuel Surcharge Waiver | — |
| Welcome benefit | Welcome Benefit - Rs.1000 CashPoints | Complimentary MMT Black Gold Membership |
| Milestone benefit | Rs.1000 Worth Gift Vouchers on Spends of Rs.1 Lakh | Get Rs.1500 Vouchers on Spend Rs.150000; Get Rs.5000 Additional Flight Vouchers on Spend Rs.7.5 Lakhs |
| Foreign currency markup | 3.50% - Foreign Currency Transactions | 2% - Foreign Currency Transactions |
When it comes to rewards, Hdfc Bank Regalia Gold Credit Card provides a higher value, offering 5X reward points on select brands like Myntra and Nykaa, and a base rate equivalent to about 1.63% value, resulting in approximately Rs.7,800 yearly rewards at Rs.20,000 monthly spend. In contrast, Hdfc Bank Millennia Credit Card Visa offers 5% cashback on several popular platforms and 1% on other spends, totaling around Rs.4,800 annually. Regalia Gold’s points-based system may appeal more to shoppers who redeem points effectively, while Millennia’s cashback is straightforward and focused on e-commerce and food delivery.
For travel benefits, Hdfc Bank Regalia Gold Credit Card clearly leads with 3 domestic lounge visits per calendar quarter and 6 complimentary international lounge accesses, plus a complimentary MMT Black Gold Membership. Millennia does not list any lounge access benefits. Additionally, Regalia Gold offers milestone flight vouchers on high spends, enhancing its travel value. Millennia’s travel perks are not highlighted, making Regalia Gold the better choice for frequent travelers.
Hdfc Bank Millennia Credit Card Visa has a lower joining and renewal fee of Rs.1,000 each, with a renewal fee waiver on spending Rs.1 lakh. Regalia Gold charges Rs.2,500 for joining and renewal, with a higher waiver threshold of Rs.4 lakhs. Forex markup is also lower on Regalia Gold at 2%, compared to 3.5% on Millennia. Therefore, Millennia is more cost-effective for moderate spenders, while Regalia Gold’s fees may be justified by its premium benefits for higher spenders.
Regalia Gold has a lower forex markup fee of 2% compared to Millennia’s 3.5%, making it more economical for international transactions.
Millennia offers cashback rewards with a top rate of 5% on multiple popular platforms, while Regalia Gold uses a points system with 5X points on select brands and a higher base rate, appealing to users who prefer points redemption.
Both cards offer milestone vouchers, but Regalia Gold’s milestones include higher-value flight vouchers on spends of Rs.5 lakhs and Rs.7.5 lakhs, whereas Millennia offers Rs.1,000 worth of gift vouchers on Rs.1 lakh spend per quarter.
Consider Hdfc Bank Millennia Credit Card Visa if you prefer straightforward cashback rewards on popular online platforms like Amazon, Flipkart, and Swiggy, and want a lower fee card with a simple renewal fee waiver. It suits users who want decent rewards without high annual fees and are less focused on travel perks.
Consider Hdfc Bank Regalia Gold Credit Card if you seek premium travel benefits including domestic and international lounge access, higher reward points on select shopping brands, and milestone flight vouchers. It is ideal for frequent travelers and shoppers who can leverage the higher fees for richer rewards and exclusive memberships.
Hdfc Bank Millennia Credit Card Visa has a joining fee of Rs.1,000, while Hdfc Bank Regalia Gold Credit Card charges Rs.2,500.
Hdfc Bank Regalia Gold Credit Card offers 3 domestic lounge visits per calendar quarter and 6 international lounge accesses, whereas Millennia does not list lounge benefits.
Millennia charges 3.5% on foreign currency transactions, while Regalia Gold charges a lower 2% markup fee.
At Rs.20,000 monthly spend, Regalia Gold yields about Rs.7,800 in rewards annually through points, whereas Millennia offers about Rs.4,800 in cashback.
Millennia waives the Rs.1,000 renewal fee on spending Rs.1 lakh, while Regalia Gold waives its Rs.2,500 renewal fee on spending Rs.4 lakhs.
Millennia provides Rs.1,000 CashPoints as a welcome benefit, while Regalia Gold offers complimentary MMT Black Gold Membership.