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Comparison · हिन्दी

HDFC Millennia vs HDFC Regalia Gold

Both cards compared on real rupee returns for HDFC card upgrade from cashback to premium all-rounder. We ran the numbers so you can make the right call.

Last updated: August 2026 · Based on current card terms
HDFC
MILLENNIA
ASHOK KUMAR
VS
HDFC
REGALIA GOLD
ASHOK KUMAR
Our verdict
HDFC Millennia Credit Card wins for most people
Card A wins with ₹2,600 annual benefit versus Card B's ₹1,985, despite the higher fee. For this moderate ₹23k monthly spend, Millennia's 2.5% online cashback outperforms Regalia's broader but lower 1.625% earn rate.
Side-by-side comparison
HDFC Millennia Credit Card ✓ HDFC Regalia Gold Credit Card
Annual benefit ₹2,600 ₹1,985
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → ₹1,000 + taxes (waived on ₹1L spend) ₹2,500 + taxes (waived on ₹4,00,000/year spend)
Reward rateCashback pays you directly in rupees; reward points need converting first, and their real value depends on the redemption ratio.Full definition → 2.5% cashback on online shopping, 1% on other spends: the advertised 5% rate is only available via HDFC's own PayZapp/SmartBuy portal specifically, not general shopping 5 reward points per ₹200 on all spends (1.625%); 5X on Nykaa, Myntra, Marks & Spencer, Reliance Digital
Lounge accessFree entry to airport lounges, usually limited to a set number of visits per quarter or year.Full definition → 8 visits/year (domestic) 12 domestic + 6 international visits/year (domestic spend-based from July 2026: ₹60,000/quarter)
Forex markupThe extra fee your bank adds on top of the real exchange rate for any spend in a foreign currency.Full definition → 3.5% 2%
Best for Everyday online shopping with a modest, capped cashback All-round premium card with travel perks and lifestyle rewards
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → ₹3.5L+ per year ₹1L/month (salaried)
Credit scoreYour 3-digit credit score (300-900), higher scores make approval easier and can unlock better cards.Full definition → 700+ 750+
Apply now ↗ Full review →
Apply now ↗ Full review →
When each card wins
HDFC Millennia Credit Card
Choose Card A when you focus on online shopping and want straightforward, easy-to-earn cashback without portal restrictions. Your ₹6k monthly online spend maximizes this card's core strength effectively.
HDFC Regalia Gold Credit Card
Choose Card B if you shop frequently at Nykaa, Myntra, or Reliance Digital for 5X rewards, or value premium travel perks and lifestyle benefits beyond pure cashback calculations.
Who should get which card
Get HDFC Millennia if you…
· Best for online shoppers seeking simple, direct cashback rewards
· Annual fee waives at ₹1L spend (easily achievable in 5 months)
· Higher returns on your ₹6k monthly online shopping category
Get HDFC Regalia Gold if you…
· Premium lifestyle benefits with travel insurance and concierge
· 5X rewards on premium brands (Nykaa, Myntra, Reliance Digital)
· Better for status-conscious users valuing prestige and perks over pure cashback
Partner offer
Axis Bank Select Credit Card
Higher spenders (₹6L+ income) who will spend ₹3L+ a year, want international lounge access through Priority Pass with 12 visits, and want a 2% earn rate on everyday retail spends
Apply now →
AXIS
ASHOK KUMAR

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Related guides
Axis Bank Select vs HDFC Regalia Gold →HDFC Millennia vs Axis ACE →HDFC Millennia vs SBI Cashback →HDFC MoneyBack+ vs HDFC Millennia →Best Dining Credit Cards →Best Travel Credit Cards →Best Shopping Credit Cards →
Frequently asked questions
Based on our analysis, HDFC Millennia Credit Card offers better annual returns for most spend profiles.
HDFC Millennia Credit Card has an annual fee of ₹1,000 + taxes (waived on ₹1L spend). HDFC Regalia Gold Credit Card has an annual fee of ₹2,500 + taxes (waived on ₹4,00,000/year spend).
HDFC Millennia Credit Card offers 2.5% cashback on online shopping, 1% on other spends: the advertised 5% rate is only available via HDFC's own PayZapp/SmartBuy portal specifically, not general shopping. HDFC Regalia Gold Credit Card offers 5 reward points per ₹200 on all spends (1.625%); 5X on Nykaa, Myntra, Marks & Spencer, Reliance Digital.
HDFC Millennia Credit Card lounge access: 8 visits/year (domestic). HDFC Regalia Gold Credit Card lounge access: 12 domestic + 6 international visits/year (domestic spend-based from July 2026: ₹60,000/quarter).
HDFC Millennia Credit Card charges 3.5% forex markup. HDFC Regalia Gold Credit Card charges 2% forex markup.