HDFC Regalia Gold vs HDFC Millennia
HDFC Regalia Gold is better for groceries, bills & recharges, travel & flights, while HDFC Millennia wins on online shopping, food delivery & dining. HDFC Millennia is cheaper to keep (₹1,000/year).
HDFC Bank
HDFC Regalia Gold Credit Card
•••• 7749Visa / Mastercard
HDFC Bank
HDFC Millennia Credit Card
•••• 6558Visa / Mastercard
| HDFC Regalia Gold Credit Card | HDFC Millennia Credit Card | |
|---|---|---|
| Issuer | HDFC Bank | HDFC Bank |
| Network | Visa / Mastercard | Visa / Mastercard |
| Best for | Travel & lifestyle | Online brands cashback |
| Headline benefit | Lounges + 5X partners | 5% on 10 brands |
| Joining fee | ₹2,500 | ₹1,000 |
| Annual fee | ₹2,500 | ₹1,000 |
| Fee waiver | ₹4,00,000 spend | ₹1,00,000 spend |
| Works on UPI | No | No |
| Lounge access | Domestic (spend-based) + 6 international | Domestic (spend-based) |
| Online shopping rewards | 2% | 4% |
| Groceries rewards | 1.3% | 1% |
| Food delivery & dining rewards | 1.3% | 5% |
| Fuel rewards | – | – |
| UPI scan & pay rewards | – | – |
| Bills & recharges rewards | 1.3% | 1% |
| Travel & flights rewards | 2% | 1% |
| Everything else rewards | 1.3% | 1% |
| Apply now | Apply now |
Choose HDFC Regalia Gold if…
- Lounge access in India and abroad
- Strong redemption via HDFC SmartBuy
- Low forex markup
Watch out for
- Earn rate cut in May 2026
- Domestic lounges now need quarterly spend
- ₹4 lakh spend needed for fee waiver
Choose HDFC Millennia if…
- High cashback on popular apps
- Easy fee waiver at ₹1 lakh
- Good first premium-ish card from HDFC
Watch out for
- 5% cashback is capped each month
- Cashback comes as CashPoints, not cash
- Only 1% outside partner brands
Verdict
HDFC Regalia Gold is better for groceries, bills & recharges, travel & flights, while HDFC Millennia wins on online shopping, food delivery & dining. HDFC Millennia is cheaper to keep (₹1,000/year). Many people hold both: the two cards cover different categories, so using each where it earns most maximises your total rewards. Try the card finder with your own spends to see the exact difference.