HDFC Millennia Credit Card vs HDFC Regalia Gold Credit Card – A Detailed 2025 Comparison

Overview: HDFC Millennia Credit Card vs HDFC Regalia Gold, which is better for you?

When it comes to choosing the right credit card in India, especially from a trusted bank like HDFC, most people often get stuck between cashback and reward-based cards. Two of HDFC's most popular offerings in this category are the HDFC Millennia Credit Card and the HDFC Regalia Gold Credit Card. The two cards target different spending preferences and lifestyles. While Millennia is designed for the modern-day online spender who loves shopping, food delivery, and digital entertainment, Regalia Gold is curated for high spenders who prioritise travel, lifestyle privileges, and reward accumulation over time.

Let’s understand how these two cards differ and which one makes the most sense for your needs in 2025.

1. Purpose and Type of Credit Card

• HDFC Millennia Credit Card is a cashback card, best suited for young professionals, online shoppers, and digital-savvy users who want immediate value from their everyday spending. It rewards you with CashPoints, which can be easily redeemed against your card statement or spent across travel and shopping platforms.
• HDFC Regalia Gold Credit Card is a premium rewards card, more aligned with people who have high monthly spends, travel frequently, and prefer long-term value in the form of reward points. It provides enhanced luxury features, travel insurance, complimentary lounge visits, and premium lifestyle perks.

2. Cashback and Reward Structure

HDFC Millennia Credit Card

• Earn 5 percent cashback in the form of CashPoints when you shop at popular online platforms such as Amazon, Flipkart, Myntra, and even food and entertainment platforms like Swiggy, Zomato, Sony LIV, Uber, BookMyShow, and Cult.fit.
• Earn 1 percent cashback on all other eligible retail spends (except fuel, rent, wallet loads, and EMIs).
• A maximum of Rs 1000 cashback can be earned per billing cycle through the 5 percent category.

This structure is highly rewarding for anyone who primarily transacts online and prefers getting instant value in the form of cashback rather than building up points over time.

HDFC Regalia Gold Credit Card

• You’ll get 4 reward points for every ₹150 you spend on regular retail purchases.
• Get 5X Reward Points on partner brands like Marks & Spencer, Myntra, Nykaa, Reliance Digital. This multiplier helps you earn points faster on premium retail spending.
• Offers milestone-based rewards such as:
• Rs 1500 worth vouchers on spending Rs 1.5 lakh per quarter.
• Rs 5000 flight voucher on annual spends of Rs 5 lakh and another Rs 5000 voucher on reaching Rs 7.5 lakh.

The Regalia Gold is better suited for users who have high monthly spends and don’t mind waiting a little longer to redeem their points for higher value.

3. Redemption Value and Flexibility

HDFC Millennia

• Cashback is given in the form of CashPoints.
• You can redeem these at 1 CashPoint = Re 1 when adjusting against your credit card statement.
• Can also be used for travel and shopping redemption, though at a reduced value of 1 CashPoint = 0.30 paise.
• A maximum of 3000 CashPoints can be redeemed each month.
• Reward points remain valid for two years from the day they are credited.

Millennia is more straightforward in its rewards – especially useful for users who want to reduce their credit card bill directly using their earned cashback.

HDFC Regalia Gold

• Reward Points can be redeemed in multiple ways:
• 1 Point = Rs 0.65 when redeemed on premium catalog (products, gift vouchers).
• 1 Point = Rs 0.50 when booking flights and hotels via the SmartBuy portal.
• 1 Point = 0.50 Air Mile when converted to air miles for frequent flyer programs.
• 1 Point = Rs 0.20 when used to pay credit card bills.
• Reward Points are valid for 2 years.

This card gives you flexibility to redeem in the way that suits your lifestyle best, but it’s most rewarding when used for travel and luxury benefits rather than bill payments.

4. Lounge Access and Travel Privileges

HDFC Millennia

• Lounge access is based on quarterly spending milestones.
• On spending Rs 1 lakh per quarter, you can choose between: One free domestic airport lounge access, or A Rs 1000 gift voucher for popular brands.
• No international lounge access is provided.

Ideal for occasional domestic travellers who prefer cashback but still want limited lounge benefits.

HDFC Regalia Gold

• Offers 12 complimentary domestic airport lounge accesses per year (3 per quarter).
• Comes with free Priority Pass membership, which gives international airport lounge access. (Usage is limited to 6 international lounge visits per year for primary cardholder.)
• Includes free concierge assistance, help with travel bookings, and access to a dedicated travel desk.

Perfect for frequent flyers who need premium lounge access and travel assistance.

5. Insurance and Protection Benefits

HDFC Millennia

• Basic protection and fraud liability cover offered.
• Not a card focused on insurance benefits.

HDFC Regalia Gold

Comes with robust insurance coverage, such as:

• Rs 1 crore air accident insurance cover.
• Offers ₹15 lakh in health emergency protection when you're abroad.
• Rs 9 lakh credit liability cover, which protects you from fraudulent usage of your card in case of theft or loss.

Clearly, Regalia Gold goes far beyond Millennia in this category, offering security and peace of mind for high spenders and international travellers.

6. Fees, Charges and Eligibility

HDFC Millennia

• Joining Fee: Rs 1000 plus taxes
• Annual Renewal Fee: Rs 1000 plus taxes (waived if you spend more than Rs 1 lakh in a year)
• Eligibility:
• Salaried: Age between 21 and 40 years, monthly income above Rs 35,000
• Self-employed: Annual ITR above Rs 6 lakh

Millennia is easy to qualify for and doesn’t demand heavy annual spending for benefits, making it suitable for early earners and young professionals.

HDFC Regalia Gold

• Joining Fee: Rs 2500 plus taxes
• Annual Renewal Fee: Rs 2500 plus taxes (waived on spends of Rs 4 lakh in a year)
• Eligibility:
• Salaried: Age 21–60, monthly income above Rs 1.5 lakh
• Self-employed: Annual ITR above Rs 18 lakh

This is a premium credit card for high-income individuals who spend big and want more luxurious experiences and premium service.

7. Dining and Lifestyle Benefits

• HDFC Millennia: Up to 20 percent discount at partner restaurants via Swiggy Dineout.
• HDFC Regalia Gold: Up to 7.5 percent discount on dining via Swiggy Dineout and access to curated lifestyle offers.

Though Millennia offers higher dining discounts, Regalia Gold provides a more luxurious experience overall with lifestyle, shopping, and concierge privileges.

HDFC Millennia vs Regalia Gold – Feature-by-Feature Comparison Table

Feature / Benefit	HDFC Millennia Credit Card	HDFC Regalia Gold Credit Card
Card Type	Cashback Card	Premium Rewards Card
Best For	Online shopping, food delivery, basic rewards	High spenders, luxury, travel, and lifestyle
Reward Structure	5% Cashback (CashPoints) on Amazon, Flipkart, Swiggy, Zomato, etc.	4 Reward Points per Rs 150 spent; 5X points on premium partner brands
Reward Redemption	1 CashPoint = Re 1 (statement credit), 0.30 paise for travel/shopping	1 RP = Rs 0.65 (catalog), Rs 0.50 (travel), Rs 0.20 (bill payment)
Monthly Redemption Limit	3000 CashPoints	No strict cap; based on earned points
Lounge Access	1 free domestic lounge access or voucher on Rs 1 lakh/quarter spend	12 domestic + 6 international lounge visits via Priority Pass
Dining Benefits	Up to 20% off via Swiggy Dineout	Up to 7.5% off + luxury dining experiences
Insurance Benefits	Basic fraud protection only	Rs 1 crore air accident cover, Rs 15 lakh overseas medical, Rs 9 lakh liability
Joining Fee	Rs 1000 + taxes	Rs 2500 + taxes
Annual Fee	Rs 1000 + taxes (waived on Rs 1 lakh/year spend)	Rs 2500 + taxes (waived on Rs 4 lakh/year spend)
Reward Validity	2 years	2 years
Eligibility (Salaried)	Income above Rs 35,000/month; Age 21–40 years	Income above Rs 1.5 lakh/month; Age 21–60 years
Eligibility (Self-Employed)	ITR above Rs 6 lakh	ITR above Rs 18 lakh
Foreign Currency Markup Fee	3.5%	2%
Concierge & Lifestyle Privileges	Not available	Available

 

Which Card is Better for You: HDFC Millennia Credit Card vs Regalia Gold?

Go for HDFC Millennia if:

• You’re just starting your career or are a moderate spender.
• You mostly spend on online platforms like Amazon, Swiggy, and Flipkart.
• You prefer instant cashback over long-term reward accumulation.
• You want a low-maintenance card with great benefits under Rs 1000 annual fee.

Choose HDFC Regalia Gold if:

• You spend more than Rs 4 lakh per year and want to maximise premium rewards.
• You travel frequently, both domestically and internationally.
• You value lounge access, insurance coverage, travel concierge, and luxury experiences.
• You want a card that offers multiple reward redemption options beyond cashback.

If you're someone who values simple cashback with lower annual costs and spends largely on daily digital needs, the HDFC Millennia Credit Card is a solid option. But if you're a high-income earner looking for a premium lifestyle and travel card, then the HDFC Regalia Gold Credit Card is well worth the higher annual fee.

Frequently Asked Questions (FAQs)

1. HDFC Millennia Credit Card vs Regalia Gold: Which is Better for Cashback?

If you’re looking for cashback on everyday purchases and online shopping, the HDFC Millennia Credit Card is the better choice. It offers 5% cashback on select platforms like Amazon and Swiggy, making it ideal for frequent digital shoppers.

2. Is the HDFC Regalia Gold Credit Card Worth It for Luxury Purchases?

The HDFC Regalia Gold Credit Card is ideally designed for individuals with premium spending habits. With 5X reward points on luxury brands like Marks & Spencer and Myntra, it’s the ideal card for those who shop for premium items.

3. What Are the Foreign Transaction Fees on Both Cards?

The HDFC Millennia Credit Card has a foreign transaction fee of 3.5%, while the HDFC Regalia Gold Credit Card charges 2%. If you frequently make international purchases, the Regalia Gold may be a better option.

4. Can I Earn Travel Points on the HDFC Millennia Credit Card?

Yes, you can earn reward points on the HDFC Millennia Credit Card, but it’s better suited for cashback rather than travel rewards. For more travel benefits, the HDFC Regalia Gold Credit Card provides superior perks, including access to airport lounges and flight vouchers.

5. Which Card Has Better Insurance Benefits?

The HDFC Regalia Gold Credit Card offers comprehensive insurance coverage, including accidental air death cover of Rs. 1 crore and emergency hospitalization cover abroad. In comparison, the HDFC Millennia Credit Card does not offer any insurance benefits.

Read also: Cashback SBI Card vs. Axis Bank Ace Credit Card Comparison

Final View

In the debate of HDFC Millennia vs Regalia Gold, which is better, the answer depends on your financial preferences and lifestyle. If you’re looking for cashback on your digital and everyday purchases, the HDFC Millennia Credit Card is ideal. But if you’re after premium benefits, travel perks, and rewards on luxury items, the HDFC Regalia Gold Credit Card is the clear winner.

Choose wisely based on what suits your spending habits and lifestyle to maximize the benefits you receive from your credit card.