HDFC Bank offers a variety of credit cards tailored to different lifestyles, spending habits, and financial goals. Among its offerings, the HDFC Regalia and HDFC Millennia Credit Cards stand out for their unique features and benefits.

While both cards cater to distinct customer segments, they offer value in terms of rewards, travel perks, and lifestyle privileges. This article provides an in-depth comparison of the HDFC Regalia and HDFC Millennia Credit Cards, helping you decide which one aligns better with your needs.

HDFC Regalia Credit Card

The HDFC Regalia Credit Card is a premium offering designed for individuals who value luxury and exclusivity. It provides a balanced mix of reward points, travel benefits, and dining privileges, making it ideal for frequent travelers and those who enjoy a high-end lifestyle.

Key Features:

• Annual Fee: ₹2,500 + GST (waived on spending ₹3 lakhs annually)
• Welcome Benefit: 2,500 reward points on activation
• Reward Points: 4 reward points for every ₹150 spent
• Travel Benefits: Complimentary airport lounge access, travel insurance up to ₹1 crore
• Dining Privileges: Up to 15% discount at partner restaurants

HDFC Millennia Credit Card

The HDFC Millennia Credit Card is targeted at millennials and young professionals who are digital-savvy and prefer online shopping. It offers attractive cashback rewards on online and offline purchases, making it an excellent choice for those who prioritize savings and convenience.

Key Features:

• Annual Fee: ₹1,000 + GST (waived on spending ₹1 lakh annually)
• Welcome Benefit: 1,000 cash points on activation
• Reward Points: 5% cashback on Amazon, Flipkart, and other major online platforms; 2.5% cashback on offline spends
• Travel Benefits: 8 complimentary domestic lounge access annually
• Dining Privileges: 5% cashback at select restaurants

Comparison Table: HDFC Regalia vs. HDFC Millennia Credit Card

To provide a clear picture of how these two cards compare, here’s a detailed table highlighting their key features and benefits:

Feature	HDFC Regalia Credit Card	HDFC Millennia Credit Card
Annual Fee	₹2,500 + GST	₹1,000 + GST
Welcome Bonus	2,500 reward points	1,000 cash points
Reward Points/Cashback	4 points/₹150 spent	5% on Amazon, Flipkart; 2.5% on offline spends
Lounge Access	12 domestic & 6 international/year	8 domestic/year
Foreign Currency Markup	2%	3.5%
Dining Privileges	Up to 15% discount	5% cashback at select restaurants
Travel Insurance	Coverage up to ₹1 crore	N/A
Fuel Surcharge Waiver	1% (₹400/month max)	1% (₹250/month max)
Concierge Services	Yes	No
Eligibility	Minimum annual income of ₹12 lakhs	Minimum annual income of ₹4.8 lakhs

Key Benefits of HDFC Regalia Credit Card

1. Reward Points: Earn 4 reward points for every ₹150 spent. These points can be redeemed for travel bookings, shopping, or even converted into air miles, making the Regalia card highly rewarding for frequent travelers.
2. Airport Lounge Access: Enjoy 12 complimentary domestic lounge visits and 6 international lounge visits per year, providing comfort and luxury during your travels.
3. Travel Insurance: The card comes with a comprehensive travel insurance package, offering coverage up to ₹1 crore, which includes emergency hospitalization and air accident cover.
4. Dining Privileges: Cardholders can avail up to 15% discount at select premium restaurants, adding value to their dining experiences.
5. Concierge Services: The 24×7 concierge service assists with travel bookings, reservations, and other personal services, ensuring a seamless experience.

Key Benefits of HDFC Millennia Credit Card

1. Cashback Rewards: The HDFC Millennia Credit Card offers 5% cashback on major online shopping platforms like Amazon, Flipkart, Myntra, and more. Additionally, 2.5% cashback is offered on offline transactions and other online spends.
2. Welcome Benefits: New cardholders receive 1,000 cash points as a welcome bonus, which can be redeemed for future purchases or converted into cashback.
3. Domestic Lounge Access: Cardholders can access domestic airport lounges 8 times a year, enhancing the travel experience without incurring additional costs.
4. Low Annual Fee: With an annual fee of ₹1,000 (waived on spending ₹1 lakh annually), the Millennia card is an affordable option that provides significant value, especially for young professionals.
5. Dining Cashback: Earn 5% cashback at select restaurants, making dining out more rewarding and cost-effective.

Which Card Should You Choose?

Choosing between the HDFC Regalia and HDFC Millennia Credit Cards depends on your lifestyle, spending patterns, and financial objectives. Here’s a quick guide on who might benefit more from each card:

• HDFC Regalia Credit Card: Ideal for individuals who travel frequently, dine out often, and prefer luxury services. The Regalia card offers extensive travel perks, higher reward points, and comprehensive insurance coverage, making it a perfect choice for those who prioritize premium benefits.
• HDFC Millennia Credit Card: Best suited for millennials and young professionals who are tech-savvy and enjoy online shopping. The card offers excellent cashback rewards on online purchases, a lower annual fee, and valuable dining cashback, making it a great option for those who prefer a cost-effective yet rewarding credit card.

Other Considerations

• Annual Fee Waiver: Both cards offer the possibility of getting the annual fee waived if you reach a specific annual spending threshold. For the Regalia card, the fee is waived on spending ₹3 lakhs in a year, while for the Millennia card, the threshold is ₹1 lakh.
• Foreign Currency Transactions: If you frequently make international purchases, the Regalia card offers a lower foreign currency markup fee (2%) compared to the Millennia card (3.5%), making it a better option for frequent travelers.
• Reward Redemption: The Regalia card allows you to redeem reward points for a variety of options including air miles, travel bookings, and merchandise. The Millennia card, on the other hand, focuses on cashback, which can be redeemed as statement credit or for future purchases.
• Travel Benefits: While both cards offer airport lounge access, the Regalia card provides more extensive coverage with both domestic and international lounges, making it a better option for global travelers.

Our Recommendation

Both the HDFC Regalia and HDFC Millennia Credit Cards offer distinct benefits customized to different customer segments. The Regalia card is designed for those who seek luxury, travel frequently, and prefer high-end experiences. It offers higher reward points, extensive travel insurance, and comprehensive lounge access, making it a top choice for premium users.

On the other hand, the Millennia card is crafted for the modern, digital-savvy individual who values cashback on online and offline purchases. With its affordable annual fee, significant cashback rewards, and focus on online shopping and dining, it is an excellent option for young professionals and millennials.

Before making a decision, consider your spending habits, travel frequency, and preferred rewards. Both cards are designed to offer substantial value, but the right choice will depend on how well the card’s features align with your lifestyle and financial goals. Whether you choose the Regalia or the Millennia, HDFC Bank ensures a rewarding experience with a range of benefits tailored to your needs.