HDFC Millennia Vs Regalia Which Is Better?

HDFC Millennia Vs Regalia Which Is Better?

When comparing the hdfc millennia vs. regalia credit cards, it is important to remember that both cards have their strengths and weaknesses. However, if you frequently travel internationally, you might find the Regalia credit card to be better for your needs. The Regalia card offers Priority Pass lounge access and lower markups on foreign currency transactions. For frequent international travelers, it is the best choice because it has so many advantages.

HDFC Millennia vs Regalia

If you’re looking to get the most out of your credit card, you’re probably wondering whether to sign up for an HDFC Millennia or HDFCI Regalia credit card. Both credit cards offer rewards and cashback, but Millennia offers a cashback feature and the Regalia offers reward points. Whether you’re self-employed or employed, both cards have advantages.

HDFC Millennia: The HDFC Millennia has premium features and is cheaper than its premium counterpart. It offers the best rewards for the lowest charges. HDFC Millennia provides perks such as lounge access and cashback on flights, airline, and hotel bookings. You can also earn cashback on online shopping. While HDFC Millennia has better rewards, it does have a high annual fee.

The HDFC Millennia also offers bonus points when you purchase something, which is nice if you’re constantly on the go. The HDFC Regalia also offers bonus points for purchasing gift vouchers, which is a great way to get extra rewards! Both of these credit cards also offer a welcome signup bonus! Once you’ve applied for the card, you can use your HDFC Regalia to make payments through CRED, which gives you more rewards.

HDFC Regalia: The HDFC Regalia credit card is an excellent option for those who travel frequently or have a high amount of debt. The card has great benefits and offers for travelers, but it comes with a high annual fee of Rs. 2,500. Regardless of the annual fee, HDFC Regalia has a generous rewards program that will reward you for spending a little extra on your expenses. It is the perfect credit card for people who travel often, shop online or dine out regularly.


HDFC Millennia Benefits

Key Features

  • 5% Cashback on Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber and Zomato
  • 1% cashback on all other spends (except Fuel) including EMI & Wallet transactions
  • ₹1000 worth of gift vouchers on the spending of ₹1,00,000 and above in each calendar quarter
  • Up to 20% discount on partner restaurants via Dineout
  • For detailed Terms & Conditions Click here

Additional Features

  • ​​​​​​​Zero lost card liability: In the unfortunate event of losing your HDFC Bank Millennia Credit Card, on reporting it immediately to our 24-hour call center, you have zero liability on any fraudulent transactions made on your Credit Card.
  • Interest-Free Credit Period: Up to 50 days of interest-free period on your HDFC Bank Millennia Credit Card from the date of purchase (subject to the submission of the charge by the Merchant)
  • Revolving Credit: Available at a nominal interest rate on your HDFC Bank Millennia Credit Card. Please refer to the Fees and Charges section to know more. Exclusive Dining Privileges: Good Food Trail Dining program at premium restaurants across top cities.
    Please refer to the Fees and charges section for more details.

Lounge Access

  • 8 Complimentary Domestic Lounge Access per calendar year (2 in a quarter)
  • Diners Club International Lounge Program Click here
  • Click here to check the list of lounges for other variants

(For Mastercard Cards, Rs.25 will be charged and immediately made void at the terminal for verification.

For Visa/Diners Cards, Rs.2 will be charged to the card account as a transaction for verification)

Fuel Surcharge Waiver

  • 1% fuel surcharge waiver at all fuel stations across India
    (on minimum transaction of ₹400 & maximum transaction of ₹5,000. Maximum waiver of ₹250 per statement cycle)

Welcome Benefit

  • 1000 Cash Points
    (applicable only on payment of membership fee)

Renewal Offer

  • Spend ₹1 lakh or more in the preceding 12 months and get the renewal membership fee waived off for next year.

HDFC Regalia Benefits

Key Features

  • 12 Complimentary Airport Lounge Access within India and 6 outside India.
  • Bonus 10,000 Reward Points on Rs. 5 lakhs spends and additional 5,000 Reward Points on Rs. 8 lakhs spends in an anniversary year.
  • Earn 4 Reward Points on every Rs.150 spent
    (On all retail* spends)

Additional Features

  • Zero Lost Card Liability: In the unfortunate event of losing your HDFC Bank Regalia Credit Card, on reporting it immediately to our 24-hour call center, you have zero liability on any fraudulent transactions made on your Credit Card.
  • Foreign Currency Markup: 2% on all your foreign currency spends.
  • ​​​​​​​Revolving Credit: Enjoy Revolving Credit on your HDFC Bank Regalia Credit Card at the nominal interest rate. Refer to the Fees and Charges section to know more click here.

Lounge Access

A. Complimentary Airport Lounge Access within India

  • 12 complimentary access per calendar year within India (both at domestic and international terminals) using the HDFC Bank Regalia Credit Card
  • Swipe your Regalia credit card at the lounge to avail the complimentary lounge access
    Click here to check the list of lounges
  • Visits exceeding the complimentary quota will be allowed at the discretion of the lounge and will also be chargeable by the lounge

B. Priority Pass

  • You can apply for Priority Pass for yourself and add on members once you complete a minimum of 4 retail transactions on your HDFC Bank Regalia Credit Card. Click here to apply.
  • Using Priority Pass, you and your add-on a member can together avail up to 6 Complimentary Lounge Access per calendar year, outside India.
  • If you exceed the 6 Complimentary visits, you will be charged at US $27 + GST per visit

Please note: Priority Pass in India will attract charges on your Credit Card. Click here to know more. You can visit www.prioritypass.com for list of lounge details.

Fuel Surcharge Waiver

  • 1% fuel surcharge waiver at all fuel stations across India
    ( on minimum transaction of ₹400 and maximum transaction of ₹5000 )

Click here for details

Dining Benefit

Exclusive complimentary Dineout Passport Membership which offers:

  • Assured flat 25% off at 2000+ premium restaurants
  • 1+1 on the buffet at 200+ restaurants
  • Additional 5% off and Zero convenience fee.
  • Early access to events and festivals such as Gourmetlicious*
  • Click Here for details.

NOTE: Dineout Passport Membership will not be applicable after 31st Dec 2021

Milestone Benefit

  • Earn Bonus of 10,000 Reward Points when you spend Rs. 5 lakhs in the anniversary year.
  • Earn additional 5,000 Reward Points when you spend Rs. 8 lakhs spends in the anniversary year
    *Terms & Conditions Apply

Renewal Offer

  • Renewal fee waived off if you spend more than 3L in the previous year​​​​​​​