HDFC Millennia Credit Card vs Regalia Gold Credit Card
HDFC Bank · HDFC Bank — side-by-side CardCheck comparison
CardCheck Score BattleDeterministic 0–100 Benchmark Rating
100% Unsponsored MITC Data
HDFC BankScoreVery Good
Annual Fee₹1,000
Max Reward5%
HDFC BankScoreExcellent
Annual Fee₹2,500
Max Reward6.67%
Regalia Gold Credit Card leads overall with a CardCheck Score of 82/100 (+9 pts over HDFC Millennia Credit Card).
4-Pillar Head-to-Head Breakdown
HDFC vs RegaliaReward Power
35%HDFC34/35
Regalia34/35
Tie (34/35)
Fee Value & ROI
25%HDFC20/25
Regalia18/25
HDFC Wins
Lounge & Travel
20%HDFC11/20
Regalia18/20
Regalia Wins
Forex & Access
20%HDFC8/20
Regalia12/20
Regalia Wins
01—CardCheck Score & Pillars
- CardCheck Score
- 73
- 82Best
- Rating Verdict
- Very Good
- Excellent
- Reward Power (35%)
- 34/35
- 34/35
- Fee Value & ROI (25%)
- 20/25
- 18/25
- Lounge & Travel (20%)
- 11/20
- 18/20
- Forex & Access (20%)
- 8/20
- 12/20
02—Basic Info
- Bank
- HDFC Bank
- HDFC Bank
- Network
- Visa
- Mastercard
- Card type
- Regular
- Premium
- Best for
- online shoppers
- Travel rewards
03—Fees
- Joining fee
- ₹1,000Best
- ₹2,500
- Annual fee
- ₹1,000Best
- ₹2,500
- Fee waiver
- ₹1,00,000Best
- ₹4,00,000
- Interest-free days
- 50
- 50
04—Interest
- APR (min)
- 43.2%
- 43.2%
- APR (max)
- 43.2%Best
- 45%
- Late payment fee
- ₹1,300
- ₹1,300
- Cash advance fee
- 2.5%
- 2.5%
05—Rewards
- Reward type
- cashback
- points
- Min rate
- 1%
- 1.33%Best
- Max rate
- 5%
- 6.67%Best
- Points / ₹100
- 1
- 2.67Best
- Point value
- ₹1
- ₹0.5
- Monthly cap
- ₹2,000
- —
06—Travel & Lounge
- Domestic lounge / qtr
- 1
- 3Best
- Lounge spend criteria
- On ₹1 lakh spend in a calendar quarter, customer can choose either 1 lounge voucher OR ₹1,000 brand voucher
- ₹60,000 spend in preceding calendar quarter
- Intl lounge / year
- 0
- 6Best
- Priority Pass
- DreamFolks
07—Forex & Fuel
- Forex markup
- 3.5%
- 2%Best
- Fuel surcharge waiver
08—Features
- Metal card
- Contactless
- UPI linked
09—Eligibility
- Min income / month
- ₹35,000
- ₹1,00,000
- Invite only
Rows won
04of 11
07of 11
| Attribute ↓ | ||
|---|---|---|
01—CardCheck Score & Pillars Differences highlighted | ||
| CardCheck Score | 73 | 82Best |
| Rating Verdict | Very Good | Excellent |
| Reward Power (35%) | 34/35 | 34/35 |
| Fee Value & ROI (25%) | 20/25 | 18/25 |
| Lounge & Travel (20%) | 11/20 | 18/20 |
| Forex & Access (20%) | 8/20 | 12/20 |
02—Basic Info Differences highlighted | ||
| Bank | HDFC Bank | HDFC Bank |
| Network | Visa | Mastercard |
| Card type | Regular | Premium |
| Best for | online shoppers | Travel rewards |
03—Fees Differences highlighted | ||
| Joining fee | ₹1,000Best | ₹2,500 |
| Annual fee | ₹1,000Best | ₹2,500 |
| Fee waiver | ₹1,00,000Best | ₹4,00,000 |
| Interest-free days | 50 | 50 |
04—Interest Differences highlighted | ||
| APR (min) | 43.2% | 43.2% |
| APR (max) | 43.2%Best | 45% |
| Late payment fee | ₹1,300 | ₹1,300 |
| Cash advance fee | 2.5% | 2.5% |
05—Rewards Differences highlighted | ||
| Reward type | cashback | points |
| Min rate | 1% | 1.33%Best |
| Max rate | 5% | 6.67%Best |
| Points / ₹100 | 1 | 2.67Best |
| Point value | ₹1 | ₹0.5 |
| Monthly cap | ₹2,000 | — |
06—Travel & Lounge Differences highlighted | ||
| Domestic lounge / qtr | 1 | 3Best |
| Lounge spend criteria | On ₹1 lakh spend in a calendar quarter, customer can choose either 1 lounge voucher OR ₹1,000 brand voucher | ₹60,000 spend in preceding calendar quarter |
| Intl lounge / year | 0 | 6Best |
| Priority Pass | ||
| DreamFolks | ||
07—Forex & Fuel Differences highlighted | ||
| Forex markup | 3.5% | 2%Best |
| Fuel surcharge waiver | ||
08—Features Differences highlighted | ||
| Metal card | ||
| Contactless | ||
| UPI linked | ||
09—Eligibility Differences highlighted | ||
| Min income / month | ₹35,000 | ₹1,00,000 |
| Invite only | ||
| Rows won | 04of 11 | 07of 11 |
Quick Verdict & Key Differences
Verified MITC Data
| Key Specification | HDFC Millennia Credit Card | Regalia Gold Credit Card |
|---|---|---|
| CardCheck Score | 73/100Very Good | 82/100Excellent |
| Annual Fee | ₹1,000 | ₹2,500 |
| Fee Waiver Spend | ₹1L/yr | ₹4L/yr |
| Max Reward Potential | 5% | 6.67% |
| Domestic Lounge Access | 1 / quarter | 3 / quarter |
| International Lounge | None | 6 / year |
| Forex Markup Fee | 3.5% | 2% |
Choose HDFC Millennia Credit Card if:
Your spending centers around online shoppers and you want direct partner rewards with HDFC Bank.
Choose Regalia Gold Credit Card if:
Your spending aligns with travel rewards and you prioritize HDFC Bank's redemption benefits.
Popular Comparisons for HDFC Millennia Credit Card
Direct side-by-side MITC term matchups
Popular Comparisons for Regalia Gold Credit Card
Direct side-by-side MITC term matchups
Frequently asked questions: HDFC Millennia Credit Card vs Regalia Gold Credit Card
- Which is better: HDFC Millennia Credit Card or Regalia Gold Credit Card?
- Regalia Gold Credit Card holds a higher overall rating with a CardCheck Score of 82/100 (Excellent) compared to 73/100 (Very Good) for HDFC Millennia Credit Card (a lead of +9 points). Regalia Gold Credit Card gains its scoring lead primarily through lounge & travel privileges (18 vs 11) and forex & terms (12 vs 8) while tying on reward potential.
- How do annual fees and fee waiver spend rules compare?
- HDFC Millennia Credit Card charges an annual fee of ₹1,000 with an annual spend threshold of ₹1 Lakh for renewal fee waiver. In comparison, Regalia Gold Credit Card charges an annual fee of ₹2,500 with an annual spend threshold of ₹4 Lakh.
- How do the reward rates and cashback compare between HDFC Millennia Credit Card and Regalia Gold Credit Card?
- HDFC Millennia Credit Card offers a base reward rate of 1% and up to 5% on accelerated partner categories. Meanwhile, Regalia Gold Credit Card offers a base rate of 1.33% and up to 6.67% on eligible spends. Compare net returns against your monthly spend in our Rewards Calculator.
- Which card has better airport lounge access: HDFC Millennia Credit Card or Regalia Gold Credit Card?
- HDFC Millennia Credit Card provides 1 complimentary domestic lounge visit per quarter (4/year) (On ₹1 lakh spend in a calendar quarter, customer can choose either 1 lounge voucher OR ₹1,000 brand voucher). On the other hand, Regalia Gold Credit Card provides 3 complimentary domestic lounge visits per quarter (12/year) and 6 international lounge visits/year with Priority Pass (₹60,000 spend in preceding calendar quarter).
- Which card is better for international foreign currency spends?
- HDFC Millennia Credit Card levies a foreign currency markup fee of 3.5%, while Regalia Gold Credit Card charges 2%. Lower forex markup directly reduces costs when transacting overseas or on international e-commerce platforms.
- Is CardCheck's comparison data unbiased and verified against official bank MITC?
- Yes. All credit card fees, interest rates, lounge visit quotas, and reward calculations on CardCheck are 100% unsponsored and verified directly against each bank's official Most Important Terms & Conditions (MITC).