Hdfc Millennia Credit CardHdfc Regalia Gold Credit Card

Side-by-side comparison of fees, rewards, benefits & more

Hdfc Millennia Credit Card

Hdfc Millennia Credit Card

HDFC Bank

3.5/5
Recommended
Hdfc Regalia Gold Credit Card

Hdfc Regalia Gold Credit Card

HDFC Bank

4.5/5
Recommended
Feature
Hdfc Millennia Credit Card
Hdfc Regalia Gold Credit Card
Bank / Issuer
HDFC Bank
HDFC Bank
Card Network
Visa
Mastercard
Card Type
premium
premium
Annual Fee
Rs. 1,000 + GST
₹2,500 + GST
Joining Fee
₹499 + GST
First Year Fee
₹ 1500
₹2,500 + GST
Fee Waiver Condition
(Waived off on spending Rs. 1 lakh in the previous year)
Waived for the next year if you spend ₹4 Lakh in the preceding anniversary year.
Contactless Payment
Effectively Free

Fee & Charges Summary

Hdfc Millennia Credit Card

Fee499

Hdfc Regalia Gold Credit Card

Fee

Hdfc Millennia Credit Card — Highlights

  • 5% cashback on popular everyday brands's
  • 1,000 bonus points on card activation's
  • Up to 10% off on partner restaurants's
  • Joining Fee: ₹1,000+ Taxes
  • Annual/Renewal Fee: ₹1,000+ Taxes

Hdfc Regalia Gold Credit Card — Highlights

  • Best-in-Class Redemption: Reward points can be redeemed against the Exclusive Gold Catalogue (Apple, Bose, etc.) at a high value of 1 RP = ₹0.65.

Frequently Asked Questions

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Hdfc Millennia Credit Card vs Hdfc Regalia Gold Credit Card 2026 | Compare Annual Fee, Rewards & Benefits