HDFC Regalia Vs Millennia Credit Card | The Clash Of Cards

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HDFC Regalia Credit Card v/s HDFC Millennia Credit Card

Here’s an in-depth comparison of HDFC Regalia Credit Card and HDFC Millennia Credit Card. I have already posted their detailed individual reviews on TechnoFino and you can go through them for detailed information. I am today going to compare both the cards side-by-side for you.

Watch HDFC Regalia Vs Millennia Credit Card – https://youtu.be/MnbttkU7iTE

Charges and Welcome Benefits

HDFC Regalia Credit CardHDFC Millennia Credit Card
Joining Fees₹2500 + GST = ₹2950 (Generally FYF)₹1000 + GST = ₹1180
Welcome Benefits2500 Reward Points (Applicable only on payment of fees)1000 Cash Points (Applicable only on payment of fees)
Renewal Fees₹2500 + GST = ₹2950₹1000 + GST = ₹1180
Renewal Benefits2500 Reward Points (Applicable only on payment of fees) None
Renewal Fee WaiverSpend ₹3L or more in a year.Spend ₹1L or more in a year.

Reward Accumulation

CategoryHDFC RegaliaHDFC Millennia
Base Reward Rate^4 Reward Points for every ₹150 spent (No Capping)1 CashPoint (Maximum 1000 CashPoints/Month)
Special Category(List Of Merchants – Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber and Zomato)N/A5 CashPoints for every ₹100 spent
(Maximum 1000 CashPoints/Month)
SmartBuy4 Reward Points for every ₹150 spent (Base Reward Rate)^ + Upto 10% SmartBuy Cashback 
(Maximum Cashback – ₹2000/Month)
1% (Base Reward Rate)^ + Upto 10% SmartBuy Cashback 
(Maximum SmartBuy Cashback – ₹1000/Month)

Milestone Benefits

CategoryHDFC RegaliaHDFC Millennia
Milestone (Quarterly)N/A₹1000 worth of gift vouchers on spending ₹1,00,000 and above in each calendar quarter.
Milestone (Annually)On spending 5L – Get 10,000 Bonus Points.
On spending 8L – Get another 5,000 Bonus Points, Total – 15,000 Points.
N/A

Reward Rate for Cash Redemption

CategoryHDFC Regalia (Cash Redemption, 1RP = ₹0.20)HDFC Millennia (1 Cashpoint = ₹1)
Base Reward Rate^0.53%1%
Special Category(List Of Merchants – Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber and Zomato)N/A5%
SmartBuy0.53% (Base Reward Rate)^ + Upto 10% SmartBuy Cashback1% (Base Reward Rate)^ + Upto 10% SmartBuy Cashback 
Milestone (Quarterly)N/AReward rate – 1%
Milestone (Annually)On spending 5L 
Reward rate – 0.40%
On spending 8L
Reward rate – 0.38%
N/A

Reward Rate for Travel Redemptions

CategoryHDFC Regalia (Travel Redemption, 1RP = ₹0.5)HDFC Millennia (1 Cashpoint = ₹0.30p)
Base Reward Rate^1.33%0.30%
Special Category(List Of Merchants – Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber and Zomato)N/A1.50%
SmartBuy1.33% (Base reward rate)^ + Upto 10% SmartBuy Cashback0.30% (Base reward rate)^ + Upto 10% SmartBuy Cashback 
Milestone (Quarterly)N/A₹1000 worth of gift vouchers on spending ₹1,00,000 and above in each calendar quarter.
Reward rate – 1%
Milestone (Annually)On spending 5L
Reward rate – 1%
On spending 8L
Reward rate – 0.94%
N/A

Value Back Comparison

We are giving you a value-back comparison that if we spend ₹42,000 Per Month (₹5,04,000/Year) so that we are free from the annual fees of both cards.

Redemption Calculations for HDFC Regalia Credit Card

CategoryHDFC Regalia Credit Card
SmartBuy spending –(Flight- 10K, GV – 10K, Amazon/Flipkart – 10K)₹1500 Cashback/month X 12 = ₹18,000 per year & 800 Regular points/month X 12 = 9,600 Points per year
All other spending – ₹12000/month (Bills, Normal Online/Offline)320 Points/month X 12 = 3840 Points

Now if we spend ₹42,000 per month that means ₹504000/Year, Then, We will be eligible for 10,000 Bonus Points (10K points for spending 5L in a year).

So total points we’ll earn in a year –
9,600 + 3,840 Normal Points + 10,000 Bonus Points = 23,440 Reward Points.

So if we redeem for cash, Then we’ll get ₹4,688 value from 23,440 Points.
Total Value Back: (18,000+4,688) = ₹22,688 ;
Reward Rate: 4.50%

And If we redeem for travel, Then we’ll get ₹11,720 value from 23440 points.
Total value back: (18,000+11,720) = ₹29,720
Reward Rate: 5.90%


Redemption Calculations for HDFC Millennia Credit Card

CategoryHDFC Millennia Credit Card
SmartBuy spending –(Flight- 10K, GV – 10K) ₹1000 Cashback (Smartbuy CB)/month X 12 = ₹12,000 per year & ₹200 CashPoints (Regular 1% Category)/month X 12 = 2400 CashPoints
Total – ₹12000 CashBack and 2400 CashPoints per year 
Amazon/Flipkart (Direct 5% Category) – 10K/month₹500 CashPoints/month X 12 = 6000 CashPoints per year.
All other spending – ₹12000/month (Bills, Normal Online/Offline)₹120 CashPoints/month X 12 = 1440 CashPoints per year.

Now if we spend ₹42,000/Month that means ₹1,26,000/Quarter. Then, we will be eligible for a ₹1,000 gift voucher every quarter (Quarterly Milestone Benefits).
So total value back we’ll earn in a year –


So if we redeem for cash then Quarterly Bonus – {(₹1000 X 4) = ₹4000} + Regular Cashback {(14,400 + 6,000 + 1,440) = ₹21,840}
Total Value Back – 25,840
Reward Rate – 5.13%

And if we redeem for flight then Quarterly Bonus – {(₹1000 X 4) = ₹4000} + SmartBuy Cashback
{(₹1000 X 12) = ₹12000} + Travel Redemption Value {(2,400 + 6,000 + 1,440) x ₹0.30p = ₹2952}
Total Value Back – ₹18952
Reward Rate – 3.76%

HDFC Regalia clearly gives the most value when redemption is done for flights and hotel bookings and not for cashback whereas the opposite is true in the case of HDFC Millennia. This one reason can be a deciding factor for your choice among the two cards.

Lounge Access

CategoryHDFC Regalia Credit CardHDFC Millennia Credit Card
Domestic Airport Lounge Access12 Visits/year (No Quarterly Capping)
Shared with Add-on members
8 Visits/year (Maximum 2 Visits/quarter)
Not available for Add-on members
International Airport Lounge Access6 Visits/year using PriorityPass
(No Quarterly Capping)
Benefits shared with Add-on members
N/A
Foreign Currency Markup Charges2% + GST(Can be reduced to 1% using the Global Value Program.)3.5% + GST
Priority Pass provided with HDFC Regalia Credit Card.

The shared domestic and international lounge access is unique to a mid-range category card like HDFC Regalia.

Which one is your favourite card out of the two? Share your thoughts below.

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Gupt

Hi Bro, I’ve no Icici credit card. I’m using Axis Flipkart card from 1.5 yrs with limit of 95k & sbi Bpcl octane card from 6 months with limit of 2.4 lakh. I’m a state govt salaried person with gross 33k & net a/c credit 28k. SBI is my salary a/c. I’ve applied before 6 months for icici card with salary slip when gross salary below 30k ; but declined several times. My cibil is 750+. I want to apply now for icici card. I’ve saving a/c in ICICI. which method is better chance of approval via salary slip or… Read more »

Sumanta Mandal

apply for coral credit card via c2c method.

Gupt

Normal coral or Fuel coral ?

Sumanta Mandal

salary account basis pe easy mileage.
icici coral…

Gupt

Icici coral or Icici HPCL coral better chance of approval ?

Lost

Please help me to upgrade existing HDFC CC into Millenia CC.. 11th January ko maine HDFC moneyback+ CC (Limit 1.2 lakh) Millennia CC me upgrade karne ka request diya tha. 12th January ko reply aaya “Your upgrade request approved after reviewing your application. Please reply with confirmation.” Same day maine reply kiya upgrade karne ko. Uske baad seedha 7th Feb ko mail aaya “To review your request, kindly forward the duly filled in form along with the self-attested income / supporting documents accompanied with a signed letter mentioning Millennia credit card to the below mentioned address.” Same day maine reply… Read more »

Sumanta Mandal

send a new email to priority redressal and ask for upgrade, also attach the copy of old email (approval email)

Lost

Thanks for the reply. I’ll try this procedure

Shimon

i have millenia cc. and also sbi vistara prime + priority pass. i do international travel so need international lounges. should i upgrade to regalia or hold on to the same ? as regalia has low markup and more int lounge than sbi card prime. kindly help me to make a decision.

Ramesh

How to get the priority pass, I didn’t get it along while I received regalia credit card

debiprasad nayak

I have a Regalia card life time free for last 6-7 years with limit of 7.5 lakh. If I apply to upgrade it to Infinia, can I do it. Will it be also life time free? If not is it worth taking by paying Rs 12500+GST