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 Card | HDFC Millennia Credit Card | |
| Joining Fees | ₹2500 + GST = ₹2950 (Generally FYF) | ₹1000 + GST = ₹1180 |
| Welcome Benefits | 2500 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 Benefits | 2500 Reward Points (Applicable only on payment of fees) | None |
| Renewal Fee Waiver | Spend ₹3L or more in a year. | Spend ₹1L or more in a year. |
Reward Accumulation
| Category | HDFC Regalia | HDFC 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/A | 5 CashPoints for every ₹100 spent (Maximum 1000 CashPoints/Month) |
| SmartBuy | 4 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
| Category | HDFC Regalia | HDFC 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
| Category | HDFC 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/A | 5% |
| SmartBuy | 0.53% (Base Reward Rate)^ + Upto 10% SmartBuy Cashback | 1% (Base Reward Rate)^ + Upto 10% SmartBuy Cashback |
| Milestone (Quarterly) | N/A | Reward 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
| Category | HDFC 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/A | 1.50% |
| SmartBuy | 1.33% (Base reward rate)^ + Upto 10% SmartBuy Cashback | 0.30% (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
| Category | HDFC 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
| Category | HDFC 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
| Category | HDFC Regalia Credit Card | HDFC Millennia Credit Card |
| Domestic Airport Lounge Access | 12 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 Access | 6 Visits/year using PriorityPass (No Quarterly Capping) Benefits shared with Add-on members | N/A |
| Foreign Currency Markup Charges | 2% + GST(Can be reduced to 1% using the Global Value Program.) | 3.5% + GST |
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.
Chief Editor, TechnoFino.
Personal finance nerd! Physics enthusiast and trainer. When not into Physics, he is minting points and hunting for the next best credit card for himself.
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 C2C basis ? And which icici card is better chances of approval ? plz help.
apply for coral credit card via c2c method.
Normal coral or Fuel coral ?
salary account basis pe easy mileage.
icici coral…
Icici coral or Icici HPCL coral better chance of approval ?
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 kiya ki mera upgrade request already approve ho chuka hai internal check k baad. Aur sath me upgrade form fill kar k scanned copy mail me attach kar diya. Tab se aaj tak koi reply nahi.
send a new email to priority redressal and ask for upgrade, also attach the copy of old email (approval email)
Thanks for the reply. I’ll try this procedure
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.
You have to take that decision. But Regalia would prove to be a better card for the purpose you are mentioning.
How to get the priority pass, I didn’t get it along while I received regalia credit card
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