Check below for a comparison between HDFC Millennia vs Regalia First Card and find which is better –

HDFC Millennia credit card vs HDFC Bank Regalia First Credit Card — HDFC Millennia vs Regalia First Card

In the spectrum of HDFC Bank credit cards, the choice between the HDFC Millennia Credit Card and the HDFC Regalia First Credit Card becomes a pivotal decision for individuals seeking customized financial advantages.

The HDFC Millennia Credit Card, tailored for the contemporary lifestyle, offers specialized benefits such as cashback on online shopping, travel expenses, and utility bills.

In contrast, the HDFC Regalia First Credit Card caters to a broader audience, providing a range of lifestyle privileges, including travel perks, dining discounts, and comprehensive rewards.

This comprehensive analysis delves into the unique attributes of each card, empowering users to make an informed decision based on their specific spending patterns, preferences, and lifestyle choices.

Whether you prioritize versatile cashback rewards or aspire to enjoy premium lifestyle benefits, understanding the nuanced features of these HDFC credit cards will guide you towards the one that seamlessly aligns with your financial goals and individual aspirations.

Overview of HDFC Millennia credit card

The HDFC Bank Millennia Credit Card proves to be a valuable cashback credit card, featuring multiple benefits.

When you opt for the Millennia credit card, you’re eligible for a 5% cashback on online purchases, spanning across Flipkart, Amazon, BookMyShow, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber, Zomato, and more.

Cashback, in the form of CashPoints, allows for versatile usage—clearing the card’s statement balance, booking flights/hotels, or purchasing from HDFC’s product catalogue.

Quarterly spending milestones bring valuable gift vouchers, paired with dining discounts of up to 20% and a fuel surcharge waiver. Welcome benefits, a renewal fee waiver, and complimentary lounge visits at domestic airports in India add to the cardholder’s advantages.

Overview of HDFC Bank Regalia First Credit Card

HDFC’s Regalia Credit Card series stands out as one of the most coveted and premium credit card offerings in its portfolio.

Among these, the Regalia First Credit Card is noteworthy, presenting a range of travel perks and lifestyle advantages.

This card ensures the accumulation of Reward Points on every transaction, be it retail purchases, utility bill payments, or rent settlements.

Beyond this, cardholders can indulge in delightful dining experiences through the enticing Good Food Trail Program.

The renewal and milestone benefits of the card offer the opportunity to earn bonus rewards of up to 8,500 points annually.

Additionally, if your card spends surpassing Rs. 1 lakh within a card anniversary year, the annual fee stands eligible for a waiver.

HDFC Millennia vs Regalia First Card

Features/Charges	HDFC Millennia Credit Card	HDFC Bank Regalia First Credit Card
Joining Fees	Rs.1,000 + tax	Rs. 1000 + Taxes
Annual Fees	Rs. 1,000 + tax	Rs. 1000 + Taxes
Welcome Benefits	Take pleasure in the favorable offerings linked to 1,000 CashPoints.	Obtain 1000 reward points upon settling the membership fees.
Cashback / Rewards point	Obtain a 5% cashback benefit for your online spending, encompassing popular sites like Flipkart, Amazon, BookMyShow, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber, Zomato, and others.	Gain 4 reward points when you make a purchase of Rs. 150 using this card.
Dining benefits	Seize the opportunity to get a 20% discount at elite restaurants across cities via the Good Food Trail Dining program.	Enjoy exclusive dining discounts at top-notch restaurants through the Good Food Trail dining program in major cities when you use this card.
Travel benefits	Avail yourself of up to eight complimentary visits to domestic lounges each calendar year, limited to two visits per quarter.	N/A
Annual fees waiver	Achieve an annual fee waiver by reaching 1 Lakh in expenditures, covering your renewed Joining Fees with this card.	Qualify for an annual fee exemption by reaching a spending threshold of Rs. 1 lakh or more with this card.
Fuel surcharge waiver	Receive a 1% fuel surcharge waiver on transactions falling between Rs. 400 and Rs. 5,000.	Obtain a 1% exemption on fuel surcharge when you use this card at fuel stations.