HDFC Bank Millennia vs Regalia First Credit Card

1. Receive 1,000 Cash Points as a welcome benefit.
2. Earn 5% cashback (in the form of cash points) on partner brands, including BookMyShow, Amazon, Myntra, Flipkart, Uber, Zomato, SonyLiv, Swiggy, TataCliq, and more.
3. Earn 1% Cashback on all other spends.
4. Redeem 1 Cash Point for Rs. 1 against the statement balance and 1 Cash Point for Rs. 0.30 against other categories.
5. Enjoy discounts of up to 20% on dining at participating restaurants across the country with the Dineout App.

1. Receive eight complimentary domestic lounge access per year.
2. Diners Club variant holders receive two complimentary international lounge visits per quarter.
3. The annual fee of Rs. 1,000 is waived if customers spend more than or about Rs. 1 lakh in the previous anniversary year.
4. On all fuel transactions worth Rs. 400 and above, get a 1% fuel surcharge waiver, with a maximum benefit of Rs. 250 per billing cycle.

HDFC Regalia First Credit Card

The HDFC Regalia First Credit Card shares similarities with the Millennia Credit Card in terms of charges and features, with an annual fee of Rs. 2,500. However, it differs in terms of its rewards system. With this card, you can earn 4 Reward Points on every Rs. 150 spent, where the value of 1 Reward Point is up to Rs. 0.30. You can also earn up to 7,500 bonus Reward Points annually upon achieving a spending milestone. In addition, to reward benefits, this card provides several advantages, such as complimentary airport lounge access, exciting discount offers on dining, and much more. The following points provide a detailed understanding of the features and benefits of the HDFC Regalia First Credit Card:

1. You receive 2,500 Reward Points as a part of the joining bonus.
2. With this Credit Card, you can collect 4 Reward Points for every Rs. 150 spent.
3. With this Credit Card, you can collect a cashback of 5% on travel and shopping spends through the HDFC Smartbuy portal.
4. 1 Reward Point = Rs. 0.30 for flight/hotel bookings through SmartBuy, 1 Reward Point = Rs. 0.25 for redemption against products and vouchers, and 1 RP = Rs. 0.15 for redemption against cashback.

1. You can avail of a discount of up to 20% on dining at over 2,000 partner restaurants across the country with the Dineout App.
2. You receive 12 complimentary domestic lounge access every year.
3. You receive six complimentary international lounge access every year with the complimentary Priority Pass.
4. You get an insurance cover of Rs. 50 lakhs against accidental air death.
5. For all fuel transactions between Rs. 400 and Rs. 5,000, you get a 1% fuel surcharge waiver.

1. You can waive the annual fee of Rs. 1,000 by spending Rs. 3 lakh or more in the previous year.

Key Highlights of HDFC Bank Millennia vs Regalia First Credit Card

Which Credit Card is the Right Choice for You?

The HDFC Regalia First and HDFC Millennia Credit Cards cater to different customer needs. The Regalia First is ideal for frequent domestic and international travelers who want to earn reward points, while the Millennia Card is better suited for those seeking cashback and benefits for domestic travel. The Millennia Card has lower income requirements, with a minimum monthly income of Rs. 35,000, compared to Rs. 1 lakh for the Regalia Card. Choose the Millennia Card for cashback and welcome benefits, and the Regalia Card for reward points and travel perks, keeping in mind its higher annual fee and spending milestones.