HDFC Millennia Vs HDFC Regalia Gold Credit CardHDFC Millennia Vs HDFC Regalia Gold Credit Card

When you’re seeking a credit card, it’s vital to weigh its potential effects on your financial path. Take into account your individual financial situation, spending tendencies, and the perks offered by the card. HDFC’s Millennia and Regalia Gold Credit Cards stand out as favored selections, given HDFC’s strong presence in India’s credit card sector. Picking the most suitable credit card might seem overwhelming, which is why we’ve developed an article contrasting these two options. Our objective is to furnish you with insights that empower you to make a well-informed choice tailored to your precise requirements.

Features & Benefits of HDFC Millennia and Regalia Gold Credit Card

HDFC Bank Millennia Credit Card:

  1. 5% cashback on popular e-commerce sites: Amazon, BookMyShow, Cult. fit, Flipkart, Sony LIV, Swiggy, Tata CLiQ, and Zomato.
  2. 1% cashback on eligible online and offline spends.
  3. 5% and 1% cashback with a cap of 1,000 Reward Points for both categories.
  4. HDFC Millennia Credit Card provides only 4 complimentary domestic lounge visits.
  5. To unlock lounge access with Millennia, a minimum quarterly spending of Rs. 1 lakh is required.

HDFC Bank Regalia Gold Card:

  1. Earn 20 Reward Points when you spend Rs. 150 at Myntra, Marks and Spencers, Nykaa, or Reliance Digital.
  2. Get 4 reward points for every Rs. 150 spent on retail purchases.
  3. Enjoy 5X Reward Points, with a monthly cap of 5,000 RPs.
  4. Base Reward Points have no limits.
  5. HDFC Regalia Gold Card provides 12 domestic lounge visits within India and includes a priority pass membership.
  6. Opt for Regalia Gold for enhanced travel perks, particularly international lounge access, for superior benefits.

Fee & Charges of HDFC Millennia and Regalia Gold Credit Card

HDFC Bank Millennia Credit Card:

  1. Joining fee Rs. 1,000; GST applicable.
  2. 1,000 CashPoints as a welcome benefit.

HDFC Bank Regalia Gold Card:

  1. Higher fee of Rs. 2,500; GST applicable.
  2. Rs. 2,500 vouchers, MMT Black Elite, and Club Vistara Silver Tier on spending Rs. 1 lakh within 90 days.

Comparison b/w HDFC Millennia and Regalia Gold Credit Cards

HDFC Millennia Credit Card:

1. Annual Fee: Rs. 1,000
2. Welcome Benefits: 1,000 Cash Points
3. Reward Redemption: 1 Cash Point = Rs. 1 for outstanding balance, Rs. 0.30 for other categories
4. Reward Rate: 5% cashback on Zomato, Uber, Amazon, etc.; 1% cashback on other spends
5. Milestone Benefits: Not Applicable
6. Additional Benefits:

  • Eight complimentary domestic lounge accesses per year
  • Up to 20% dining discount at partner restaurants (Dineout App)
  • Annual fee waiver on spending Rs. 1 lakh in the previous year

HDFC Regalia Gold Credit Card:

1. Annual Fee: Rs. 1,000
2. Welcome Benefits: 2,500 Reward Points
3. Reward Redemption:

  • 1 Reward Point = Rs. 0.3 for flights and hotel bookings
  • 1 Reward Point = Rs. 0.25 for products and vouchers
  • 1 Reward Point = Rs. 0.15 for statement balance adjustment

4. Reward Rate: Four Reward Points per Rs. 150 spent
5. Milestone Benefits: 

  • 5,000 bonus Reward Points on spending Rs. 3 lakh
  • Additional 2,500 Reward Points on spending Rs. 6 lakh

6. Additional Benefits:

  • Receive twelve free entries to domestic airport lounge accesses through the Visa/MasterCard lounge access program.
  • You receive six global airport lounge visits as part of your Priority Pass membership.
  • Up to 20% dining discount at partner restaurants (Dineout App)
  • Annual fee waiver on spending Rs. 1 lakh in the previous year

Which Credit Card Suits You Best?

1. Diverse Card Offerings:

  • The HDFC Regalia Gold Credit Card is tailored for individuals who frequently travel domestically and internationally and wish to accumulate reward points.
  • The HDFC Millennia Credit Card is designed for those who prefer cashback rewards and perks specifically geared towards domestic travel.

2. Eligibility Criteria:

  • HDFC Millennia Credit Card: Requires a minimum monthly income of Rs. 35,000.
  • The HDFC Regalia Gold Credit Card requires a monthly income of over Rs. 1 lakh for eligibility.

3. Best Fit Scenarios:

  • The HDFC Millennia Credit Card caters excellently to those looking for cashback, benefits for domestic travel, and attractive welcome perks.
  • The HDFC Regalia Gold Credit Card is ideal for passionate travelers aiming for significant reward points, particularly targeting spending milestones.

Frequently Asked Questions (FAQs) –

  1. What sets apart the HDFC Millennia and Regalia Gold Credit Cards?
    The Millennia card focuses on cashback and benefits for domestic travel, while the Regalia Gold card emphasizes both international and domestic travel, prioritizing the accumulation of reward points.
  2. What are the eligibility requirements for the HDFC Millennia Credit Card?
    To qualify for the HDFC Millennia Credit Card, applicants must have a minimum monthly income of Rs. 35,000.
  3. How does the eligibility criteria for the HDFC Regalia Gold Credit Card differ?
    Applicants for the HDFC Regalia Gold Credit Card must have a monthly income exceeding Rs. 1 lakh.
  4. Which card suits individuals inclined towards cashback and domestic travel perks?
    The HDFC Millennia Credit Card is tailored for those who seek cashback benefits and perks related to domestic travel.
  5. Which card is recommended for frequent international travelers?
    For individuals who frequently travel internationally, the HDFC Regalia Gold Credit Card offers substantial reward points.
  6. What are the annual fees associated with the HDFC Millennia and Regalia Gold Credit Cards?
    The specific annual fees may vary, thus it’s advisable to refer to the latest fee structures for both cards.
  7. Do both cards offer welcome benefits?
    Yes, both cards extend welcome benefits; however, the particulars may differ. For accurate details, it’s recommended to review the latest offerings.
  8. Are there any spending milestones associated with the HDFC Regalia Gold Credit Card?
    Yes, the HDFC Regalia Gold Credit Card entails spending milestones. Refer to the latest terms and conditions for details.
  9. Can I upgrade or downgrade my HDFC Credit Card based on changing needs?
    HDFC Bank typically offers options for card upgrades or downgrades, subject to specific conditions. It’s advisable to contact the bank for personalized assistance.
  10. How can I apply for the HDFC Millennia or Regalia Gold Credit Card?
    Applications can be submitted online via the HDFC Bank website or by visiting a nearby branch. For the most accurate and up-to-date application procedures, consult official channels.

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