HDFC Millennia Credit Card vs HDFC Regalia Credit Card
Joining Fees
₹1,000
₹2,500
Editor's Rating
4
4
Key Features
- You will receive Welcome Benefit of 1000 CashPoints that’s applicable only on payment of membership fee
- Get Renewal membership fee waived off by spending Rs. 1,00,000 and above during the first year
- Earn 5% CashBack on all spends with a maximum CashBack earning of Rs. 2,250 per month
- Earn 5% CashBack on Amazon, Flipkart, Flight & Hotel bookings on shopping via PayZapp, and SmartBuy (minimum transaction size of Rs. 2000)
- 2.5% CashBack on all online spends
- 1% CashBack on all offline spends and Wallet reloads
- 8 Complimentary Domestic Lounge Access per calendar year
- Complimentary Domestic Airport Lounge access annually
- Experience the Good Food Trail Dining program at premium restaurants across top cities.
- 1% Fuel Surcharge waived off on fuel transactions (Minimum transaction of Rs. 400, Maximum CashBack of Rs. 250 per statement cycle)
- Enjoy up to 50 days of the interest-free period from the date of purchase
- If your HDFC Bank Millennia Credit Card gets lost, report immediately and avail zero liability on any fraudulent transactions made on the Credit Card
Rewards Rate:
Please note: The CashBack will be given in the form of CashPoints
- The redemption against the statement balance: 1 CashPoint = Rs. 1
- Redemption against travel benefits such as Flight & Hotel bookings and Rewards Catalogue at the SmartBuy Rewards Portal: 1 CashPoint = Rs. 0.30
- Redeem CashPoints at the conversion rate of 1 CashPoint = Rs. 0.30
- Airport Lounge Access within and outside India
- Experience unique delicacies through Good Food Trail dining program at premium restaurants across top cities.
- On retail spends including Insurance, Utilities, Education and Rent Pay, earn 4 reward points on Rs. 150.
- Earn additional 5,000 Reward Points when achieving annual spends of Rs. 8 lakhs.
- Emergency overseas hospitalization up to Rs. 15 lakhs in case of emergency
Editor's Review
Pros
- Avail Complimentary MasterCard/Diners Club/Visa Lounge Access Program
- The HDFC Bank Millennia Credit Card is enabled for contactless payments, facilitating fast, convenient and secure payments at retail outlets
- Revolving Credit is available at a nominal interest rate
Cons
- No golf/coaching sessions
- The Cash Points are only valid for 1 year from the date of accumulation
- Interest rates bit higher than the other credit cards- It’s 3.49% per month, accounting to 41.88% per annum
Pros
- Earn 10,000 Reward Points when achieving annual spends of Rs. 5 lakhs.
- Accidental air death cover worth Rs. 1 Crore
- Fuel Surcharge Waiver
Cons
- Slightly high Annual Fee
- No golf/coaching sessions
