IDFC FIRST Millennia Credit Card vs HDFC Regalia First Credit Card

Joining Fees



Editor's Rating



Key Features

  • Welcome Benefits include getting vouchers worth Rs. 500 on spending Rs. 15,000 within 90 days
  • 5% cashback on making the first EMI transaction made within 90 days of card set-up
  • Avail 10X Reward Points on all transactions above Rs. 20,000
  • Avail 6X Reward Points on Online Spends and 3X Reward Points on all Offline Spends
  • Once a month, get a 25% discount on movie tickets up to Rs. 100
  • Personal Accident Cover of Rs. 2 Lakh
  • Avail 20% discount on 1500+ Restaurants and 15% discount on 3000+ Health & Wellness Outlets
  • Free Road Side Assistance(RSA) worth Rs. 1,399
  • 1% Fuel surcharge waiver at any fuel stations in India up to Rs. 200 every month
  • 10X Rewards on all spends done on your Birthday
  • You will receive Welcome Benefit of 1000 Reward Points and renewal benefit of 1000 Reward Points when the membership fee is realized
  • In 12 Months, spend Rs. 1,00,000 and get Renewal Fee waived for next renewal year
  • Accidental air death cover worth Rs. 50 lakhs 
  • Emergency overseas hospitalization up to Rs. 10 lakhs 
  • Credit Liability cover of up to Rs 5,00,000
  • 1% fuel surcharge waiver at fuel stations in India on transactions between Rs.400 and Rs.5000 
  • 8 Complimentary Domestic Lounge Access within India access every calendar year and 3 Complimentary International Lounge Access via Priority Pass 
  • Earn 5,000 Reward Points on annual spends of Rs. 3,00,000 or more in each anniversary year
  • Avail up to 5% cashback on travel and shopping spends on SmartBuy
  • Earn more 2,500 Reward Points on annual spends of Rs. 6,00,000 or more in each anniversary year
  • Enjoy the experience of the Good Food Trail dining program at premium restaurants in top cities  




Rewards Rate: 

  • 4 reward points on Rs. 150, on all retail spends such as Insurance, Utilities, Education, and RentPay

Editor's Review


  • Lifetime free credit card
  • Complimentary Railway lounge access
  • NIL Overlimit fees, NIL Addon charges


  • No milestone benefits
  • Welcome gift voucher is only provided on spending Rs.15,000 within 90 days of card set-up
  • No Airport Lounge Access


  • Enjoy exclusive dining privileges with a 15% discount at partner restaurants
  • Avail 4 Reward Points for every Rs. 150 spent
  • Complimentary Priority Pass Membership for free access to over 1000 lounges globally




  • No complimentary offers for movie tickets 
  • The travel benefits only come only in the form of lounge access, there are no air miles or co-branded benefits provided
  • Cardholders will avail the free Priority Pass membership only after they make 4 retail transactions and they need to apply for the same

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