What is better: HDFC Millennia or HDFC Regalia?
The choice between the HDFC Millennia and HDFC Regalia credit cards depends on your spending habits and financial goals. Here’s a quick comparison:
HDFC Millennia Credit Card
Best for: Younger users or those looking for everyday rewards.
- Annual Fee: ₹1,000 (can be waived with ₹500 x 4 transactions in the first 3 months).
- Cashback: 5% on online spends (up to ₹1,000/month), 2.5% on other online spends, 1% on offline spends.
- Target Audience: Ideal for salaried individuals or those with lower to mid-level income.
- Key Perks: 5% cashback on popular online merchants like Amazon, Flipkart, Zomato, etc.
HDFC Regalia Credit Card
Best for: Premium users who want exclusive benefits.
- Annual Fee: ₹2,500 (can be waived with ₹3 lakh annual spend).
- Rewards: 2-5 points per ₹150 spent.
- Target Audience: Ideal for high-income earners who want more travel, dining, and lifestyle benefits.
- Key Perks: Complimentary lounge access, travel benefits, premium concierge services, and higher reward points on spends.
Which One to Choose?
- HDFC Millennia is a great option for those looking for cashback on daily online and offline purchases without paying a high annual fee.
- HDFC Regalia is better suited for those who are looking for premium benefits like lounge access, more exclusive rewards, and are willing to pay a higher annual fee for those perks.
The choice depends on whether you prefer cashback (Millennia) or premium lifestyle and travel perks (Regalia).
HDFC Millennia is the best option if:
You frequently shop on Swiggy, Flipkart, Zomato, and Amazon.
You would prefer simple cashback to reward points.
You spend majority of your money in India and online.
Select HDFC Regalia if:
You need access to the airport lounge because you travel a lot.
You would rather have reward points than cashback.
You want to pay less for foreign exchange when you transact internationally.