HDFC Bank Millennia Credit Card Vs. HDFC Regalia Credit Card

HDFC Bank Millennia Credit Card

HDFC Bank Millennia Credit Card

HDFC Regalia Credit Card

HDFC Regalia Credit Card

Comparison of HDFC Bank Millennia Credit Card and HDFC Regalia Credit Card

Feature	HDFC Bank Millennia Credit Card	HDFC Regalia Credit Card
Annual Fee	₹1,000 + GST	₹2,500 + GST (~₹2,950)
Joining Fee	₹1,000 + GST	₹2,500 + GST (~₹2,950)
Welcome Benefits	N/A	Earn 2,500 Reward Points on joining fee payment
Interest Rate (APR)	N/A	3.49% per month (41.88% annually)
Foreign Currency Markup	N/A	2% + GST (~2.36%)
Key Highlights	•Welcome Bonus •Cashback on Top Merchants •Universal Cashback •Quarterly Vouchers •Annual Fee Waiver	•Welcome Bonus •Milestone Benefits •Complimentary Lounge Access •Low Forex Markup •Fuel Surcharge Waiver •SmartBuy Accelerated Rewards •Dining Benefits •Comprehensive Insurance
Dos	Use the card on top partner merchants to earn maximum 5% cashback Pay the entire outstanding amount by the due date to avoid interest charges Track CashPoints regularly and redeem them for best value options Plan quarterly spending to reach ₹1 lakh threshold for gift vouchers Keep the card secure and report loss or theft immediately to the bank	Use SmartBuy portal for flight and hotel bookings to earn 5X-10X rewards Spend ₹3 lakh annually to get the next year's fee waived automatically Track your Reward Points balance regularly and redeem before 2-year expiry Spend ₹1 lakh per quarter to unlock 2 domestic lounge access vouchers Pay your credit card bill in full by the due date to avoid interest charges and maintain credit health
Don'ts	Avoid overspending beyond repayment capacity just to earn cashback or reach milestones Do not pay only the minimum amount due regularly as interest accumulates on balance Ignore transaction alerts or monthly statements; review them promptly for accuracy Share card details, CVV, PIN, or OTP with anyone, including people claiming to be bank staff Use the card for cash withdrawals unless absolutely necessary due to high charges	Don't exceed your credit limit to prevent overlimit charges and credit score impact Don't miss the minimum payment to avoid late fees, high interest charges, and credit score damage Don't ignore the quarterly ₹1 lakh spending requirement if you want domestic lounge access Don't share your card details, PIN, CVV, or OTP with anyone, including people claiming to be from the bank Don't use the card for cash advances unless absolutely necessary due to high fees and immediate interest charges

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