All credit cardsRates verified 26 Jul 2026Rates verified 26 Jul 2026
HDFC Millennia vs HDFC Regalia Gold
Quick answer
HDFC Millennia vs HDFC Regalia Gold is a close match. Compare annual fee, top reward rate, lounge access and forex markup — pick the card whose strengths match your spending, and always pay the full bill monthly.
HDFC Bank
HDFC Millennia
Visa · Mastercard
HDFC Bank
HDFC Regalia Gold
Visa · Mastercard
Our pick
It's genuinely a toss-up — it comes down to your spending.
Pick based on the one row that matches how you actually spend.
| Feature | HDFC Millennia | HDFC Regalia Gold |
|---|---|---|
| Annual fee | ₹1,000 ✓ | ₹2,500 |
| Top reward rate | 5% ✓ | 1% |
| Lounge visits/yr | 4 (gated) | 18 (gated) ✓ |
| Forex markup | 4% | 2% ✓ |
| APR (per year) | 45% | 43% ✓ |
| Min income/mo | ₹30,000 ✓ | ₹1,50,000 |
No paid placement. Approval and final terms come from the issuer's key fact statement.
Common questions
- Which is better: HDFC Millennia or HDFC Regalia Gold?
- HDFC Millennia and HDFC Regalia Gold are closely matched. Use the comparison rows to pick the card that fits your actual spending pattern.
- How should I choose between HDFC Millennia and HDFC Regalia Gold?
- Start with annual fee and fee waiver, then compare rewards on your top two spend categories, lounge access only if you actually travel, and forex markup if you spend internationally.
- Should I carry a balance on either credit card?
- No. HDFC Millennia and HDFC Regalia Gold both charge high credit-card APRs when you revolve a balance. Pay the full bill monthly; interest can wipe out rewards many times over.