HDFC Millennia Credit Card Vs Regalia First: Which Is Better?

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HDFC Millennia and HDFC Regalia are one of the most popular credit cards offered by HDFC Bank. Both credit cards offer a wide range of benefits under multiple categories, including travel, shopping, rewards, cashback, fuel, and more. However, both of them have their pros and cons. HDFC Millennia is primarily known for its cashback feature, whereas HDFC Regalia offers reward points instead of direct cashback. Here is a detailed comparison of both credit cards to help you decide which one is a suitable option for you.

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Welcome Benefits:

As you can see in the above table that HDFC Regalia does not offer any welcome benefits, whereas with HDFC Millennia, you will get 1,000 Cash Points (reward points) as a welcome benefit after the payment of the joining fee. Hence, the welcome benefit provided by HDFC Millennia justifies the joining fee of Rs. 1,000.

However, HDFC Regalia comes with a high joining fee as compared to Millennia and still does not offer any welcome benefits, this might turn away a lot of users. Overall, in terms of welcome benefits, HDFC Millennia would be a better choice rather than HDFC Regalia, as you will receive the welcome benefits worth the joining fee.

Rewards and cashback:

Both HDFC Millennia and HDFC Regalia work on a different model, Millennia is a cashback credit card, whereas Regalia lets you earn reward points on every purchase. With HDFC Millennia, you can earn up to 5% cashback on your purchases at Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber and Zomato. For all other categories and expenses, you can avail 1% cashback via this credit card. Also, this cashback is offered in the form of Cash Points, which you can later redeem against your statement balance and you are restricted to avail a maximum cashback of Rs. 1,000 in a month.

On the other hand, HDFC Regalia rewards its users with 4 reward points on every Rs. 150 spent on the retail category. You can redeem your earned reward points for flight or hotel bookings, Airmiles conversion, products and vouchers via net banking. Additionally, you can also redeem your reward points against cashback at the value of 1 Reward Point = Re. 0.20, which is lower as compared to the direct cashback offered by some of the best cashback credit cards.