HDFC Bank Millennia vs HDFC Bank Regalia Gold
Side-by-side for the example profile – edit spend and travel needs to make it yours.
Millennia vs Regalia Gold (Sept 2026): for the standard ₹32k/month profile HDFC Bank Millennia wins on score (50/100, ₹6,626 recurring net savings a year) vs Regalia Gold 41/100 (₹1,276). Cheapest to hold: Millennia (₹1,180 incl. GST). Edit the spend on this page to re-score for yours.
Recommendation for Typical Indian cardholder (₹32k/month)
HDFC Bank Millennia scores highest (50/100) with ₹6,626 recurring net savings a year. For lounges, HDFC Bank Regalia Gold covers the most of your visits.
Edit your spend and travel needs above – scores, savings and this verdict update instantly.
Standard profile
Scored for Typical Indian cardholder · ₹32k/monthBills paid in full · first-year offers shown separately · set up your profile to score cards for your own spend
| Card | ||
|---|---|---|
| Overview | ||
| Personal score | 50/100 BEST | 41/100 |
| Recurring net savings | ₹6,626/yr BEST | ₹1,276/yr |
| Effective savings rate | 2.0% BEST | 0.4% |
| Annual fee incl. GST | Waived | You pay ₹2,950 |
| Usable lounge visits | ✈ none you can use 0 | ✈12 dom🌏6 intl you can use 2 BEST |
| Why it fits | ✓ 5% on Amazon, Flipkart, Myntra, Swiggy, Zomato, Uber, BookMyShow, Tata… | ✓ Base rate 1.33% on other spends earns you about ₹2,653 a year on… |
| Main drawback | ! Lounge access needs ₹1,00,000 spend per quarter – your spend does not… | ! You pay the ₹2,950 annual fee (incl. GST) – waiver needs ₹4,00,000… |
| How the net figure adds up | ||
| + Reward value on your spend | ₹6,266 at ₹1/CashPoints BEST | ₹3,866 at ₹0.5/Reward Points |
| + Milestone bonuses you reach | ₹0 0 of 1 achieved | ₹0 0 of 3 achieved |
| + Fuel surcharge waiver | ₹360 | ₹360 |
| + Lifestyle benefits you asked for | none matched | none matched |
| + Renewal bonus (only when the fee is charged) | — | — |
| − Annual fee incl. 18% GST | ₹0 waived at ₹1,00,000 spend BEST | −₹2,950 |
| − Forex markup on international spend | none | none |
| = Recurring net savings | ₹6,626/yr BEST | ₹1,276/yr |
| ÷ Card spend counted | ₹3,26,640 UPI-only rupees excluded on non-RuPay cards | ₹3,26,640 UPI-only rupees excluded on non-RuPay cards |
| = Effective savings rate | 2.0% BEST | 0.4% |
| Rewards on your spend | ||
| Groceries & quick-commerce (₹72,000/yr) | ₹432 0.6% | ₹575 0.8% BEST |
| Dining & food delivery (₹48,000/yr) | ₹1,766 3.7% BEST | ₹562 1.2% |
| Online shopping (₹72,000/yr) | ₹2,736 3.8% BEST | ₹958 1.3% |
| Fuel (₹36,000/yr) | ₹0 0.0% | ₹0 0.0% |
| Cabs & commute (₹18,000/yr) | ₹108 0.6% | ₹144 0.8% BEST |
| Bills & utilities (₹30,000/yr) | ₹300 1.0% | ₹399 1.3% BEST |
| Flights (₹24,000/yr) | ₹240 1.0% | ₹319 1.3% BEST |
| Hotels (₹12,000/yr) | ₹120 1.0% | ₹160 1.3% BEST |
| Movies & OTT (₹9,600/yr) | ₹96 1.0% | ₹128 1.3% BEST |
| Insurance premiums (₹18,000/yr) | ₹180 1.0% | ₹239 1.3% BEST |
| Everything else (₹48,000/yr) | ₹288 0.6% | ₹383 0.8% BEST |
| Base earn rate | 1% | 1.33% BEST |
| Accelerated categories | 2 rules
| 3 rules
|
| Excluded categories | fuel, rent | fuel, rent |
| Caps hit for your spend | None | None |
| Milestones |
|
|
| UPI rewards (RuPay) | Not UPI-enabled | Not UPI-enabled |
| Fees & first year | ||
| Joining fee | ₹1,000 + GST | ₹2,500 + GST |
| Fee waiver | On ₹1,00,000 annual spend | On ₹4,00,000 annual spend |
| Renewal benefit | None | None |
| Welcome benefit (first year only) | 1,000 CashPoints on joining-fee payment ≈ ₹1,000 | ₹2,500 gift voucher on joining-fee payment ≈ ₹2,250 |
| First-year value (separate) | ₹6,446 BEST | ₹3,526 |
| Travel | ||
| Domestic lounge entitlement | 2 per quarter | 12 per year |
| International lounge entitlement | None | 6 per year |
| Lounge condition | ₹1,00,000 per quarter – not met | None |
| Forex markup | 3.5% | 2% BEST |
| Redemption & simplicity | ||
| Reward currency | CashPoints · ₹1/unit | Reward Points · ₹0.5/unit |
| How to redeem | Details1 CP = ₹1 as statement credit (min 500 CP); ₹0.30 on SmartBuy flights. | Details1 RP = ₹0.50 on SmartBuy flights/hotels; ₹0.35 vouchers; ₹0.20 statement. |
| Redemption flexibility | ★★★★☆ BEST | ★★★☆☆ |
| Simplicity | ★★★★☆ BEST | ★★★☆☆ |
| Lifestyle | ||
| Benefits you asked for | fuel waiver | fuel waiver |
| All lifestyle perks | fuel waiver | fuel waiver, insurance cover, concierge |
| Eligibility | Income ₹6L+/yr or ₹35k+/month salary | Income ₹12L+/yr or ₹1L+/month salary |
| Score breakdown | ||
| Net savings rate | 41/100 × 55% = 22.6 | 8/100 × 55% = 4.4 |
| Usable lounge access | 0/100 × 15% = 0.0 | 100/100 × 15% = 15.0 |
| Redemption flexibility | 80/100 × 10% = 8.0 | 60/100 × 10% = 6.0 |
| Lifestyle fit | 100/100 × 10% = 10.0 | 100/100 × 10% = 10.0 |
| Simplicity | 80/100 × 5% = 4.0 | 60/100 × 5% = 3.0 |
| Fee safety | 100/100 × 5% = 5.0 | 49/100 × 5% = 2.4 |
| Sources | ||
| Official source | HDFC Bank – Millennia | HDFC Bank – Regalia Gold |
| Last reviewed | 2026-09-12 | 2026-09-12 |
Frequently asked questions
Which is better: Millennia or Regalia Gold?
For the example profile, HDFC Bank Millennia scores highest (50/100, ₹6,626 recurring net savings). The answer changes with your spend mix, lounge needs and fee comfort – edit the profile on this page.
Which has the lower annual fee?
Millennia: ₹1,180 incl. GST; Regalia Gold: ₹2,950 incl. GST.