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Millennia vs Regalia – Full comparison
Both cards verified with issuer
Millennia source Regalia sourceForex costs are a key difference
Key differences
Best forex Millennia 2%
Lowest fee Millennia ₹1,000
Best lounge Regalia 8/year lounge
Spend context
At ₹50k/month spend:
- Millennia: ~₹1,000/month at base rate
- Regalia: ~₹670/month at base rate
Approximate, based on base rates (before caps).
| Millennia HDFC | Regalia HDFC | |
|---|---|---|
| Lounge Access | ||
| Domestic lounge visits None vs 2/quarter | None | 2/quarter |
| International lounge visits Only available for Regalia | Varies by variant | 6/year |
| Forex / International Use | ||
| Forex markup Source agreement differs — verify both. 2% vs 3.5% | 2% | 3.5% |
| Fees | ||
| Annual fee ₹1,000 vs ₹2,500 | ₹1,000 | ₹2,500 |
| Joining fee ₹1,000 vs ₹2,500 | ₹1,000 | ₹2,500 |
| Fee waiver spend ₹1,00,000 vs ₹3,00,000 | ₹1,00,000 | ₹3,00,000 |
| Rewards | ||
| Points per ₹150 3 pts vs 4 pts | 3 pts | 4 pts |
| Point cash value ₹1 vs ₹0.5 | ₹1 | ₹0.5 |
Notes
- Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.
Related compare links
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- Regalia vs Regalia Gold HDFC vs HDFC
- Regalia vs Tata Neu Infinity HDFC Bank HDFC vs HDFC
- Regalia vs MoneyBack Plus HDFC vs HDFC
Important
Data is compiled from issuer and public sources. Always verify with the issuer before applying.