All credit cardsRates verified 15 Jun 2026Rates verified 15 Jun 2026
HDFC Regalia Gold vs HDFC Millennia
Quick answer
HDFC Regalia Gold vs HDFC Millennia 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 Regalia Gold
Visa · Mastercard
HDFC Bank
HDFC Millennia
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 Regalia Gold | HDFC Millennia |
|---|---|---|
| Annual fee | ₹2,500 | ₹1,000 ✓ |
| Top reward rate | 4% | 5% ✓ |
| Lounge visits/yr | 18 ✓ | 8 |
| Forex markup | 2% ✓ | 4% |
| APR (per year) | 43% ✓ | 45% |
| Min income/mo | ₹1,00,000 | ₹30,000 ✓ |