# HDFC Regalia Gold vs HDFC Millennia

HDFC Regalia Gold costs ₹2,500 a year and HDFC Millennia ₹1,000. They differ on the forex markup, airport lounge access, transfer partners and the network.

Each row is what the bank publishes for each card, read from its own documents and dated. Nothing here ranks the cards: which one suits you turns on where you spend. Each card’s page holds every rule and its source.

- [HDFC Regalia Gold](https://getbrief.cards/cards/hdfc-regalia-gold), HDFC Bank
- [HDFC Millennia](https://getbrief.cards/cards/hdfc-millennia), HDFC Bank

| | HDFC Regalia Gold | HDFC Millennia |
|---|---|---|
| Annual fee | ₹2,500 + GST | ₹1,000 + GST |
| Fee waiver | Waived at ₹4,00,000 spend per card year | Waived at ₹1,00,000 spend per card year |
| Forex markup | 2% | 3.5% |
| On ₹1,00,000 spent abroad | ₹2,360 in markup and GST | ₹4,130 in markup and GST |
| Network | Mastercard | Visa |
| Everyday spend | 5 RP / ₹200 from 15 May 2026 | 1% CashPoints (cap ₹1,000/mo) |
| Rewards in | HDFC Reward Points (Regalia Gold), ₹0.5 a point at the bank’s baseline | Cashback |
| Transfer partners | 11 programmes | None |
| Airport lounges | 12 domestic visits a year · 6 international visits a year | 1 domestic visit a quarter |
| Spend milestones | 3 milestones | 1 milestone |
| Applications | Open | Open |
| Last checked | 27 October 2026 | 26 October 2026 |

## How each one earns

### HDFC Regalia Gold

- 5 RP / ₹200 from 15 May 2026 · ✓ official · checked 26 October 2026
- 5X on Nykaa/Myntra/M&S/Reliance Digital (cap 5K RP/mo) · ✓ official · checked 26 October 2026
- 5X via SmartBuy Instant Vouchers (Gyftr) · 25 RP/₹200, cap 4K RP/mo and 2K/day · brand vouchers capped at 3K RP/mo from about 1 Jul 2026 · ✓ official · checked 26 October 2026
- 5 RP / ₹200 on insurance, capped at 2,000 RP a month · ✓ official · checked 27 October 2026
- 5 RP / ₹200 on grocery, capped at 2,000 RP a month · ✓ official · checked 27 October 2026

Every rule on the HDFC Regalia Gold page: https://getbrief.cards/cards/hdfc-regalia-gold

### HDFC Millennia

- 1% CashPoints (cap ₹1,000/mo) · ✓ official · checked 26 October 2026
- 5% back on Amazon, Flipkart, Myntra, Swiggy, Zomato, Uber, BookMyShow, Cult.fit, Tata CLiQ and SonyLIV, up to ₹1,000 a month · ✓ official · checked 26 October 2026

Every rule on the HDFC Millennia page: https://getbrief.cards/cards/hdfc-millennia


## Questions

### What is the annual fee of HDFC Regalia Gold and HDFC Millennia?

As of 27 October 2026, HDFC Regalia Gold: ₹2,500 + GST, waived at ₹4,00,000 spend per card year. HDFC Millennia: ₹1,000 + GST, waived at ₹1,00,000 spend per card year.

### Which charges less on spend abroad, HDFC Regalia Gold or HDFC Millennia?

As of 27 October 2026, HDFC Regalia Gold charges a 2% markup against 3.5% on HDFC Millennia: on ₹1,00,000 spent abroad that is ₹2,360 against ₹4,130, GST included.

### Do HDFC Regalia Gold and HDFC Millennia come with airport lounge access?

As of 27 October 2026, HDFC Regalia Gold: 12 domestic visits a year · 6 international visits a year. HDFC Millennia: 1 domestic visit a quarter.


## Other cards side by side

- [HDFC Millennia vs SBI Cashback](https://getbrief.cards/compare/hdfc-millennia-vs-sbi-cashback)
- [HDFC Regalia vs HDFC Regalia Gold](https://getbrief.cards/compare/hdfc-regalia-vs-hdfc-regalia-gold)
- [HDFC Regalia vs HDFC Millennia](https://getbrief.cards/compare/hdfc-regalia-vs-hdfc-millennia)
- [HDFC Millennia vs HDFC Diners Club Privilege](https://getbrief.cards/compare/hdfc-millennia-vs-hdfc-diners-privilege)
- [HDFC Millennia vs HDFC MoneyBack+](https://getbrief.cards/compare/hdfc-millennia-vs-hdfc-moneyback-plus)
- [ICICI Bank Sapphiro vs HDFC Regalia Gold](https://getbrief.cards/compare/icici-sapphiro-vs-hdfc-regalia-gold)
- [HDFC Regalia Gold vs HDFC Diners Club Privilege](https://getbrief.cards/compare/hdfc-regalia-gold-vs-hdfc-diners-privilege)
- [HDFC Diners Club Black Metal vs HDFC Regalia Gold](https://getbrief.cards/compare/hdfc-diners-club-black-metal-vs-hdfc-regalia-gold)
- [Marriott Bonvoy HDFC vs HDFC Regalia Gold](https://getbrief.cards/compare/marriott-bonvoy-hdfc-vs-hdfc-regalia-gold)
- [Scapia (Federal Bank) vs HDFC Regalia Gold](https://getbrief.cards/compare/scapia-federal-vs-hdfc-regalia-gold)
- [HDFC Tata Neu Plus vs HDFC Millennia](https://getbrief.cards/compare/hdfc-tata-neu-plus-vs-hdfc-millennia)

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Fees are before GST. A rate that has aged says so. Brief is not a financial adviser and takes no fee from any bank for the order of this page.

Canonical: https://getbrief.cards/compare/hdfc-regalia-gold-vs-hdfc-millennia