# HDFC Regalia vs HDFC Millennia

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

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

| | HDFC Regalia | HDFC Millennia |
|---|---|---|
| Annual fee | ₹2,500 + GST | ₹1,000 + GST |
| Fee waiver | Waived at ₹3,00,000 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 | Visa | Visa |
| Everyday spend | 4 RP/₹200 | 1% CashPoints (cap ₹1,000/mo) |
| Rewards in | HDFC Reward Points (Regalia), ₹0.4 a point at the bank’s baseline | Cashback |
| Transfer partners | 1 programme | None |
| Airport lounges | 8 domestic visits a year · 6 international visits a year | 1 domestic visit a quarter |
| Spend milestones | 2 milestones | 1 milestone |
| Applications | No longer issued | Open |
| Last checked | 2 October 2026 | 26 October 2026 |

## How each one earns

### HDFC Regalia

- 4 RP/₹200 · ✓ official · checked 2 October 2026

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

### 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 and HDFC Millennia?

As of 26 October 2026, HDFC Regalia: ₹2,500 + GST, waived at ₹3,00,000 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 or HDFC Millennia?

As of 26 October 2026, HDFC Regalia 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 and HDFC Millennia come with airport lounge access?

As of 26 October 2026, HDFC Regalia: 8 domestic visits a year · 6 international visits a year. HDFC Millennia: 1 domestic visit a quarter.


## Other cards side by side

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