HDFC Bank is a renowned bank that is best known for its impeccable and wide range of services it offers. It is the biggest private-sector bank in the country and is well-known in India as well as globally. Additionally, HDFC Bank offers a variety of credit cards, from basic to very premium, to suit the needs of every person who wishes to hold a credit card. HDFC Bank credit cards offer many advantages which cover almost every category. Among these credit cards, there are two credit cards that appear to be very popular namely, HDFC Millennia and HDFC Regalia, both provide a broad variety of features in a number of different, such as travel, retail, rewards, cashback, gas, as well as more.
HDFC MILLENNIA Credit Card:
If you often purchase things on the internet, particularly with the companies HDFC Bank has partnered with, then you should definitely think about acquiring this card. Additionally, the yearly charge is relatively affordable and is simply waived for spending Rs. 1 lakh annually.
Joining Fee:
Rs. 1,000.
Renewal Fee
Rs. 1,000.
BENEFITS:
On items purchased at Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber, and Zomato, users may receive up to 5% cashback. Cardholders may use this credit card to get 1% cash back on every other spending.
You can attend 8 domestic airport lounges for free each year, with a cap of two visits quarterly.
HDFC REGALIA Credit Card:
HDFC REGALIA Credit Card is however a premium credit card, which comes at a joining fee of Rs. 2,500. The card has many advantages, but its main ones are great travel and shopping savings. This card is an excellent choice if you use your credit card frequently because you will accumulate valuable reward points while making transactions through your card. Furthermore, if you're one of those who travel frequently, you may take full advantage of the perks provided.
Joining Fee:
Rs. 2,500.
Renewal Fee
Rs. 2,500.
BENEFITS:
With this card, receive a free Zomato Gold subscription valid for a year. Moreover, whenever users visit selected restaurants, they can have up to two beverages at no additional cost.
Take advantage of the Service Tax and the minimum foreign exchange markup of roughly 2% on any and all foreign currency transactions.
BASIS | HDFC MILLENNIA | HDFC REGALIA |
Joining fee | Rs. 1,000. | Rs. 2,500. |
Renewal fee | Rs. 1,000. | Rs. 2,500. |
Lounge access | Free entry to 8 lounges per year, two per quarter, within India. | Every year, 12 free lounge visits inside India and 6 free lounge visits outside of India are provided. |
Type | Mainly a cashback credit card. | Mainly a reward points credit card. |
Bottom Line:
Due to the fact that everyone's demands and requirements are different, there is no one best credit card that can satisfy them all, therefore, figure out your needs and what you want in a card and then select that credit card for yourself, because that is the best credit card, for you.
Additional Reading: ICICI Platinum Chip Credit Card vs Coral Credit Card