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YES Bank Updated 04 Jul 2026 ยท Data sourced from official bank MITC documents
HDFC Millennia is the cheaper card to hold. HDFC Millennia is built around CashPoints, while HDFC Regalia Gold leans on Reward Points. Pick based on which reward style matches your actual spending โ see the full breakdown below.
| Feature | HDFC Millennia Credit Card | HDFC Regalia Gold Credit Card |
|---|---|---|
 |
 |
|
| Annual Fee | โน1,000 (waived โน1L+) | โน2,500 (waived โน4L+) |
| Renewal Fee Waiver | Waived on annual spends of โน1 lakh or more in previous membership year | Waived on annual spends of โน4 lakh in previous billing year |
| Reward Type | CashPoints | Reward Points |
| Reward Rate | 5% cashback (as CashPoints) on Amazon, Flipkart, Myntra, Swiggy, Zomato, Uber, BookMyShow, Tata CLiQ, SonyLIV, and Cult.fit; 1% cashback on all other eligible spends; both categories capped at 1,000 CashPoints per billing cycle each (total max โน2,000/month) | 5 Reward Points per โน200 spent on all retail; 5X (25 RPs per โน200) on Myntra, Nykaa, Marks & Spencer, and Reliance Digital |
| Welcome Benefit | 1,000 CashPoints (โน1,000) on joining fee payment | Swiggy One + MMT Black Gold membership |
| Lounge Access | 1 complimentary domestic lounge visit per quarter on spending โน1 lakh in that quarter (milestone benefit). Can also be earned as quarterly milestone reward choice. | 12 complimentary domestic airport lounge visits per year (3 per quarter) on spending โน60,000 in previous quarter; 6 international lounge visits via Priority Pass (for primary and add-on cardholders combined) |
| Forex Markup | 3.5% + GST on international transactions | 2% + GST on international transactions |
| Milestone Rewards | โน1,000 gift voucher OR 1 complimentary domestic airport lounge visit on spending โน1 lakh per calendar quarter; 10% additional savings on hotel and flight bookings via SmartBuy | โน1,500 gift voucher (Marriott/Myntra/M&S/Reliance Digital) on โน1.5L quarterly spend; โน5,000 SmartBuy flight voucher on โน5L annual spend; additional โน5,000 flight voucher on โน7.5L annual spend |
| Insurance Cover | Zero lost card liability on immediate reporting | Zero lost card liability on immediate reporting to 24-hour helpline |
| Fuel Surcharge Waiver | 1% fuel surcharge waiver; max โน250 per billing cycle | 1% fuel surcharge waiver on transactions between โน400 and โน5,000; max waiver โน250 per statement cycle |
| Eligibility | Age 21โ60 years (salaried), up to 65 years (self-employed); salaried minimum monthly income โน35,000; self-employed minimum annual ITR โน6 lakh; good credit history required | Salaried (non-govt): minimum โน1.5 lakh/month; Salaried (govt): minimum โน1 lakh/month; Self-employed: minimum โน18 lakh annual income (ITR). Age: 21โ60 years (salaried), up to 65 years (self-employed). |
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HDFC Millennia Credit Card
Millennials and young professionals who frequently shop on Amazon, Flipkart, Myntra, Swiggy, Zomato, Uber, BookMyShow, Tata CLiQ, SonyLIV, and Cult.fit On fees: โน1,000 (waived โน1L+). Rewards: CashPoints
Read full review โHDFC Regalia Gold Credit Card
Frequent travellers, lifestyle spenders, those who shop on Myntra, Nykaa, Reliance Digital On fees: โน2,500 (waived โน4L+). Rewards: Reward Points
Read full review โChoose HDFC Millennia Credit Card if you:
- Millennials and young professionals who frequently shop on Amazon, Flipkart, Myntra, Swiggy, Zomato, Uber, BookMyShow, Tata CLiQ, SonyLIV, and Cult
- Want rewards structured as CashPoints
- Value complimentary airport lounge access
- Want a strong welcome benefit (1,000 CashPoints (โน1,000) on joining fee payment)
Choose HDFC Regalia Gold Credit Card if you:
- Frequent travellers, lifestyle spenders, those who shop on Myntra, Nykaa, Reliance Digital
- Want rewards structured as Reward Points
- Value complimentary airport lounge access
- Want a strong welcome benefit (Swiggy One + MMT Black Gold membership)