sprüche und wünsche
Finance

HDFC Millennia Credit Card Vs Regalia First: Which Is Better?

HDFC banks offer two credit cards from its exclusive lineup directly targeted for first-time applicants. The Millennia credit card and the Regalia First credit card are these two credit card offerings by the HDFC Bank. Both these credit cards come with exciting rewards and benefits for their customers. Read below to know more about these two credit cards offered by the HDFC Bank.

Overview of the HDFC Millennia Credit Card and Regalia First Credit Card

Have a look at the below given detailed information about these credit cards and all the offerings and deals you get with these credit cards.

HDFC Bank Millennia Credit Card:

As the name suggests, the HDFC Millennia credit card is aimed toward the millennials. The millennia credit card comes in a Visa variant and a Diners Club variant. With this credit card, the customers can get up to 5% cashback on Amazon and Flipkart and 2.5% cashback on all other websites. In addition to this, you get 1% cashback on offline merchant stores.

Joining Fee: Rs.1,000

Renewal Fee: Rs.1,000

Spend-based Waiver: The cardholders get a joining fee waiver on the spending of Rs. 30,000 in the first three months. The customers also get a renewal fee waiver on annual spending of Rs 1,00,000 in the previous year.

Welcome Benefits: You get 1,000 Cash Points as a signup bonus

Milestone Benefits: Nil

Feature and Benefits:

● You get 5% cashback on Amazon and Flipkart. In addition to this, you also get 5% cashback on hotel and flight ticket bookings purchased via PayZapp and Smartbuy App.

● 2.5% cashback on all online transactions on a minimum purchase of Rs 2,000

● 1% cash back on purchases made in offline stores on a minimum transaction of Rs 100

● The cardholders get a 1% surcharge waiver on fuel transactions across all petrol stations in India. You can get a maximum waiver of Rs 250 per statement cycle.

HDFC Bank Regalia First Credit Card: 

HDFC Regalia First credit card is one of the most trending credit card offerings by HDFC Bank. Regalia First credit card provides you with exclusive benefits on lifestyle and on your travels. In addition to this, you get 4 reward points for every Rs 150 spent on a retail transaction

Joining Fee: Rs.1,000

Joining Fee: Rs.1,000

Spend-Based Waiver: You get a renewal fee waiver on annual spending of Rs 1,00,000

Welcome Benefits: You get 1,000 Reward Points as a signup bonus

Milestone Benefits: You get up to 5,000 reward points on annual spending of Rs 3,00,000 or above every anniversary year. Moreover, you get additional 3000 reward points on annual spending of Rs 6,00,000 or above in the anniversary year

Feature and Benefits:

● You get 4 reward points for every Rs 150 spent on using your HDFC Bank Regalia credit card.

● You get up to 30% off on dining across 2000 restaurants with this card

● 8 Complimentary Domestic lounge access

● Air accidental cover worth Rs 50,00,000 along with a credit liability cover worth Rs 9,00,000

● Up to 1000 reward points on annual spends of Rs 1,00,000

Bottom line:

Both these credit cards offer special benefits and privileges to their customers making it tougher to choose the better option between the two. The Millennia credit card is a cashback credit card whereas the Regalia First credit card is a reward point-based credit card.

The Regalia First credit card is a more rewarding card than the Millennia credit card. The Regalia First credit card offers milestone and accelerated rewards. The cards also provide ancillary benefits such as complimentary lounge access, dining benefits, and much more.

However, if you like to spend online or simply looking for an upgrade from HDFC Bank credit card then the Millennia credit card might help you save more on your purchases.

Additional Reading – What Is A Cashback In Credit Card & How Does Cashback Work?

Related Articles

Leave a Reply

Your email address will not be published. Required fields are marked *

Back to top button
escort Georgia escort bayan Ankara
canlı casino siteleri casino siteleri 1xbet giriş casino hikaye