Credit Cards

HDFC Millennia Credit score Card vs Regalia First Credit score Card

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Being the biggest non-public sector financial institution in India, the HDFC Financial institution has develop into one of the vital trusted monetary establishments amongst Indian clients. Together with all its banking providers, the HDFC financial institution can be highly regarded for issuing a variety of bank cards with unique benefits over completely different classes. The Millennia Credit score Card issued by the HDFC Financial institution is among the hottest cashback playing cards in India and one other card that’s similar to Millennia is the HDFC Financial institution Regalia First Credit score Card. The very first issue that makes the shoppers get confused between these two playing cards is their annual price. Each these playing cards have an equal annual price of Rs. 1,000. Nonetheless, Millennia Credit score Card is a cashback card whereas the HDFC Regalia First Credit score Card is a rewards card.

HDFC Millennia Credit Card vs Regalia First Credit Card

Reading:: Hdfc millennia credit card vs regalia first

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Takings concerning the rewards & cashback advantages of the 2 playing cards, the Millennia Card permits you to earn as much as 5% cashback in your purchases, and with the Regalia First Credit score Card, you get 4 Reward Factors on each spend of Rs. 150. So, when it comes to rewards/cashback, the Millennia Credit score Card could be thought of a greater possibility. However alternatively, the Regalia First Card earns you as much as 7,500 bonus reward factors yearly beneath its milestone advantages whereas the Millennia Credit score Card doesn’t provide any such advantages. Furthermore, you get complimentary airport lounge entry with each these playing cards. With all this stuff, it could be complicated so that you can select the appropriate bank card for your self. We’re right here that can assist you examine these two playing cards on the idea of all their options, charges & fees. Maintain studying the article to know extra:

HDFC Millennia Credit score Card

The HDFC Millennia Credit score Card is among the hottest cashback playing cards within the Indian market because it supplies its clients with unique advantages with a nominal annual price of Rs. 1,000. Nonetheless, the cardboard doesn’t earn you cashback instantly, however you earn money factors on all of your spends and the worth of 1 Money Level is Re. 1 for redemption in opposition to your assertion steadiness. With this card, you’ll be able to earn as much as 5% cashback in your purchases. Not solely this, however you get complimentary airport lounge entry, low cost presents on eating, and much more advantages with this card. Following is the detailed details about all of the options of the HDFC Millennia Credit score Card:

  • Get 1,000 Money Factors as a welcome profit.
  • Get 5% cashback (within the type of money factors) on accomplice manufacturers, together with Amazon, BookMyShow, Flipkart, Myntra, SonyLiv, Swiggy, TataCliq, Uber, Zomato, and many others.
  • Get 1% Cashback on all different spends.
  • 1 Money Level = Re. 1 for redemption in opposition to assertion steadiness and 1 Money Level = Re. 0.30 for redemption in opposition to different classes.
  • Get a reduction of as much as 20% on eating at a number of taking part eating places throughout the nation.
  • Get 2 complimentary home lounge entry each quarter.
  • With the Diners Membership variant, get 2 complimentary worldwide lounge visits per quarter.
  • The annual price of Rs. 1,000 is waived off you probably have spent Rs. 1 lakh or extra within the earlier anniversary yr.
  • You get a 1% gas surcharge waiver for all gas transactions value Rs. 400 and extra. The utmost profit by the gas surcharge waiver is capped at Rs. 250 per billing cycle.

HDFC Regalia First Credit score Card

The HDFC Regalia First Credit score Card additionally comes with an annual price of Rs. 1,000 and could be thought of similar to that of the Millennia Credit score Card when it comes to fees and options. With this card, you earn 4 Reward Factors on each Rs. 150 you spend, the place the worth of 1 Reward Level = as much as Re. 0.30. Furthermore, you’ll be able to earn as much as 7,500 bonus Reward Factors yearly on attaining the spend milestone. Aside from reward advantages, this card entitles you to much more benefits, together with complimentary airport lounge entry, thrilling low cost presents on eating, and plenty of extra. Confer with the next factors to know detailed options and advantages of the HDFC Regalia First Credit score Card:

  • You get 1,000 Reward Factors as a welcome bonus.
  • You earn 4 Reward Factors for each Rs. 150 you spend utilizing this bank card.
  • You earn a cashback of 5% on journey & purchasing spends through the HDFC Smartbuy portal.
  • 1 Reward Level = Re. 0.30 for flight/resort bookings through SmaryBuy, 1 RP = Re. 0.25 for redemption in opposition to merchandise and vouchers, 1 RP = Re. 0.15 for redemption in opposition to cashback.
  • Avail of a reduction of as much as 30% on eating at over 2,000 taking part eating places throughout the nation.
  • Get 8 complimentary home lounge entry yearly.
  • Get 3 complimentary worldwide lounge entry yearly with the complimentary Precedence Go.
  • Get an insurance coverage cowl of Rs. 50 lakhs in opposition to unintentional air demise.
  • Get a 1% gas surcharge waiver for all gas transactions between Rs. 400 and Rs. 5,000.
  • Get the annual price of Rs. 1,000 waived off by spending Rs. 1 lakh or extra within the earlier yr.

Comparability Between The HDFC Millennia & HDFC Regalia First Credit score Card

Backside Line

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The HDFC Millennia Credit score Card & the HDFC Regalia First Bank card would possibly appear to be similar to people, however after evaluating every of their options, you might need understood that there are a variety of variations between the 2 playing cards. It’s true that the annual price of each playing cards is strictly the identical. However, you’ll be able to examine them on the idea of their options. If you’re somebody who spends lots on Amazon, Flipkart, Zomato, Swiggy, and many others, the Millennia Credit score Card can be a more sensible choice for you because it supplies you with a 5% cashback on all these manufacturers. However, in case you are a frequent traveler who desires to have additional luxurious journey experiences all internationally, it’s best to go along with the Regalia First Credit score Card issued by the HDFC Financial institution because it doesn’t solely offer you complimentary lounge entry, but in addition with the complimentary Precedence Go membership. Aside from that, the Regalia First Credit score Card additionally permits you to earn 1000’s of bonus reward factors yearly, however the Millennia Card doesn’t. However, it’s also equally true that the HDFC Millennia Credit score Card is best if you wish to save extra in your spends. So, it’s best to analyze your spending conduct and decide solely after that.

If in case you have any additional doubts about which of those playing cards can be a more sensible choice for you, be sure that to ask us within the remark part under!

Additionally examine: HDFC Millennia Credit score Card Vs IDFC First Millennia Credit score Card

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