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CARD VS CARD · 28 APPS COMPARED

HDFC Regalia Gold vs HDFC Millennia

HDFC Regalia Gold wins on 21 apps, HDFC Millennia on 7. HDFC Regalia Gold for Nykaa and Reliance Digital; HDFC Millennia for Amazon and BookMyShow.

HDFC Bank Regalia Gold Credit Card

HDFC Regalia Gold

21 apps

Best for Nykaa, Reliance Digital and Myntra

₹2,500 a yearFee waived at ₹4,00,000 spendPaid as Reward Points
HDFC Bank Millennia Credit Card

HDFC Millennia

7 apps

Best for Amazon, BookMyShow and Flipkart

₹1,000 a yearFee waived at ₹1,00,000 spendPaid as Reward Points

App by app

Biggest differences first. Blue marks the card that earns more.

AppHDFC Regalia GoldHDFC Millennia
  1. Nykaa6.25%min ₹2001%
  2. Reliance Digital6.25%min ₹2001%
  3. Amazon1.25%min ₹2005%
  4. BookMyShow1.25%min ₹2005%
  5. Flipkart1.25%min ₹2005%
  6. Swiggy1.25%min ₹2005%
  7. Tata CLiQ1.25%min ₹2005%
  8. Uber1.25%min ₹2005%
  9. Zomato1.25%min ₹2005%
  10. Myntra6.25%min ₹2005%
  11. Airtel Thanks1.25%min ₹2001%
  12. AJIO1.25%min ₹2001%
  13. Apollo 24|71.25%min ₹2001%
  14. BigBasket1.25%min ₹2001%
  15. Blinkit1.25%min ₹2001%
  16. Cleartrip1.25%min ₹2001%
  17. District1.25%min ₹2001%
  18. Domino's1.25%min ₹2001%
  19. Goibibo1.25%min ₹2001%
  20. ixigo1.25%min ₹2001%
  21. JioMart1.25%min ₹2001%
  22. MakeMyTrip1.25%min ₹2001%
  23. Meesho1.25%min ₹2001%
  24. PVR INOX1.25%min ₹2001%
  25. Swiggy Instamart1.25%min ₹2001%
  26. Tata Neu1.25%min ₹2001%
  27. Zepto1.25%min ₹2001%
  28. IRCTC Rail Connect0.07%min ₹2000%

Questions people ask

Which is better, HDFC Regalia Gold or HDFC Millennia?

HDFC Regalia Gold earns more on 21 of the 28 apps Pickkard covers, HDFC Millennia on 7, and they earn the same on 0. Choose HDFC Regalia Gold if you spend most on Nykaa, Reliance Digital and Myntra. Choose HDFC Millennia if you spend most on Amazon, BookMyShow and Flipkart. HDFC Millennia has the lower annual fee (₹1,000 against ₹2,500).

Which has the lower fees, HDFC Regalia Gold or HDFC Millennia?

HDFC Regalia Gold: joining ₹2,500, annual ₹2,500 (Renewal fee waived on annual spends of ₹4,00,000.). HDFC Millennia: joining ₹1,000, annual ₹1,000 (Renewal fee waived for the next year after ₹1,00,000 of spend in 12 months.).

Can I use both HDFC Regalia Gold and HDFC Millennia?

Yes. Many people keep both and use each where it earns more: HDFC Regalia Gold on Nykaa, Reliance Digital and Myntra, HDFC Millennia on Amazon, BookMyShow and Flipkart. Pickkard tells you which one to use each time you open a shopping app.

Rewards are as per each bank’s published terms (checked 22 Oct 2026 and 22 Oct 2026) and can change. Limits and minimum orders apply; see each card’s page for details. Pickkard isn’t a bank and isn’t paid by any bank for comparisons.