hdfc millenium vs hdfc regalia cc

In terms of cashback on online shopping millennia is better, but if you want travel benefits and flight booking go for regelia .
Personnaly i use millennia

what about cb for gift card purchase ? 

third.i.financial.advisors wrote:

what about cb for gift card purchase ? 

Smartbuy

third.i.financial.advisors wrote:

what about cb for gift card purchase ? 

Smartbuy with various discounts

i mean both cards give same benefits is it ?? wrt gift card purchase ?? 

third.i.financial.advisors wrote:

i mean both cards give same benefits is it ?? wrt gift card purchase ?? 

Pravnz wrote:
Regalia gives bit better benefits, approx difference of 1%.
But again, Regalia gives RP's whereas MIllennia gives CashBack

UpTo 1 lakh spend per month millenia is fine otherwise go for regalia

Millenia gives only Rs.1000 Cashback per month and if you purchase from 5% sites spend will reduced to Rs.20000.

Based on the above details calculate your spends

marumuganainar673 wrote:

UpTo 1 lakh spend per month millenia is fine otherwise go for regalia

Millenia gives only Rs.1000 Cashback per month and if you purchase from 5% sites spend will reduced to Rs.20000.

Based on the above details calculate your spends

third.i.financial.advisors wrote:
thankyou .. can u pls explain more about this ... cashback in the form of statement credit is it ??

It is different for different category..

For smartbuy purchases, the CB is credited directly to statement

For 5% and 1% partners, The CashPoints will be posted on calendar month basis. These have to be redeemed manually. You can redeem them for cash (to your account) or to buy vouchers