Millennia vs Regalia
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HDFC Millennia vs HDFC regalia which one is better

Deal Cadet

HDFC Millennia vs HDFC regalia which one is better
Edit: I have regalia card LTF.
Getting upgrade offer of Millennia (not LTF yet, waiting for LTF offer).
I spend mostly online(Amazon, Flipkart) and use smartbuy for 5% cashback)
Normally transaction are below 1 lakh.

Should I opt for Millennia at all?
Should I opt while it’s offered LTF?
Should I opt even if it’s paid?
What benefit will I get over Regalia?

For use case consider bill amount just below 1 lakh.

Experts advice required.
Thanks in advance.

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Deal Subedar Deal Subedar
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If ur spending is in thousands than go with millennia, 1% upto 1000 CB.
If ur regular trxns are in lakhs better prefer Regalia

Deal Subedar Deal Subedar
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Its like asking if shirt is better or t-shirt

Both cards are very different and based on 1s spending pattern it has to be decided.
Cashback card vs reward card (That too higher % on travel benefits)

Deal Cadet Deal Cadet
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Technically, Regalia to Millenia is a downgrade.
But, don’t go by the jargon. Under present offering, Millenia beats Regalia hands down (if you are not lured by the Lounge fuss). Assumed: both are LTF.

Deal Cadet Deal Cadet
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even i got an call from hdfc saying i have an upgrade to either mellenia or regallia. i usually spend less [email protected] please provide your inputs.

Wingman Wingman
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Did u go for millennia? Is it better than regalia?

Deal Newbie Deal Newbie
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Due to covid, i am not travelling much. I requested to flip my ltf regalia to millennium which got approved, so if you are not traveller and do alot of shopping then millennium is better.

I requested grievance cell to flip the card.

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