hdfc regalia card good?

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Deal Cadet
athuljayaram

i have milennia card

i got upgrade option to regalia for 2500 joining fee


should i take ?


i do a lot of online shopping, some travel, pay bills etc.

i was able to withdraw points as cash on milennia card. is it possible on regalia card to redeem points as cashback?

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Super Stud Super Stud
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How old is your millenia and the current limit if you don’t mind

Deal Cadet Deal Cadet
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If you don’t travel a lot (for using free lounge access) and cannot use reward points for hotel/flight, never go to Regalia. It can be viewed as downgrade if you use the card mostly for shopping and want to redeem rewards as cashback

Super Stud Super Stud
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MrMonkey wrote:

If you don’t travel a lot (for using free lounge access) and cannot use reward points for hotel/flight, never go to Regalia. It can be viewed as downgrade if you use the card mostly for shopping and want to redeem rewards as cashback

What if OP has other shopping cards like Amazon icici and FK axis(5% without capping), sc smart (2% online),etc types ?
Does it makes sense to hold milllenia then 🤔

Deal Cadet Deal Cadet
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xxxyyyzzz wrote:

What if OP has other shopping cards like Amazon icici and FK axis(5% without capping), sc smart (2% online),etc types ?
Does it makes sense to hold milllenia then 🤔

If Regalia/Millennia card would not be used for any purpose, then maybe better to keep Regalia as it used to be higher in the ladder to Infinia (It might not be anymore as people are getting Millennia as upgrade from Regalia and vice-versa, so maybe HDFC is trying to make both cards close to same level).

Also, I’m getting 10% cashback (₹2k for ₹20k amount) on Amazon for Millennia credit card

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MrMonkey wrote:

If Regalia/Millennia card would not be used for any purpose, then maybe better to keep Regalia as it used to be higher in the ladder to Infinia (It might not be anymore as people are getting Millennia as upgrade from Regalia and vice-versa, so maybe HDFC is trying to make both cards close to same level).

Also, I’m getting 10% cashback (₹2k for ₹20k amount) on Amazon for Millennia credit card

Regalia is a more premium card Naa
Even annual fee is 2500 compared to 1k of Millenia (exc.gst)

Current ltf promo condition is also double for regalia (1L spend in 90 days) compared to 50k for millennia

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MrMonkey wrote:

If Regalia/Millennia card would not be used for any purpose, then maybe better to keep Regalia as it used to be higher in the ladder to Infinia (It might not be anymore as people are getting Millennia as upgrade from Regalia and vice-versa, so maybe HDFC is trying to make both cards close to same level).

Also, I’m getting 10% cashback (₹2k for ₹20k amount) on Amazon for Millennia credit card

How are you getting 2k via smartbuy?
I think cb is capped to 1k per month

Deal Cadet Deal Cadet
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xxxyyyzzz wrote:

How are you getting 2k via smartbuy?
I think cb is capped to 1k per month

1k card benefit + 1k Smartbuy

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xxxyyyzzz wrote:

Regalia is a more premium card Naa
Even annual fee is 2500 compared to 1k of Millenia (exc.gst)

Current ltf promo condition is also double for regalia (1L spend in 90 days) compared to 50k for millennia

Yes, but as I said, HDFC seems to have plans to bring them to same level based on what they are doing to Regalia

Deal Cadet Deal Cadet
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MrMonkey wrote:

If Regalia/Millennia card would not be used for any purpose, then maybe better to keep Regalia as it used to be higher in the ladder to Infinia (It might not be anymore as people are getting Millennia as upgrade from Regalia and vice-versa, so maybe HDFC is trying to make both cards close to same level).

Also, I’m getting 10% cashback (₹2k for ₹20k amount) on Amazon for Millennia credit card

flat 10% cashback on amazon with infinia?

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MrMonkey wrote:

1k card benefit + 1k Smartbuy

what is 1k card benefit bro, didn’t get you

Deal Cadet Deal Cadet
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prem4998 wrote:

In Millenia

https://www.hdfcbank.com/personal/pay/cards/mil...

it is not flat and only 5% cashback on milennia

  • 5% CashBack on Amazon, Flipkart, Flight & Hotel bookings on shopping via PayZapp and SmartBuy (minimum transaction size of ₹2000, Max ₹1000 CashBack per calendar month in first 6 months, Max ₹ 750 CashBack post 6 months from card issuance)
Deal Cadet Deal Cadet
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xxxyyyzzz wrote:

what is 1k card benefit bro, didn’t get you

I think currently amazon is giving 5% cashback on millenia, 10x points on moneyback+ and 2x points on moneyback apart from smartbuy cashback

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athuljayaram wrote:

https://www.hdfcbank.com/personal/pay/cards/mil...

it is not flat and only 5% cashback on milennia

  • 5% CashBack on Amazon, Flipkart, Flight & Hotel bookings on shopping via PayZapp and SmartBuy (minimum transaction size of ₹2000, Max ₹1000 CashBack per calendar month in first 6 months, Max ₹ 750 CashBack post 6 months from card issuance)

Some are still getting 5+5% somehow. Trust me

Super Stud Super Stud
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rahulsoni0706846 wrote:

I think currently amazon is giving 5% cashback on millenia, 10x points on moneyback+ and 2x points on moneyback apart from smartbuy cashback

yeah, but he said he’s getting 10%

That’s why I asked

Deal Lieutenant Deal Lieutenant
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prem4998 wrote:

Some are still getting 5+5% somehow. Trust me

@xxxyyyzzz many people are confirming it, this bro got it personally, you also try it for yourself, the loot got sweeter.

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xxxyyyzzz wrote:

what is 1k card benefit bro, didn’t get you

Millennia credit card has 5% cashback on Amazon as card specific benefit bro. Smartbuy is extra affiliate cashback which is 5%. Both capped at ₹1k each, so total ₹2k for ₹20k order

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athuljayaram wrote:

https://www.hdfcbank.com/personal/pay/cards/mil...

it is not flat and only 5% cashback on milennia

  • 5% CashBack on Amazon, Flipkart, Flight & Hotel bookings on shopping via PayZapp and SmartBuy (minimum transaction size of ₹2000, Max ₹1000 CashBack per calendar month in first 6 months, Max ₹ 750 CashBack post 6 months from card issuance)

This is old deprecated page bro. There is another link for updated page in this page

Deal Cadet Deal Cadet
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MrMonkey wrote:

This is old deprecated page bro. There is another link for updated page in this page

please share updated link for milennia and regalia

Deal Cadet Deal Cadet
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looks like

millennia has reward cap of 5% CashPoints up to Rs 1000 every calendar month

while regalia gives 4 Reward Points per Rs 150 spend

Deal Cadet Deal Cadet
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Regalia has international lounge access but millennia doesn’t (even domestic lounge access is less in millennia compared to regalia)
Milestone benefits – get 10k points on spends of 5L and additional 5k points on spends of 8L on regalia. For millennia spend 1L in a quarter and get 1000 voucher.
Smartbuy benefits – regalia has smartbuy benefits to get 5x points upto 4000(2000 capping in a single day) and millennia has cashback capping of 1000 per month.
Reward program – 4 points on spends of 150 on regalia(1.33% if redeemed for travel, else 0.7-0.8%)
5% cashback on preferred merchants(Zomato, amazon, Flipkart etc)
1% cashback on all other transactions (except fuel) monthly capping of 1000 points . No capping on regalia.

Deal Cadet Deal Cadet
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Pls stick with millenia
If u get LTF regalia only then u can take

Deal Cadet Deal Cadet
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athuljayaram wrote:
  1. The below product features & benefits are applicable for HDFC Bank Millennia Credit Cards issued on or after 1st October 2021.


my milennia card was issued 2 years back

2. For HDFC Bank Millennia Credit Cards issued on or before September 30th September 2021, the below product and features are applicable from 1st November 2021

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