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HDFC Bank · HDFC Bank
Millennia vs Regalia Gold
Side-by-side. The card that earns more depends on where you spend, Tapwise crunches the actual numbers for your wallet.
Winner
56composite score
95% rule confidence
95% rule confidence
Winner
53composite score
95% rule confidence
95% rule confidence
Annual fee
₹1,000
₹2,500
Network
Visa
Visa
Base reward rate
2.67%
2.67%
Min. income (monthly)
₹35,000
₹1,00,000
Min. credit score
700+
720+
Best for
Online shopping
Travel
Bonus reward categories differ, see the rule tables on each card's detail page for the fine print.
Tapwise verdict
Millennia edges out for most wallets.
- Lighter annual fee, ₹1,000 vs ₹2,500.
- Easier to qualify, ₹35,000/mo income gets you in versus ₹1,00,000/mo.
Composite score
Millennia56
Regalia Gold53
Scored on fee, base rate, qualification, and rule confidence. Tapwise's personal recommendation also weighs your actual spending.
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