Compare : HDFC Regalia Gold Credit Card vs HDFC Millennia Credit Card

Complimentary Swiggy One & MMT Black Elite memberships

Free gift voucher worth Rs. 2,500

Bonus 1,000 cash points on joining fee payment

4 reward points on every Rs. 150 spent

20 reward points on every Rs. 150 spent at Marks & Spencer, Myntra, Reliance Digital, Nykaa

1 Reward Point = Up to Rs. 0.65

5% cashback up to 1,000 cash points/month on Flipkart, Swiggy, Amazon, BookMyShow, Myntra, Uber, Cult.fit, Sony LIV, Tata CLiQ and Zomato

1% cashback up to 1,000 cash points/month on other spends

12 complimentary lounge access within India and 6 complimentary lounge access per calendar year outside India

Up to 4 complimentary domestic airport lounge access per year (1 per quarter) on Rs. 1 lakh quarterly spends

5X rewards on Nykaa, Myntra, Marks & Spencer, and Reliance Digital

Rewards on generally-excluded categories like insurance, utilities and education

Multiple redemption options with good redemption value

Travel benefits like Priority Pass Membership, complimentary lounge access, flight vouchers, etc.

Vouchers worth Rs. 16,000 in a year as milestone benefits

Low foreign exchange mark-up fee of 2%

Up to 5% cashback on major lifestyle-related online spends

Bonus points worth the joining fee on activation

Multiple redemption options with redemption value of up to 1:1

Annual fee waiver condition is quite easily achievable

Accelerated earning is limited to select brands only

Low redemption value on product/voucher purchase and cash conversion

High spending threshold to make the most of milestone benefits=

Monthly capping on cashback earning

Low cashback rate for non-accelerated category

Exclusion of major everyday spends like utilities and rent from cashback earning

Lounge access benefit is optional and spend-based

People looking for an all-rounder credit card with inclined benefits on travel and partnered shopping brands like Marks & Spencer, Myntra, Nykaa, etc.

Those who frequently spend online across partner brands.