HDFC Bank Regalia Gold Credit Card vs IDFC FIRST Millennia Credit Card
Compare HDFC Bank Regalia Gold Credit Card, IDFC FIRST Millennia Credit Card side by side: annual fees, interest rates, rewards and eligibility to find the right card for you.
HDFC Bank •••• •••• •••• •••• Credit Card Compare HDFC Bank Regalia Gold Credit Card | IDFC FIRST Bank •••• •••• •••• •••• Credit Card Compare IDFC FIRST Millennia Credit Card |
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Card details
CardIQ
How we calculate scores| Overall | 46Fair | 62Good Highest |
|---|---|---|
| Airport lounge | 45/100 | – |
| Lifetime free | – | 73/100 |
| Rewards | 36/100 | 39/100Highest |
| Travel | 58/100 | 72/100Highest |
The basics
| Card tier | Not published | Not published |
|---|---|---|
| Card type | Not published | Not published |
| Credit rating | Not published | Not published |
| Rewards program | HDFC Bank Reward Points | IDFC FIRST Bank Reward Points |
| Credit limit | Not published | Not published |
Eligibility
| Minimum age | 21 years old | Not published |
|---|---|---|
| Minimum income | ₹12,00,000 p.a. | ₹3,00,000 p.a.Lowest |
| Residency | Indian nationality; salaried aged 21 to 60 (net monthly income above ₹1,00,000 government, above ₹1,50,000 non-government); self-employed aged 21 to 65 (ITR above ₹18 lakh a year) | Not published |
| Joint application | Not published | Not published |
| Temporary residents | Not published | Not published |
| Instant approval | Not published | Not published |
Repayments
| Interest-free period | Up to 50 daysHighest | Up to 45 days |
|---|---|---|
| Minimum repayment | 5% of (retail spends + cash advance + finance charge) plus GST, EMI amounts, 100% of fees and charges and any over-limit amount; where 5% is less than the finance charge, 100% of the finance charge plus 5% of retail spends and cash advance (HDFC Bank MITC, from June 2025) | MITC: minimum amount due is the sum of EMI, interest (finance charges), fees, other charges and taxes, any amount over the limit, plus 2% of the principal balance outstanding (purchases, cash and balance transfer; 5% for statements before 1 September 2024); if the total amount due is under ₹100 the minimum due is the total amount due |
Rates & fees
Ongoing interest rates
| Purchases | 45.00% p.a.Lowest | 46.20% p.a. |
|---|---|---|
| Cash advances | 45.00% p.a.Lowest | 46.20% p.a. |
Fees
| Annual fee | ₹2,500 p.a. | No annual feeLowest |
|---|---|---|
| Monthly fee | — | — |
| Additional cardholder fee | ₹0Lowest | ₹499 |
| Cash advance fee | 2.5% of the amount | — |
| Foreign transaction fee | 2% | 0%Lowest |
| Late payment fee | ₹1,300 | ₹1,300 |
Rewards
How many points could you earn?
Enter your monthly spend to see estimated annual points for each card below.
Earn rate
| Everyday spend | 5 Reward Points per ₹200 | 3 Reward Points per ₹200 |
|---|---|---|
| Bonus categories | None | 10 Reward Points per ₹200 in bonus categories |
| Other purchases | None | 1 Reward Point per ₹200 on other purchases |
| Overseas spend | None | None |
| Reduced rate above monthly cap | None | None |
| Points cap | Maximum 50,000 points per month | Uncapped |
| Points expiry | Valid for 2 years from the date of accumulation (reward points terms PDF) | 24 months from the date they are credited |
| Estimated annual points | 22,500 ptsWorth ₹11,250Highest | 13,500 ptsWorth ₹3,375 |
Sign-up bonus
| Sign-up bonus | — | — |
|---|---|---|
| Bonus spend required | — | — |
Related comparisons
Sources
- Credit Card Compare
- How CardIQ scores cards
- Issuers
- HDFC BankIDFC FIRST Bank