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SBI Cashback CardHDFC Regalia Gold Credit CardHDFC Millennia Credit Card
Card
HDFC BankPREMIUM
•••• •••• •••• 4242
HDFC Regalia Gold Credit Card
VISA
HDFC Bank
HDFC Regalia Gold Credit Card4.5editorHDFC BankMID
•••• •••• •••• 4242
HDFC Millennia Credit Card
VISA
HDFC Bank
HDFC Millennia Credit Card4.4editorFees
Joining fee
₹999 + GST
₹2,500 + GST
₹1,000 + GST
Annual fee
₹999 + GST
₹2,500 + GST
₹1,000 + GST
Fee waiver
Waived on ₹2 lakh annual spends
Waived on ₹4 lakh annual spends
Waived on ₹1 lakh annual spends
Forex markup
3.5%
2%
3.5%
Interest rate
3.5% p.m. (42% p.a.)
3.5% p.m. (42% p.a.)
3.5% p.m. (42% p.a.)
Rewards
Reward rate
5% online · 1% offline
4 RP per ₹150 · 5X on partners
5% on 10 top brands · 1% elsewhere
Effective value
Up to 5%
Up to 2.7%
Up to 4%
Reward type
Cashback
Points
Cashback
Welcome benefit
No welcome bonus
₹2,500 gift voucher + Club Vistara Silver & MMT Black Elite
1,000 CashPoints on fee payment
Milestone benefits
—
₹1,500 vouchers at ₹1.5L quarterly; ₹5,000 at ₹5L & ₹7.5L annual
₹1,000 voucher on ₹1 lakh quarterly spends
Travel & lifestyle
Domestic lounge
None
12 / yr
4 / yr
International lounge
None
6 / yr
None
Fuel surcharge waiver
Insurance cover
—
₹1 Cr air accident, ₹15L emergency overseas
—
Eligibility
Minimum income
₹25,000/mo
₹1,00,000/mo
₹35,000/mo
Age
21 – 60
21 – 60
21 – 60
Credit score
720+
750+
720+
Employment
Salaried, Self-employed
Salaried, Self-employed
Salaried, Self-employed
Basics
Network
Visa
Visa
Visa
Tier
Mid-range
Premium
Mid-range
Categories
Cashback, Shopping
Rewards, Travel, Lounge Access, Premium
Cashback, Shopping, Dining & Movies, Lounge Access
Editor score
91/100
89/100
88/100