Imagine this: You’re sitting at a coffee shop, sipping your favorite cappuccino, scrolling through your banking app, and suddenly you see a pop-up. Congratulations! You are eligible for the HDFC Millennia Credit Card as Lifetime Free (LTF). Sounds great, right? But wait—you already have the SBI Cashback Card, which earns you great rewards on online spending.
So now, you’re in a dilemma. Is the HDFC Millennia Credit Card the best for cashback, or should you consider a better option like Regalia Gold? If you mostly spend on Amazon Pay gift vouchers, online groceries, and shopping on Amazon and Flipkart, and your monthly spend is around ₹30,000, which HDFC card will maximize your rewards?
Understanding Your Spending Pattern
Before jumping into the best HDFC credit card, let’s evaluate your spending habits. Based on your inputs, here’s a rough split:
- Amazon Pay Gift Vouchers – Major chunk of spending
- Online grocery shopping – Regular spending
- Amazon & Flipkart shopping – Frequent purchases
- Total monthly spending: Around ₹30,000
Now, let’s compare two top HDFC credit cards: Millennia vs. Regalia Gold.
HDFC Millennia Credit Card – Is It the Best for Cashback?
Key Benefits of HDFC Millennia Credit Card
- 5% Cashback on Amazon, Flipkart, and select merchants (via SmartBuy)
- 1% Cashback on all other spends
- ₹1,000 worth welcome benefits
- Complimentary Lounge Access (8 per year – domestic)
- ₹1,000+ GST annual fee (Waived on ₹1L annual spend)
Pros:
- Ideal for online shoppers (Amazon & Flipkart cashback)
- Good for beginners – Low eligibility criteria
- Lounge Access for occasional travelers
Cons:
- Cashback credited only after reaching ₹500
- Capped at ₹1,000 per month
- Not great for offline spending
Verdict: Since you’re spending mainly on Amazon Pay GV & Flipkart, the 5% cashback sounds like a good deal, but is there a better alternative?
HDFC Regalia Gold Credit Card – A Stronger Competitor?
Key Benefits of HDFC Regalia Gold Credit Card
- 5X Reward Points on Amazon, Flipkart, and online spends
- Complimentary Airport Lounge Access (12 per year)
- ₹1,500 worth welcome benefits
- Dining & Travel Benefits
- ₹2,500 + GST annual fee (Waived on ₹4L annual spend)
Pros:
- Higher reward value compared to Millennia
- Perfect for frequent travelers (Lounge Access)
- Premium features like Dining Discounts
Cons:
- Higher eligibility criteria (Min ₹1L salary per month)
- Annual Fee is higher
- More travel-focused than cashback-focused
Verdict: If you travel often & spend big, Regalia Gold is a better long-term card, but for pure cashback lovers, Millennia is still stronger.
Other HDFC Cashback Credit Cards You Can Consider
HDFC MoneyBack+ Credit Card
- 2% cashback on online spends
- 1% cashback on all other spends
- Ideal for first-time credit card users
HDFC Diners Club Privilege Credit Card
- Best for premium travelers
- Higher reward points system but less direct cashback
HDFC Millennia vs Regalia Gold – Final Comparison
| Feature | Millennia | Regalia Gold |
|---|---|---|
| Cashback | 5% (Amazon/Flipkart) | 5X Reward Points |
| Offline Rewards | 1% Cashback | 1 RP per ₹150 spent |
| Lounge Access | 8 per year (Domestic) | 12 per year (Intl & Domestic) |
| Annual Fee | ₹1,000 (Waived at ₹1L Spend) | ₹2,500 (Waived at ₹4L Spend) |
| Best For | Cashback on Shopping | Travel & Lifestyle |
Which HDFC Credit Card Should You Choose?
Choose HDFC Millennia If:
- You spend heavily on Amazon, Flipkart, & online shopping
- You want maximum cashback on digital spending
- You need an easy-to-maintain LTF card
Choose HDFC Regalia Gold If:
- You travel frequently & need lounge access
- You want a card with premium perks & better rewards
- Your annual spend is ₹4L+ to waive the annual fee
Frequently Asked Questions
Which HDFC credit card offers the highest cashback benefits?
The HDFC Millennia Credit Card is one of the best for cashback, offering 5% cashback on online spends via Amazon, Flipkart, and other partner merchants, along with 1% cashback on other spends.
Is there an annual fee for HDFC cashback credit cards?
Yes, most HDFC cashback credit cards have an annual fee. For example, the HDFC Millennia Credit Card has an annual fee of ₹1,000, which can be waived on spending ₹1 lakh annually.
How does the cashback system work on HDFC credit cards?
Cashback is usually credited as reward points or directly adjusted against the statement balance. For some cards, cashback is auto-credited within a billing cycle, while others may require redemption.
Can I use HDFC cashback credit cards for utility and fuel payments?
Yes, but cashback benefits on fuel and utility bills may be limited. Some cards, like the HDFC MoneyBack+, offer cashback on bill payments, but fuel transactions may not qualify for cashback.
How can I apply for an HDFC cashback credit card?
You can apply online through the HDFC Bank website or visit a branch. Eligibility depends on your income, credit score, and employment status. Instant approval is available for pre-approved customers.
Conclusion
Choosing the best HDFC credit card for cashback depends on your spending habits and lifestyle needs. If you frequently shop online, the HDFC Millennia Credit Card offers 5% cashback on leading e-commerce platforms. For general spending, the HDFC MoneyBack+ Credit Card provides consistent cashback on retail and utility payments. Meanwhile, premium users can explore the HDFC Regalia Gold Credit Card, which combines rewards with exclusive benefits.
Before applying, consider factors like annual fees, cashback categories, redemption processes, and eligibility criteria to maximize savings. With the right HDFC cashback credit card, you can make every purchase more rewarding!
