HDFC Regalia Gold vs HDFC Millennia vs Canara RuPay Select
Side-by-side credit card comparison to help you choose the best one.
Our Pick
HDFC Regalia Gold
4.8
Why this card wins: Travel & Luxury — 4X reward points on every ₹150 spent
| Feature | HDFC Regalia Gold | HDFC Millennia | Canara RuPay Select |
|---|---|---|---|
| Bank | HDFC Bank | HDFC Bank | Canara Bank |
| Card Type | Premium | Cashback | Entry Level |
| Annual Fee | ₹2,500 + GST | ₹1,000 + GST | ₹500 + GST |
| Joining Fee | ₹2,500 + GST | ₹1,000 + GST | ₹500 + GST |
| Rewards | 4X reward points on every ₹150 spent | 5% Cashback on Amazon, Flipkart, Swiggy | 1 reward point per ₹100 spent |
| Best For | Travel & Luxury | Online Shopping | Budget Users |
| Interest Rate | 3.49% per month (41.88% p.a.) | 3.49% per month (41.88% p.a.) | 3.49% per month (41.88% p.a.) |
| Credit Limit | ₹2,00,000 - ₹10,00,000 | ₹50,000 - ₹5,00,000 | ₹25,000 - ₹2,00,000 |
| Welcome Benefit | 2500 reward points on first spend | 1000 Cash Points on first txn | None |
| Min Income | ₹60,000/month | ₹25,000/month | ₹12,000/month |
| Lounge Access | 12 domestic + 6 international per year | 8 domestic per year | None |
| Fuel Surcharge Waiver | 1% waiver on ₹400-₹5,000 txns | 1% waiver on ₹400-₹5,000 txns | 1% waiver on ₹400-₹4,000 txns |
| Foreign Txn Fee | 3.5% + GST | 3.5% + GST | 3.5% + GST |
| Add-On Card Fee | Free | Free | Free |
| Rating | 4.8 | 4.6 | 3.8 |
| Contactless | |||
| EMI Conversion |
Key Features
Our Pick
HDFC Regalia Gold
Travel & Luxury
Visa • Premium
- Complimentary Club Marriott membership
- Complimentary flight tickets on spend milestones
- 12 domestic & 6 international lounge visits
- 1% fuel surcharge waiver (₹400-₹5000)
HDFC Millennia
Online Shopping
Mastercard • Cashback
- 1% cashback on all offline spends
- 8 complimentary domestic lounge visits per year
- Welcome benefit of 1000 Cash Points
- Quarterly milestone rewards of ₹1000
Canara RuPay Select
Budget Users
RuPay • Entry Level
- RuPay UPI linkage supported
- Fuel surcharge waiver up to ₹100/month
- Personal accident insurance ₹5 Lakh
- Easy EMI conversion available
Verdict
Based on rating and overall value, HDFC Regalia Gold ranks highest among your selected cards. It excels at Travel & Luxury and offers 4X reward points on every ₹150 spent.