HDFC Regalia Gold vs HDFC Millennia vs OneCard Metal
Side-by-side credit card comparison to help you choose the best one.
| Feature | HDFC Regalia Gold | HDFC Millennia | OneCard Metal |
|---|---|---|---|
| Bank | HDFC Bank | HDFC Bank | OneCard (FPL) |
| Annual Fee | ₹2,500 + GST | ₹1,000 + GST | Lifetime Free |
| Joining Fee | ₹2,500 + GST | ₹1,000 + GST | Nil |
| Rewards | 4X reward points on every ₹150 spent | 5% Cashback on Amazon, Flipkart, Swiggy | 5X reward points on top 2 spend categories |
| Best For | Travel & Luxury | Online Shopping | Tech-Savvy Users |
| Card Type | Premium | Cashback | Premium |
| Rating | 4.8 | 4.6 | 4.6 |
HDFC Regalia Gold
Travel & Luxury
- ✓ 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
- ✓ 1% cashback on all offline spends
- ✓ 8 complimentary domestic lounge visits per year
- ✓ Welcome benefit of 1000 Cash Points
- ✓ Quarterly milestone rewards of ₹1000
OneCard Metal
Tech-Savvy Users
- ✓ Metal card — no annual fee ever
- ✓ Auto-detects your top spend categories for 5X
- ✓ Real-time spend analytics in app
- ✓ Instant EMI conversion on any purchase
Our Recommendation
Based on rating and overall value, HDFC Regalia Gold currently ranks highest among your selected cards.