Hey Community Members!
Need your opinion—should I upgrade my HDFC Millennia to Regalia Gold or stick with Millennia? Confused about the benefits. Help me to decide.
Current Card: HDFC Millennia
5% cashback on Amazon/Flipkart/Zomato/Swiggy
1% unlimited cashback on other spends
No joining/renewal fees (LTF for me)
Lounge access only on spends
Upgrade Offer: HDFC Regalia Gold
4 Reward Points/₹150 (≈1.3-2% return)
Domestic & intl. lounge access
Golf lessons, travel vouchers, etc.
No joining/renewal fees (LTF for me)
My Usage:
- Monthly spends: ~₹5-15K (online shopping, dining, grocery)
- Never visited airport so never used lounge access
- Prefer **cashback** over reward points (hate redemption hassles!)
My Questions are:
- Have anyone used both cards and Which gave better value?
- Is Regalia Gold worth it if I don’t care much for lounges?
- Should I opt for LTF Regalia Gold over LTF Millennia?
Help Me to Decide.
Thanks

Current Card: HDFC Millennia
5% cashback on Amazon/Flipkart/Zomato/Swiggy
1% unlimited cashback on other spends
No joining/renewal fees (LTF for me)
Lounge access only on spends
Upgrade Offer: HDFC Regalia Gold
4 Reward Points/₹150 (≈1.3-2% return)
Domestic & intl. lounge access
Golf lessons, travel vouchers, etc.
No joining/renewal fees (LTF for me)
My Usage:
- Monthly spends: ~₹5-15K (online shopping, dining, grocery)
- Never visited airport so never used lounge access
- Prefer **cashback** over reward points (hate redemption hassles!)
My Questions are:
- Have anyone used both cards and Which gave better value?
- Is Regalia Gold worth it if I don’t care much for lounges?
- Should I opt for LTF Regalia Gold over LTF Millennia?
Help Me to Decide.
Thanks
