Side-by-side · honest numbers
HDFC Millennia Credit Card vs HDFC Regalia Gold vs IndusInd Bank Platinum Credit Card
Honest side-by-side comparison of HDFC Millennia Credit Card, HDFC Regalia Gold, IndusInd Bank Platinum Credit Card — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.
At a glance (moderate spend)
Quick verdict: On moderate spend, HDFC Millennia Credit Card ranks first for estimated net annual value — ahead of HDFC Regalia Gold by about ₹3,274/yr.
| Feature | HDFC Millennia Credit Card HDFC Bank | HDFC Regalia Gold HDFC Bank | IndusInd Bank Platinum Credit Card IndusInd Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹1,000 | ₹2,500 | Lifetime free |
| Fee waiver threshold | Waived at ₹1,00,000/yr spend | Waived at ₹4,00,000/yr spend | Lifetime free |
| Min income | ₹35,000/mo | ₹50,000/mo | ₹20,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹8,830/yr | ₹5,556/yr | -₹20/yr |
| Online shopping | 5% cashback → ₹500/mo (₹6,000/yr) | — | — |
| Top reward rate | 5% | 4 RP/₹150 | 1 reward point/₹150 |
| Primary reward cap | ₹1,000 eligible spend/mo | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | None | Up to 2 lounge vouchers/quarter · ₹1,00,000 spend per calendar quarter — generate voucher on Regalia SmartBuy (intl PP separate) | None |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Wallet · Government | EMI · Fuel · Rent · Wallet | EMI · Fuel · Rent |
| Bonuses | |||
| Signup bonus | ₹1,000 | ₹2,500 | — |
Frequently asked questions
- Which card has the lower annual fee?
- IndusInd Bank Platinum Credit Card has a ₹0 annual fee (lifetime free or zero-fee tier).
- Which card earns more on moderate spend?
- HDFC Millennia Credit Card leads with an estimated ₹8,830/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- IndusInd Bank Platinum Credit Card lists a minimum monthly income of ₹20,000.
- Does this comparison pull my credit score?
- No. CardHungry estimates net value from public fee and reward rules only — no bureau check.
Customize your spend
Change spend profile or swap cards — results update live below.
HDFC Millennia Credit Card
HDFC Bank
HDFC Regalia Gold
HDFC Bank
IndusInd Bank Platinum Credit Card
IndusInd Bank
Your adjusted comparison
| Feature | HDFC BankGold HDFC Millennia Credit Card •••• •••• •••• 4242 Quick facts HDFC Millennia Credit Card Top reward5% Annual fee₹1,000 Min income₹35,000/mo Tap to flip back HDFC Millennia Credit Card HDFC Bank | HDFC BankPlatinum HDFC Regalia Gold •••• •••• •••• 4242 Quick facts HDFC Regalia Gold Top reward4 RP/₹150 Annual fee₹2,500 Min income₹50,000/mo Tap to flip back HDFC Regalia Gold HDFC Bank | IndusInd BankPlatinum IndusInd Bank Platinum Credit Card •••• •••• •••• 4242 Quick facts IndusInd Bank Platinum Credit Card Top reward1 reward point/₹150 Annual feeLifetime Free Min income₹20,000/mo Tap to flip back IndusInd Bank Platinum Credit Card IndusInd Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹1,000 | ₹2,500 | Lifetime free |
| Fee waiver threshold | Waived at ₹1,00,000/yr spend | Waived at ₹4,00,000/yr spend | Lifetime free |
| Min income | ₹35,000/mo | ₹50,000/mo | ₹20,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹8,830/yr | ₹5,556/yr | -₹20/yr |
| Online shopping | 5% cashback → ₹500/mo (₹6,000/yr) | — | — |
| Top reward rate | 5% | 4 RP/₹150 | 1 reward point/₹150 |
| Primary reward cap | ₹1,000 eligible spend/mo | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | None | Up to 2 lounge vouchers/quarter · ₹1,00,000 spend per calendar quarter — generate voucher on Regalia SmartBuy (intl PP separate) | None |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Wallet · Government | EMI · Fuel · Rent · Wallet | EMI · Fuel · Rent |
| Bonuses | |||
| Signup bonus | ₹1,000 | ₹2,500 | — |
Share this comparison
https://cardhungry.com/in/en/compare/hdfc-millennia-vs-hdfc-regalia-gold-vs-indusind-platinumMore HDFC Millennia Credit Card comparisons
- HDFC Millennia Credit Card vs 811 Dream Different Credit Card
- HDFC Millennia Credit Card vs AU Altura Credit Card
- HDFC Millennia Credit Card vs AU Zenith Credit Card
- HDFC Millennia Credit Card vs American Express Gold Card
- HDFC Millennia Credit Card vs American Express Platinum Travel Card
- HDFC Millennia Credit Card vs American Express SmartEarn Credit Card
- HDFC Millennia Credit Card vs Amex Membership Rewards CC
- HDFC Millennia Credit Card vs Axis Bank ACE Credit Card
- HDFC Millennia Credit Card vs Axis Bank Airtel Credit Card
- HDFC Millennia Credit Card vs Axis Bank Atlas Credit Card
- HDFC Millennia Credit Card vs Axis Bank Flipkart Credit Card
- HDFC Millennia Credit Card vs Axis Bank Magnus Credit Card