HDFC Regalia vs Millennia

Redeem the points first and then upgrade.

Does HDFC started processing new credit cards?

Considering that you were able to accumulate 7000 points in less than a year ( points expire in an year in millennia) you might as well retain the card. Though overall reward rate on regalia is 1.35% considering 2.5% reward rate on online transactions and 5% cashback on hdfc smartbuy transactions, it makes it better than regalia(since most spends gave become online). But again if you are looking for infinia card, I think you must go for the upgrade. Because a lot of people who have regalia received infinia upgrades( not sure if millenia to infinia upgrade is provided).

I upgraded to regaliya this month tell me benifit.

You can find all the benefits of regalia below -
https://www.hdfcbank.com/personal/pay/cards/cre...

In a nutshell,
4 rp per ₹150 spent
12 airport lounge access per year
2% currency markup charge on international transactions
10000 bonus rp on 5L spends and additional 5000 bonus rp on 8L spends.
1 rp =.₹0.5 for flight and hotels redemption
1rp =₹0.35 for gift cards.

Is it additional 5000RP on 8l spends or is it 15000RP in addition to the 10000RP received at 5l?

I think the points are transferred to upgraded card with points adjusted to value.

Any body have Millenia debit or credit card. I need it for smartbuy transaction.

I also upgraded to Regalia but I think as we spend more online, Millenia is better than Regalia. I might be wrong. Let me know why you think Regalia is better than Millenia for someone who never does offline spending for large transactions?

Because next upgrade will be DBC or Infinia..