HDFC Regalia Credit Card Vs Moneyback Credit Card - Which Is Better?

We have picked up two credit cards from HDFC Bank's exclusive selection that are available for first-time applicants. The HDFC Bank offers two credit cards: the Moneyback credit card and the Regalia credit card. Both of these credit cards offer customers amazing rewards and privileges. Learn more about HDFC Bank's two credit cards in the sections below.

Overview of HDFC Regalia credit card and Moneyback credit card

Basis	HDFC Regalia Credit Card	HDFC Moneyback Credit Card
Card Type	Reward Points	Reward Points /Cashback
Joining Fee	Rs 2500 + GST	Rs 500 + GST
Renewal Fee	Rs 2500 + GST	Rs 500 + GST
Spend Based Waiver	Yes	Yes
Welcome Benefits	No	Yes
Milestone Benefits	Yes	Yes

 Have a look at the below given detailed information of these credit cards and all the offerings and deals you get with these HDFC credit cards.

HDFC Regalia Credit Card

With a Regalia HDFC credit card, you get unlimited lifestyle and travel benefits on your spendings. This Regalia credit card is a premium offering by the HDFC bank and comes in a Visa Signature variant. You get 4 reward points on every Rs 150 spent using your credit card. These reward points can be redeemed at the HDFC Smartbuy reward portal, statements cash or Air Miles.

Joining Fee: Rs 2500

Renewal Fee: Rs 2500

Spend Based Waiver: The customers get renewal fee waiver on spending of more than 3 lakhs in previous year.

Milestones Benefits: You get 10,000 reward points on annual spending of Rs 5 lakhs. You get an additional bonus of 5000 reward points on annual spending of Rs 8 lakhs.

Features of HDFC Regalia Credit card

●       You get 4 reward points on every Rs 150 spent on retail. No reward points shall be credited on Fuel, EMI and wallet transactions

●       2500 reward points sign up bonus as welcome benefit

●       Get amazing deals and special discounts at restaurants with your HDFC Bank Regalia credit card

●       Complimentary lounge access both at domestic and international terminals

●       Insurance benefit including accidental death cover worth Rs 1 crore.

●       1% fuel surcharge waiver on fuel transactions  between Rs 400 to Rs 5000

HDFC Moneyback Credit Card

With a HDFC Moneyback credit card, you can earn both reward points as well as cashback. You get 4 reward points on every Rs 150 spent online and 2 reward points on every Rs 150 on other categories. The cardholders also get 500 cash points as a sign up bonus on payment of membership fees. These reward points can be redeemed against Smartbuy portal and  statement cash.

Joining Fee: Rs 500

Renewal Fee: Rs 500

Spend Based Waiver: Get a spend based waiver on joining fee on annual spending of Rs 20,000 or more and renewal fee waiver on spending of Rs 50,000 in previous year.

Milestone Benefit:  You get gift voucher worth Rs 500 on annual spending of Rs 50,000

Features of HDFC Moneyback Credit Card

●       4 Reward Point on every Rs 150 spent online and 2 Reward Points on every spent on other categories

●       Get 500 cash points as sign up bonus on payment of membership fees

●       Gift voucher of Rs 500 on annual spending of Rs 50,000

●       1% fuel surcharge waiver on transactions at petrol pumps across India.

Bottomline

The HDFC Regalia credit card and Moneyback credit card both provide customers with a rewarding experience. Therefore, it will be difficult to choose between the two. If you are looking for an entry level card with a low annual fee then the Moneyback credit is the right one. The Regalia credit card is a premium card with reasonably high annual fee compared to the Moneyback credit card. You get a better reward rate on the Regalia credit card than the Moneyback credit card.

Additional Reading - HDFC Regalia Credit Card vs 6E Rewards XL