HDFC Bank MoneyBack Plus Credit Card VS HDFC Bank Regalia First Credit Card
Both HDFC Bank MoneyBack Plus Credit Card and HDFC Bank Regalia First Credit Card suit shopping-focused spenders, but they earn and cost differently. HDFC Bank MoneyBack Plus Credit Card costs ₹500 + GST and earns 10X CashPoints on Amazon, Flipkart, Swiggy; 2 CashPoints/₹150 on other retail spends. HDFC Bank Regalia First Credit Card costs ₹1,000 + GST and earns 4 Reward Points for every Rs. 150 spent on all retail purchases. HDFC Bank MoneyBack Plus Credit Card also brings receive 500 CashPoints as welcome gift upon fee payment, and 500 CashPoints on annual renewal, while HDFC Bank Regalia First Credit Card counters with not Available. If dining spending matters more, go with HDFC Bank MoneyBack Plus Credit Card; if travel is the priority, HDFC Bank Regalia First Credit Card fits better.
Fees & Charges
Rewards & Benefits
Travel & Lifestyle
Security & Other
HDFC Bank MoneyBack Plus Credit Card
HDFC Bank Regalia First Credit Card
Who is it for?
Who is it for?
Pros
Key benefits and features.
Offers an impressive reward rate of up to 3.33% on partner brands.
Flexible CashPoints redemption options, including statement adjustment and travel.
Earn valuable quarterly gift vouchers worth up to ₹2,000 annually based on spend.
Annual fee waiver achievable with a reasonable annual spending threshold.
Provides attractive dining benefits with Swiggy Dineout for food enthusiasts.
Pros
Key benefits and features.
Earn 5,000 Reward Points on annual spends of Rs. 3 Lakhs or more.
Accumulate up to 7,500 bonus Reward Points annually through milestone benefits.
Comprehensive insurance covers include air accident, hospitalization & credit liability.
Renewal fee waiver available on annual spends exceeding Rs. 1 Lakh.
Cons
Key drawbacks and limitations.
CashPoints earning is capped at 2,500 points per month on accelerated categories.
A rewards redemption fee of ₹99 + GST is charged for point redemptions.
High foreign currency markup of 3.5% makes international spends less ideal.
High interest rate of 45% annually on revolving credit if not paid fully.
Numerous exclusions exist for CashPoint earning, including fuel and wallet loads.
Cons
Key drawbacks and limitations.
A reward redemption fee of Rs. 99 is always applicable.
Does not provide any complimentary domestic or international lounge access.
No reward points are earned when making fuel transactions.
The foreign currency markup can be as high as 3.5%.