Check below for a comparison between the HDFC Moneyback credit card vs HDFC Regalia credit card or HDFC Regalia credit card vs HDFC Moneyback credit card and find which is better –

As you navigate the array of HDFC Bank credit cards, the choice between the HDFC Moneyback Credit Card and the HDFC Regalia Credit Card becomes pivotal, offering distinct benefits to diverse financial preferences.

The HDFC Moneyback Credit Card stands out for its simplicity, providing cashback rewards on everyday expenses and making it an ideal choice for those seeking uncomplicated yet rewarding transactions.

In contrast, the HDFC Regalia Credit Card caters to the discerning customer, offering a premium suite of privileges, including travel benefits, lifestyle perks, and comprehensive rewards.

This in-depth comparison unveils the unique features of each card, assisting you in making an informed decision aligned with your spending habits and financial aspirations.

Whether you prioritize straightforward cashback or desire an elevated experience with premium rewards, understanding the intricacies of these HDFC credit cards will guide you towards the one that seamlessly harmonizes with your financial goals.

Overview of Moneyback Credit card

Every year, upon payment of the joining or renewal fee, you receive a welcome and renewal benefit of 500 Cash points.

The renewal fee can be waived based on your annual spending. This card provides 4 Reward Points for every Rs. 150 spent online and 2 Reward Points for every Rs. 150 spent on other categories.

Redeem these points for cashback, SmartBuy flight/hotel bookings, and various products/vouchers. Additionally, quarterly spending can earn you gift vouchers every quarter.

Overview of HDFC Regalia credit card

Tailored for those seeking premium travel and lifestyle perks, the HDFC Bank Regalia Credit Card features a comprehensive reward points system. HDFC Bank’s offering includes detailed information on features, benefits, fees, and eligibility.

Priced at Rs 2,500 annually, this card welcomes you with a bonus of 2,500 Reward Points. Across lifestyle, travel, and dining, the HDFC Regalia Card stands out for its array of advantages, solidifying its position as one of HDFC’s premier credit cards.

Staying true to its commitment to luxury and travel privileges, the card provides complimentary Airport Lounge Access both domestically and internationally.

Earning 4 Reward Points for every Rs. 150 spent on the card allows for redemption across diverse categories with a value of up to Re. 0.5 per point.

Noteworthy is the card’s low foreign currency markup, making it a preferred choice for international transactions.

Additionally, the card boasts commendable dining benefits and 24X7 Concierge services.

HDFC Moneyback credit card vs HDFC Regalia credit card

Features/Charges	HDFC Moneyback Credit Card	HDFC Regalia credit card
Joining Fees	Rs. 500 + Taxes	Rs. 2500 + Taxes
Annual Fees	Rs. 500 + Taxes	Rs. 2500 + Taxes
Welcome Benefits	Upon completing the membership fee payment, you’ll gain a welcome benefit of 500 Cash Points.	To mark your initiation, here’s a welcome bonus of 2,500 Reward Points.
Cashback / Rewards point	Get 4 Reward Points for each Rs 150 spent online, and on any other type of expense, receive 2 Reward Points.	Get 4 Reward Points with each transaction totaling Rs. 150.
Dining benefits	Get up to 20% off on your restaurant expenditures through Swiggy Dineout.	Secure an exclusive dine-out passport membership, offering an additional 5% discount and early entry to diverse festivals and events taking place at specific hotels.
Travel benefits	N/A	Secure complimentary entry to Domestic and International Lounges, along with the inclusive provision of Travel Insurance.
Annual fees waiver	Spending Rs. 50,000 or higher in the preceding year results in the annulment of the annual fee.	Obtain a waiver on the annual fee by spending 3 lakhs or more using this card.
Fuel surcharge waiver	A waiver of the 1% fuel surcharge is granted for every fuel transaction.	Get a 1% exemption on fuel surcharge for transactions ranging from Rs. 400 to Rs. 5000.