Head-to-head · 🇮🇳 India
HDFC Regalia Gold vs HDFC MoneyBack+
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
Premium
HDFC Bank
HDFC Regalia Gold
VISA
Wins 4 of 10
IN
HDFC Bank
HDFC MoneyBack+
VISA
Wins 5 of 10
Verdict
HDFC MoneyBack+ wins 5-4. Entry-level cashback with very low waiver bar. HDFC Regalia Gold is still the right call if mid-tier travel + dining without the diners black price tag.
Side-by-side
| Criterion | HDFC Regalia Gold | HDFC MoneyBack+ |
|---|---|---|
| Annual fee | · ₹2,500 | ₹500 |
| Joining fee | · ₹2,500 | ₹500 |
| Top reward rate | 25% (travel) | · 5% (shopping) |
| Base reward rate | 4% | · 2% |
| Forex markup | 2% | · 3.5% |
| Welcome bonus | = 2,500 reward points + ₹1,500 Marriott / Cult.fit voucher | = 500 CashPoints on first transaction |
| Fee waiver threshold | · ₹400,000 / yr | ₹50,000 / yr |
| Min income | · ₹1,200,000 | ₹240,000 |
| Min credit score | · 770 | 720 |
| Editorial rating | 4.6/5 | · 4.1/5 |
Benefits compared
HDFC Regalia Gold
- 5x reward points on travel + dining via SmartBuy
- 4 complimentary international lounge visits per year (Priority Pass)
- 12 complimentary domestic lounge visits per year
- Annual memberships: Club Vistara Silver, MMT Black Elite
- Low forex markup: 2%
- Milestone benefits at ₹1.5L, ₹3L and ₹4L spend
HDFC MoneyBack+
- 5% on Amazon, Flipkart, Big Basket, Reliance Smart Bazaar (capped ₹1K/month)
- 2% on EMI transactions
- 1 fuel surcharge waiver
- Quarterly milestone vouchers
FAQ
›HDFC Regalia Gold vs HDFC MoneyBack+: which is better?
HDFC MoneyBack+ wins on more dimensions (5 vs 4). But the right answer depends on your specific spending pattern — see the calculator below.
›Can I get both?
Yes — if your credit profile supports it, holding both is the optimal play. Use HDFC Regalia Gold for its best categories, HDFC MoneyBack+ for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
HDFC Regalia Gold: 2,500 reward points + ₹1,500 Marriott / Cult.fit voucher. HDFC MoneyBack+: 500 CashPoints on first transaction.