Head-to-head · 🇮🇳 India
HDFC Regalia vs HDFC MoneyBack+
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
HDFC Bank
HDFC Regalia
VISA
Wins 3 of 10
IN
HDFC Bank
HDFC MoneyBack+
VISA
Wins 6 of 10
Verdict
HDFC MoneyBack+ wins 6-3. Entry-level cashback with very low waiver bar. HDFC Regalia is still the right call if mid-tier travel without the regalia gold price tag..
Side-by-side
| Criterion | HDFC Regalia | HDFC MoneyBack+ |
|---|---|---|
| Annual fee | · ₹2,500 | ₹500 |
| Joining fee | · ₹2,500 | ₹500 |
| Top reward rate | · 2.7% (general) | 5% (shopping) |
| Base reward rate | 2.7% | · 2% |
| Forex markup | 2% | · 3.5% |
| Welcome bonus | = 2,500 reward points on first 90-day spend | = 500 CashPoints on first transaction |
| Fee waiver threshold | · ₹300,000 / yr | ₹50,000 / yr |
| Min income | · ₹1,200,000 | ₹240,000 |
| Min credit score | · 770 | 720 |
| Editorial rating | 4.3/5 | · 4.1/5 |
Benefits compared
HDFC Regalia
- 4 reward points per ₹150
- 12 domestic + 6 international lounge visits/year
- Low forex markup 2%
- Buy-1-get-1 BookMyShow tickets
- Milestone reward points at ₹1L, ₹5L
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 vs HDFC MoneyBack+: which is better?
HDFC MoneyBack+ wins on more dimensions (6 vs 3). 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 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: 2,500 reward points on first 90-day spend. HDFC MoneyBack+: 500 CashPoints on first transaction.