HDFC Bank Regalia Gold Credit Card vs HDFC Bank MoneyBack+ Credit Card

* Get Rs. 1,500 worth vouchers on quarterly spends of Rs. 1.5 lakh
* Get Rs. 5,000 worth flight vouchers on annual spends of Rs. 5 lakh and an additional voucher of Rs. 5000 on spends of Rs. 7.5 lakhs
* Avail 5X Reward Points on spends at Marks & Spencer, Myntra, Nykaa & Reliance Digital: Earn 20 Reward Points on every Rs.150  retail spends at Marks & Spencer, Myntra, Reliance Digital, Nykaa
* Earn 4 Reward Points on every Rs. 150 spent on retail spends including Insurance, Utilities and Education
* Exclusive 24/7 Concierge Services
* Avail 12 complimentary access both at domestic and international terminals
* Using Priority Pass, cardholder and an add-on member can together avail up to 6 Complimentary Lounge Access per calendar year, outside India
* Enjoy great dining benefits with the Good Food Trail program: Up to 20% savings on all restaurant bill payments via Swiggy Dineout. Offer inclusive of Restaurant and Swiggy Discount. Offer valid only on payments done via the Swiggy App
* Get Rs. 1,500 worth vouchers from Marriott, Myntra, Marks & Spencer or Reliance Digital when you spend Rs. 1.5 Lakhs in every calendar quarter
* In an anniversary year (12 billing cycles), spend Rs. 4 Lakhs to get Renewal Fee waived for next renewal year
* You can convert big spends into EMI after purchase
* HDFC Bank Regalia Gold Credit Card is enabled for contactless payments
* Accidental air death cover worth Rs. 1 Crore
* Emergency overseas hospitalization cover up to Rs. 15 lakhs
* Credit Liability cover up to Rs. 9 Lakhs  
* Zero Lost card liability

• Welcome/Renewal Benefit: Earn 500 Cash Points, this is applicable only on the payment of the membership fee
• Spend Rs. 50,000 or more in a year before the Credit Card renewal date and get the renewal fee waived off
• Get 10X CashPoints on Amazon, BigBasket, Flipkart, Reliance Smart SuperStore, and Swiggy
• Get 5X CashPoints on EMI spends at merchant locations
• Get 2 CashPoints per Rs. 150 spent on other spends 
• Earn 500 gift voucher on spends of Rs. 50,000 per calendar quarter
• Enjoy up to 20% discount on partnered restaurants via Swiggy Dineout
• Starting from January 1st, 2023, the maximum number of reward points that can be earned each month on grocery transactions will be limited to 1,000
• For Rupay Credit Cardholders, UPI spends will earn 2 RPs for every Rs. 150 spent. The reward points are capped at 500 per calendar month
• Zero lost Card liability 
• You can enjoy an interest-free period of up to 50 days from the date of your purchase
• Enjoy Revolving Credit at a nominal interest rate
• Enjoy amazing dining benefits with the Good Food Trail program 
• Get up to 20% off on all restaurant bills via Swiggy Dineout (20k+ restaurants). Offer includes both restaurant and Swiggy discount. Valid only on payments via the Swiggy App
• 1% Fuel Surcharge waiver on fuel transactions between Rs. 400 and Rs. 5,000
• Quarterly Spend-based benefit: Get a Rs. 500 gift voucher every quarter on spends of over Rs. 50,000. Earn up to Rs. 2,000 worth vouchers in a year
• Convert your big spends into EMI after purchase
• The card is enabled for contactless payments

Pros

* Enjoy Revolving Credit on HDFC Bank Regalia Gold Credit Card at nominal interest rate
* Get Rs. 5,000 worth flight vouchers when spending Rs. 5 Lakhs in an anniversary year 
* Avail additional Rs. 5,000 worth flight vouchers when spending Rs. 7.5 Lakhs in an anniversary year 

Cons

* No Golf benefits
* There is a capping on grocery purchase
* Rewards are in form of vouchers

Pros

• Get 10X CashPoints on Amazon, BigBasket, Flipkart, Reliance Smart SuperStore, and Swiggy
• Get 5X CashPoints on EMI spends at merchant locations, and get 2 CashPoints per Rs. 150 spent on other spends 
• Earn 500 gift voucher on spends of Rs. 50,000 per calendar quarter

Cons

• No golf benefits are provided
• No airport lounge access