HDFC Business Regalia Credit Card vs HDFC Moneyback Credit Card

• Welcome Benefit: Complimentary Annual Zomato Gold Membership when you spend Rs. 75,000 and above in the first three months. Do note the offer is not applicable for cards sourced after 20th January, 2021
• Get 15,000 Bonus Reward Points on annual spends of Rs. 8,00,000, and get 10,000 Bonus Reward Points on annual spends of Rs. 5,00,000 
• Spend Rs. 60,000 & above in the first 90 days to get the first-year membership fee waived off, and spend Rs. 3,00,000 in 12 Months to get Renewal Fee waived for next renewal year
• 4 Reward Points for every Rs.150 spent on all spends
• 5% Cashback on Telecom, Electricity, Government/Tax, Railway, Hotels & Dining and Taxi. Note: Maximum cashback of Rs. 500 per statement on minimum monthly spends of Rs. 20,000
• The Current Account Holders will avail double cashback on all Business essentials such as Telecom, Utility, Govt and Tax payments only up to Rs. 1000 per statement
• Avail POS Rental Reversal on monthly spendings of Rs 30,000 on the credit card and monthly volume of Rs 25,000 on POS machine capped at Rs. 1000 per month 
• 12 Complimentary Airport Lounge Access per calendar year within India (both at domestic and international terminals) 
• Apply for Priority Pass for yourself and add on members upon completing minimum 4 retail transactions on the HDFC Bank Regalia Credit Card
• Using the Priority Pass, you along with an add on member can together avail up to 6 Complimentary Lounge Access per calendar year outside India
• Get Air Accidental death cover up to Rs 1 Cr and Emergency Overseas Hospitalization protection worth up to Rs. 15 Lakhs
• Flight Delay cover of up to Rs 25,000 and missing of Connecting International Flight cover of up to Rs 25,000 available to the primary cardholder
• With EasyEMI for SMEs facility, you don’t need to block your capital 
• Purchase interiors, furniture, electronics, ACs and more in bulk with No Cost EMI offer on brands like Damro, Dash Square, Durian Industries, EVOK, Furniturewalla, Godrej Interior, Royal Oak, Stanley, The Maark Trendz, Kelvinator, Blue Star, Reliance Digital

• You’ll receive Welcome Benefit of 500 Cash Points that’s applicable only on the payment of the membership fee
• In the first 90 days, spend Rs. 20000 or above and get first-year membership fee waived off
• Accumulate and redeem reward points for cash-back against outstanding amount on your Credit Card (100 points = Rs. 20)
• In the first year, spend Rs. 50,000 or above and get renewal membership fee waived off
• Earn 2 Reward Points on every Rs 150 spent
• Every quarter receive a gift voucher worth Rs. 500 on spends of Rs 50,000. Get up to Rs. 2,000 worth of gift vouchers in a year
• While doing online shopping, earn 4 reward points for every Rs 150 you spend online with the card. (With effect from 15th July 2020, customers can get up to 500 Reward Points per statement cycle for the online spends, under the 2X RP feature.)
• Spend Rs 50,000 in a Quarter and avail Rs 500 worth E-Voucher
• Renew membership for free by just spending Rs. 50,000 in a year before the renewal date
• 1% fuel surcharge waiver at any fuel stations in India, on minimum transaction Rs. 400 and Max CashBack of Rs. 250 per statement cycle
• If your HDFC Moneyback Credit Card gets lost, report immediately and avail zero liability on any fraudulent transactions made on the Credit Card

Rewards Rate:

• Reward Points accumulated can be redeemed against statement balance at the rate 1 RP = Rs. 0.20
• Reward Points can even be used to redeem against travel benefits such as Flight & Hotel bookings and Rewards Catalogue at the SmartBuy Rewards Portal: 1 CashPoint = Rs. 0.25

Pros

• On all foreign currency spends, avail the lowest foreign currency markup of 2% 
• Redeem Reward Points instantly against Airline ticket booking and Hotel booking
• Enjoy the exclusive 24/7 Concierge Service

Cons

• Although complimentary Membership to the Priority Pass Program is offered, all Lounge visits within India using priority pass will be charged at US $27 + GST
• Lounge Visits outside India exceeding the complimentary visits will be charged at US $27 + GST.
• The annual fee of 2500 is moderately high

Pros

• Zero liability on the lost card if reported immediately
• With the EMV Chip technology presented in the card, stay protected against fraud
• Avail up to 50 days of the interest-free period from the date of purchase, and enjoy Revolving Credit at a nominal interest rate

Cons

• The Reward points are only valid for 2 years
• No complimentary Airport Lounge Access
• High-interest rate of 3.49%