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HDFC Regalia Credit Card vs HDFC Moneyback Credit Card

Joining Fees

₹2,500

₹500

Editor's Rating

4

3.3

Key Features

  • Airport Lounge Access within and outside India
  • Experience unique delicacies through Good Food Trail dining program at premium restaurants across top cities.
  • On retail spends including Insurance, Utilities, Education and Rent Pay, earn 4 reward points on Rs. 150.
  • Earn additional 5,000 Reward Points when achieving annual spends of Rs. 8 lakhs.
  • Emergency overseas hospitalization up to Rs. 15 lakhs in case of emergency
  • 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

Editor's Review

Pros

  • Earn 10,000 Reward Points when achieving annual spends of Rs. 5 lakhs.
  • Accidental air death cover worth Rs. 1 Crore
  • Fuel Surcharge Waiver

 

Cons

  • Slightly high Annual Fee
  • No golf/coaching sessions

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%


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