HDFC Regalia First Credit Card vs HDFC Moneyback Credit Card

• You will receive Welcome Benefit of 1000 Reward Points and renewal benefit of 1000 Reward Points when the membership fee is realized
  In 12 Months, spend Rs. 1,00,000 and get Renewal Fee waived for next renewal year
  Accidental air death cover worth Rs. 50 lakhs
  Emergency overseas hospitalization up to Rs. 10 lakhs
  Credit Liability cover of up to Rs 5,00,000 1% fuel surcharge waiver at fuel stations in India on transactions between Rs.400 and Rs.5000
  Earn 5,000 Reward Points on annual spends of Rs. 3,00,000 or more in each anniversary year
  Avail up to 5% cashback on travel and shopping spends on SmartBuy
  Earn more 2,500 Reward Points on annual spends of Rs. 6,00,000 or more in each anniversary year
  Enjoy the experience of the Good Food Trail dining program at premium restaurants in top cities
  
  Rewards Rate:
  * 4 reward points on Rs. 150, on all retail spends such as Insurance, Utilities, Education, and RentPay
  

• 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
* Enjoy exclusive dining privileges with a 15% discount at partner restaurants
* Avail 4 Reward Points for every Rs. 150 spent

Cons
* No complimentary offers for movie tickets
* No travel benefits in the form of lounge access and there are no air miles or co-branded benefits provided

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%