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Side-by-Side Comparison|Updated March 2026

HDFC Bank Business Regalia vs HDFC Bank Business Moneyback

Detailed comparison of fees, rewards, benefits, and value to help you choose the right credit card for your spending pattern.

HDFC Bank

HDFC Bank Business Regalia

8.2/10
Annual Fee₹2,500
Base Rewards0.534%
NetworkVisa
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HDFC Bank

HDFC Bank Business Moneyback

7/10
Annual Fee₹500
Base Rewards0.2666666666666667%
NetworkMastercard
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Feature-by-Feature Comparison

FeatureHDFC Bank Business RegaliaHDFC Bank Business Moneyback
Annual Fee₹2,500₹500
Joining Fee₹2,500₹500
Fee Waiver Spend₹3,00,000₹50,000
Base Reward Rate0.534%0.2666666666666667%
Reward CurrencyReward PointsReward Points
NetworkVisaMastercard
Editor Rating8.2/107/10
Forex Markup3.5%3.5%

Accelerated Rewards

HDFC Bank Business Regalia

No accelerated rewards listed

HDFC Bank Business Moneyback

  • 0.53% on Online Spends
  • 0% on Business Essentials (Teleco...

Pros & Cons

HDFC Bank Business Regalia

Pros

  • Earn 4 Reward Points for every ₹150 spent on all retail transactions.
  • Low foreign currency markup fee of 2% for international business expenses.
  • Up to 15,000 bonus reward points annually on reaching spend milestones of ₹5L and ₹8L.
  • 5% cashback on business essentials like utility bills, taxes, and telecom in the first year.

Cons

  • Domestic lounge access is now spend-linked (₹1 Lakh per quarter).
  • Insurance benefits like Air Accidental Death cover have been significantly revised or retired.
  • Reward point value is low (₹0.20) if redeemed for statement credit.

HDFC Bank Business Moneyback

Pros

  • 5% cashback on essential business spends like telecom, utility, and tax payments.
  • Accelerated 4 Reward Points per ₹150 spent on online transactions.
  • Low annual fee waiver threshold of just ₹50,000 per year.
  • Complimentary Zomato Gold membership on spending ₹75,000 within the first 3 months.

Cons

  • Low monthly cashback cap of ₹250 on business essentials.
  • Reward points value is relatively low at ₹0.20 per point for statement credit.
  • No international lounge access benefits.

Our Verdict

HDFC Bank Business Regalia edges ahead overall with a stronger combination of rewards and value. However, HDFC Bank Business Moneyback could be the better pick if its specific category strengths match your spending habits.

Choose HDFC Bank Business Regalia if

High reward rate on business expenses and low forex markup for international trade.

Choose HDFC Bank Business Moneyback if

Strong rewards on utility and tax payments which are common business overheads.

Frequently Asked Questions

Which is better: HDFC Bank Business Regalia or HDFC Bank Business Moneyback?
HDFC Bank Business Regalia edges ahead overall with a stronger combination of rewards and value. However, HDFC Bank Business Moneyback could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between HDFC Bank Business Regalia and HDFC Bank Business Moneyback?
HDFC Bank Business Regalia has an annual fee of ₹2,500, while HDFC Bank Business Moneyback has an annual fee of ₹500. HDFC Bank Business Regalia offers a fee waiver on ₹3,00,000 annual spend. HDFC Bank Business Moneyback offers a fee waiver on ₹50,000 annual spend.
Which card has better rewards: HDFC Bank Business Regalia or HDFC Bank Business Moneyback?
HDFC Bank Business Regalia offers a base reward rate of 0.534%. HDFC Bank Business Moneyback offers 0.2666666666666667% base rewards with bonuses on Online Spends and Business Essentials (Teleco.... The better choice depends on your primary spending categories.
Can I have both HDFC Bank Business Regalia and HDFC Bank Business Moneyback?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. HDFC Bank Business Regalia and HDFC Bank Business Moneyback can complement each other if they cover different reward categories.
Which card is better for beginners: HDFC Bank Business Regalia or HDFC Bank Business Moneyback?
For beginners, HDFC Bank Business Moneyback may be more approachable with a lower annual fee of ₹500. However, evaluate based on your expected spending pattern rather than fee alone.

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