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Side-by-Side Comparison|Updated March 2026

HDFC Bank MoneyBack+ vs HDFC Bank Regalia Gold

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

HDFC Bank

HDFC Bank MoneyBack+

7.2/10
Annual Fee₹500
Base Rewards0.33333333333333337%
NetworkVisa
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HDFC Bank

HDFC Bank Regalia Gold

8.5/10
Annual Fee₹2,500
Base Rewards0.5333333333333334%
NetworkVisa
View Full Details

Feature-by-Feature Comparison

FeatureHDFC Bank MoneyBack+HDFC Bank Regalia Gold
Annual Fee₹500₹2,500
Joining Fee₹500₹2,500
Fee Waiver Spend₹50,000₹4,00,000
Base Reward Rate0.33333333333333337%0.5333333333333334%
Reward CurrencyCashPointsReward Points
NetworkVisaVisa
Editor Rating7.2/108.5/10
Forex Markup3.5%3.5%

Accelerated Rewards

HDFC Bank MoneyBack+

  • 0% on Partner Merchants (Amazon, ...
  • 0% on Merchant EMI Spends

HDFC Bank Regalia Gold

  • 0% on Lifestyle Brands
  • 0% on SmartBuy Hotels
  • 0% on SmartBuy Flights

Pros & Cons

HDFC Bank MoneyBack+

Pros

  • 10X CashPoints (3.3% value back) on Amazon, Flipkart, Swiggy, BigBasket, and Reliance Smart SuperStore.
  • 5X CashPoints on EMI transactions at merchant locations.
  • Quarterly milestone benefit of ₹500 gift voucher on ₹50,000 spend.
  • Low annual fee waiver threshold of ₹50,000 per year.

Cons

  • Very low base reward rate of 0.33% (2 CP per ₹150) on non-partner spends.
  • No complimentary domestic or international airport lounge access.
  • Monthly reward caps on grocery (1,000 CP) and partner spends (2,500 CP) limit high-value utility.

HDFC Bank Regalia Gold

Pros

  • High reward rate of up to 13.3% on select lifestyle brands like Myntra and Nykaa.
  • Comprehensive lounge access with 12 domestic and 6 international visits annually.
  • Generous milestone benefits including up to ₹10,000 in flight vouchers per year.
  • Low foreign currency markup of 2% compared to the standard 3.5%.

Cons

  • Reward points expire after 2 years, requiring active management.
  • Base reward rate is relatively modest at 1.33% for general spends.
  • No reward points on fuel, rent, and wallet loads.

Our Verdict

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

Choose HDFC Bank MoneyBack+ if

Ideal for first-time credit card users who shop frequently on Amazon, Flipkart, and Swiggy.

Choose HDFC Bank Regalia Gold if

Offers extensive lounge access and high-value flight vouchers through milestones.

Frequently Asked Questions

Which is better: HDFC Bank MoneyBack+ or HDFC Bank Regalia Gold?
HDFC Bank Regalia Gold edges ahead overall with a stronger combination of rewards and value. However, HDFC Bank MoneyBack+ could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between HDFC Bank MoneyBack+ and HDFC Bank Regalia Gold?
HDFC Bank MoneyBack+ has an annual fee of ₹500, while HDFC Bank Regalia Gold has an annual fee of ₹2,500. HDFC Bank MoneyBack+ offers a fee waiver on ₹50,000 annual spend. HDFC Bank Regalia Gold offers a fee waiver on ₹4,00,000 annual spend.
Which card has better rewards: HDFC Bank MoneyBack+ or HDFC Bank Regalia Gold?
HDFC Bank MoneyBack+ offers a base reward rate of 0.33333333333333337% with accelerated rewards on Partner Merchants (Amazon, ... and Merchant EMI Spends. HDFC Bank Regalia Gold offers 0.5333333333333334% base rewards with bonuses on Lifestyle Brands and SmartBuy Hotels. The better choice depends on your primary spending categories.
Can I have both HDFC Bank MoneyBack+ and HDFC Bank Regalia Gold?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. HDFC Bank MoneyBack+ and HDFC Bank Regalia Gold can complement each other if they cover different reward categories.
Which card is better for beginners: HDFC Bank MoneyBack+ or HDFC Bank Regalia Gold?
For beginners, HDFC Bank 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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