HDFC Regalia Gold vs HDFC MoneyBack+
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
HDFC MoneyBack+ wins 6-3. Entry-level cashback with very low waiver bar. HDFC Regalia Gold is still the right call if mid-tier travel + dining without the diners black price tag.
Side-by-side
| Criterion | HDFC Regalia Gold | HDFC MoneyBack+ |
|---|---|---|
| Annual fee | · ₹2,500 | ₹500 |
| Joining fee | · ₹2,500 | ₹500 |
| Top reward rate | · 4% (general) | 5% (shopping) |
| Base reward rate | 4% | · 2% |
| Forex markup | 2% | · 3.5% |
| Welcome bonus | = 2,500 reward points + ₹1,500 Marriott / Cult.fit voucher | = 500 CashPoints on first transaction |
| Fee waiver threshold | · ₹400,000 / yr | ₹50,000 / yr |
| Min income | · ₹1,200,000 | ₹240,000 |
| Min credit score | · 770 | 720 |
| Editorial rating | 4.6/5 | · 4.1/5 |
Benefits compared
HDFC Regalia Gold
- 5x reward points on travel + dining via SmartBuy
- 4 complimentary international lounge visits per year (Priority Pass)
- Annual MMT Black Elite membership
- Low forex markup: 2%
- Milestone benefits at ₹1.5L, ₹3L and ₹4L spend
HDFC MoneyBack+
- 5% on Amazon, Flipkart, Big Basket, Reliance Smart Bazaar (capped ₹1K/month)
- 2% on EMI transactions
- 1 fuel surcharge waiver
- Quarterly milestone vouchers
FAQ
›HDFC Regalia Gold vs HDFC MoneyBack+: which is better?
HDFC MoneyBack+ wins on more dimensions (6 vs 3). But the right answer depends on your specific spending pattern. Run your own monthly spend through the maximizer to see which one pays you more.
›Can I get both?
Yes, if your credit profile supports it, holding both is the optimal play. Use HDFC Regalia Gold for its best categories, HDFC MoneyBack+ for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
HDFC Regalia Gold: 2,500 reward points + ₹1,500 Marriott / Cult.fit voucher. HDFC MoneyBack+: 500 CashPoints on first transaction.