HDFC MoneyBack Plus vs HDFC Regalia First Credit Card

The HDFC Bank has one of the most popular and desired cards in the market as the bank issues a lot of credit cards, keeping different categories in mind. From basic to super-premium, you can find every type of credit card in HDFC Bank’s portfolio. Many individuals look for basic credit cards, which can provide them with some great benefits at a low annual fee. Two such credit cards issued by the HDFC Bank are the HDFC Regalia First Credit Card & and the HDFC MoneyBack Plus Credit Card. Both the cards are basic, but there are also a lot of differences between their benefits. Now, with these two options, you might get confused about which one should you go for. Before making a decision randomly or just on the basis of an annual fee, you must check all the features of the cards. However, the HDFC Regalia First Credit Card comes with a higher annual fee as compared to the MoneyBack Plus Credit Card, but it also provides you with exciting travel benefits, including complimentary lounge access, which is not offered by the MoneyBack Plus Card.

On the other hand, the MoneyBack Plus Credit Card offers a better reward rate than the Regalia First Card. So, regardless of the higher fee, the Regalia First Credit Card can be considered a better option for people who travel very often and want to make their travel experiences more luxurious. Similarly, the MoneyBack Plus Credit card is a better choice for those who don’t have many traveling needs but just want to save more & more on their spending. Not only this but there are several other factors based on which you can make your decision. To make it easier for you in order to make the right choice, we are further comparing these two cards –

HDFC MoneyBack Plus Credit Card

The HDFC Bank MoneyBack Plus Credit Card is a beginners credit card issued by the bank. It welcomes you with the 500 bonus Cash Points, which perfectly compensates the joining fee of Rs. 500 + taxes. The cardholders also get to earn up to 20 Reward Points on every Rs. 150 spent with the card. The card also allows you to earn gift vouchers worth up to Rs. 2,000 every year upon reaching a particular milestone of expenses. Talking about dining privileges, you can save up to 15% on dining using this credit card. To know all its features in detail, refer to the below-mentioned points:

• Get 500 bonus Cash Points as a welcome and renewal gift.
• 2 CPs on every spend of Rs. 150.
• 5x CPs on EMI transactions at selected merchant outlets.
• 10x CPs on partner brands, including Flipkart, Amazon, Big Basket, Swiggy, and Reliance Smart Superstore.
• You can get a gift voucher worth Rs. 500 every quarter on spending more than Rs. 50,000 in a quarter.
• Get a 15% discount on dining across more than 2,000 restaurants.
• The annual fee of Rs. 500 is waived if you have spent more than Rs. 50,000 in the previous anniversary year.
• On all fuel transaction, cardholders also receive a 1% fuel surcharge waiver by using this card.

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HDFC Regalia First Credit Card

The HDFC Bank Regalia First Credit Card is one of the popular basic credit cards issued by the HDFC bank. It comes with a joining fee of Rs. 1,000 and provides its customers with an activation bonus of 1,000 Reward Points. The cardholders earn Reward Points on all their spending, and they can redeem their earned points against an array of options of their choice. Other than rewards, you also get complimentary airport lounge access, insurance cover against air accidents, lost card liability cover, and many more benefits. Talking about its dining benefits, you can avail of up to 30% discount at over 2,000 restaurants across the country. Moreover, you can earn up to 7,500 bonus reward points every year by reaching a spend milestone. To understand the detailed features of the card, refer to the following information:

• As a welcome & renewal benefit, you get 1,000 bonus reward points.
• On every Rs. 150 spent, receive 4 reward Points.
• Get a cashback of up to 5% on SmaryBuy spends.
• Earn 5,000 bonus Reward Points on spending Rs. 3 lakhs in a year.
• Earn 2,500 additional bonus Reward Points on spending more than Rs. 6 lakhs in a year.
• Complimentary Priority Pass membership with 3 complimentary international airport lounge access every year.
• 8 complimentary domestic airport lounge access every year (max capped at 2 visits per quarter).
• Get 2 complimentary domestic lounge access every quarter.
• Get an insurance cover worth Rs. 50 lakhs against accidental air death.
• Get a credit liability cover worth Rs. 5 lakhs.
• The annual fee of Rs. 1,000 is waived off if you have spent more than Rs. 1 lakh in the previous year.
• On all fuel transactions between Rs. 400 and Rs. 5,000, you receive a fuel surcharge waiver of 1%.
• A low foreign currency markup fee of 2% only.

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Comparison Between HDFC MoneyBack Plus and HDFC Regalia First Credit Card

Benefits	HDFC MoneyBack Plus Credit Card	HDFC Regalia First Credit Card
Annual Fee	Rs. 500	Rs. 1,000 Welcome
e Benefits	500 Cash Points	1,000 Reward Points
Rewards Rate	2 CPs for every spend of Rs. 150. 5x CPs on all EMI transactions 10x CPs with the partnered brands, such as Amazon, Big Basket, Flipkart, etc.	4 Reward Points on every Rs. 150 spent
Reward Redemption	For redemption against flight & hotel bookings, product catalogue, and statement cash, 1 Cash Point = Re. 0.25.	For redemption against flights and hotel bookings, 1 RP = Rs 0.3 For redemption against products and vouchers, 1 RP = Rs 0.25 For adjustment against the card’s statement balance, 1 RP = Rs 0.15.
Additional Benefits	: Upon achieving the spending milestone, you receive gift vouchers worth up to Rs. 2,000. The annual fee is waived upon spending over Rs. 50,000 in a year.	Up to 7,500 bonus reward points on spending more than Re. 6 lakhs in a year. 8 complimentary domestic and 3 international airport lounge access every year. The annual fee waiver up on spending over Rs. 1 Lakhs in the previous year.

Also, Check HDFC Regalia vs HDFC Regalia First Credit Card.

Bottom Line

On the basis of comparing the two cards on different factors, you might have already decided which card looks perfect for you. The first thing to do here is to look over your spending behaviour. Understand the categories in which you accrue most expenses. After that, compare all the features, benefits, fees & charges of the credit cards that fit perfectly with your everyday requirements. The annual fee should never be the only factor that you consider while comparing two or more credit cards. Sometimes, credit cards with a lower joining fee might be more beneficial for you, and sometimes, the higher joining fee of a credit card might be worth it. Talking about these two credit cards, you should go with the HDFC Regalia First Credit Card if you frequently travel via flight or if you process international transactions often as it comes with complimentary airport lounge access and a lower forex markup fee as well. And you should choose the MoneyBack Plus Credit Card if you don’t have much to do with travel but you want to save more on shopping.

If you still have any sort of doubts in your mind, you can freely ask us in the comment section below!