HDFC Regalia First Credit Card vs HDFC Moneyback Credit Card

Full guidance About credit cards Uses

The HDFC Bank Regalia First Credit Card is perfectly curated for all kinds of customers to suit their preferences. The card comes with an annual fee of Rs.1,000 along with an interest rate of 3.49% per month. The Regalia First Credit Card offers a wide range of benefits and features in categories such as travel, food and fuel.

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HDFC Regalia First 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

8 Complimentary Domestic Lounge Access within India access every calendar year and 3 Complimentary International Lounge Access via Priority Pass

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

HDFC Moneyback Credit Card

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