What are the annual fees for HDFC Bank MoneyBack Plus Credit Card and HDFC Bank Regalia Gold Credit Card?

HDFC Bank MoneyBack Plus Credit Card has ₹500 + GST. HDFC Bank Regalia Gold Credit Card has ₹2,500 + GST. Fees are shown before 18% GST, which is added on the bill.

What base reward rate does each card earn?

HDFC Bank MoneyBack Plus Credit Card earns about 0.3333% on general spends; HDFC Bank Regalia Gold Credit Card earns about 1.25%. Category and partner rates may differ — see the table above.

What is the forex markup on each card?

HDFC Bank MoneyBack Plus Credit Card: not disclosed. HDFC Bank Regalia Gold Credit Card: 2% (plus 18% GST on the markup).

Do both cards include airport lounge access?

HDFC Bank MoneyBack Plus Credit Card: none specified. HDFC Bank Regalia Gold Credit Card: yes — see the lounge row above for limits.

Card Comparison

HDFC MoneyBack Plus vs HDFC Regalia Gold

HDFC MoneyBack Plus vs HDFC Regalia Goldcompared side by side on fees, reward rates, caps, exclusions, and eligibility — weigh each against how you actually spend.

HDFC Bank MoneyBack Plus

HDFC Bank

Fee₹500+GST

Eff. rate0.33%

Cap₹2,500

Fee

₹500+GST

Eff. rate

0.33%

Cap

₹2,500

HDFC Bank Regalia Gold

HDFC Bank

Fee₹2,500+GST

Eff. rate1.25%

CapCategory

Fee

₹2,500+GST

Eff. rate

1.25%

Cap

How they compare

HDFC MoneyBack Plus and HDFC Regalia Gold suit different spending patterns, so the right pick depends on where and how much you spend. The key difference: 1.25% effective rate vs 0.3333%. Use the table below to weigh fees, reward rates, caps, and exclusions against your own usage.

At a glance

HDFC MoneyBack Plus

Annual fee: ₹500 + GST
Everyday rate: 0.3%
Monthly cap: ₹2,500/mo

Notable strengths

Flat rewards on every spend

HDFC Regalia Gold

Annual fee: ₹2,500 + GST
Everyday rate: 1.3%
Monthly cap: No cap

Notable strengths

Bonus rewards on Myntra (up to 6.3%)
No monthly reward cap

Each card's own strengths — not a ranking. Weigh them against where you actually spend.

50 specs · 13 sections

HDFC Bank MoneyBack Plus

HDFC Bank Regalia Gold

Feature

HDFC Bank MoneyBack Plus

HDFC Bank Regalia Gold

Annual Fee

₹500

₹2,500

Joining Fee

₹500

₹2,500

Fee Waiver Spend

₹50,000

₹4,00,000

Forex Markup

—

Reward Type

Reward Points

Base Rate

0.33%

1.25%

Effective Base Rate

0.33%

1.25%

Point Value

₹0.25

₹0.5

Redemption Quality

MEDIUM

HIGH

Best Redemption

₹0.25

₹0.5

Worst Redemption

₹0.15

₹0.2

Airtel

—

3.33%

Amazon

3.33%

—

Bigbasket

3.33%

—

Flipkart

3.33%

—

Myntra

—

6.25%

Grocery / Supermarkets

0.33%

1.25%

Fuel / Petrol / Diesel / CNG

0% (Excluded)

Restaurants / Dine-in

0.33%

1.25%

Flights, Hotels, OTAs, Tour Operators

0.33%

12.5%

Other Retail / Catch-all

0.33%

1.25%

Monthly Cap

₹2,500

Category caps apply

Est. Annual Cap

₹30,000

Category caps apply

Total Excluded

4 categories

5 categories

EMI Transactions

Earns rewards

Excluded

Domestic Visits/Year

None

International Visits/Year

None

Priority Pass

Yes

Est. Annual Value

—

₹10,230

Forex Markup

—

Description

500 CashPoints on card issuance

₹2,500 gift voucher on paying joining fee + complimentary Swiggy One & MMT Black Gold membership on spending ₹1 lakh within 90 days

Estimated Value

₹125

₹5,898

Fuel Surcharge Waiver

Yes

Best Suited For

Shopping

Travel, Shopping

Min Income

₹20,000/month

₹1,50,000/month

Income Proof

Required

Secured FD

Accepting Applications

Yes

Network

Visa, RuPay

Visa, Mastercard

Card Tier

Classic

Premium

Still weighing your options?

Other popular matchups to line up against your shortlist.

Frequently asked questions

What are the annual fees for HDFC Bank MoneyBack Plus Credit Card and HDFC Bank Regalia Gold Credit Card?: HDFC Bank MoneyBack Plus Credit Card has ₹500 + GST. HDFC Bank Regalia Gold Credit Card has ₹2,500 + GST. Fees are shown before 18% GST, which is added on the bill.
What base reward rate does each card earn?: HDFC Bank MoneyBack Plus Credit Card earns about 0.3333% on general spends; HDFC Bank Regalia Gold Credit Card earns about 1.25%. Category and partner rates may differ — see the table above.
What is the forex markup on each card?: HDFC Bank MoneyBack Plus Credit Card: not disclosed. HDFC Bank Regalia Gold Credit Card: 2% (plus 18% GST on the markup).
Do both cards include airport lounge access?: HDFC Bank MoneyBack Plus Credit Card: none specified. HDFC Bank Regalia Gold Credit Card: yes — see the lounge row above for limits.

Reviewed by WhichWise Editorial Team. Each card's data is verified against the issuer's official terms.

Sources: HDFC Bank - HDFC MoneyBack Plus · HDFC Bank - HDFC Regalia Gold