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HDFC Bank · HDFC Bank
MoneyBack+ vs Regalia
Side-by-side. The card that earns more depends on where you spend, Tapwise crunches the actual numbers for your wallet.
Winner
46composite score
95% rule confidence
95% rule confidence
Winner
45composite score
95% rule confidence
95% rule confidence
Annual fee
₹500
₹2,500
Network
Visa
Visa
Base reward rate
1%
1.3%
Min. income (monthly)
₹25,000
₹1,00,000
Min. credit score
700+
720+
Best for
Online shopping
Travel
Bonus reward categories differ, see the rule tables on each card's detail page for the fine print.
Tapwise verdict
MoneyBack+ edges out for most wallets.
- Lighter annual fee, ₹500 vs ₹2,500.
- Easier to qualify, ₹25,000/mo income gets you in versus ₹1,00,000/mo.
Composite score
MoneyBack+46
Regalia45
Scored on fee, base rate, qualification, and rule confidence. Tapwise's personal recommendation also weighs your actual spending.
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