Which card has the lower annual fee?

Standard Chartered Smart Card has the lowest annual fee at ₹499.

Which card earns more on moderate spend?

HDFC Regalia Gold leads with an estimated ₹5,556/yr net annual value on moderate spend.

Which card has the lower income requirement?

HDFC MoneyBack+ Credit Card lists a minimum monthly income of ₹20,000.

Does this comparison pull my credit score?

No. CardHungry estimates net value from public fee and reward rules only — no bureau check.

Side-by-side · honest numbers

HDFC MoneyBack+ Credit Card vs HDFC Regalia Gold vs Standard Chartered Smart Card

Honest side-by-side comparison of HDFC MoneyBack+ Credit Card, HDFC Regalia Gold, Standard Chartered Smart Card — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.

At a glance (moderate spend)

Quick verdict: On moderate spend, HDFC Regalia Gold ranks first for estimated net annual value — ahead of Standard Chartered Smart Card by about ₹1,825/yr.

HDFC MoneyBack+ Credit Card vs HDFC Regalia Gold vs Standard Chartered Smart Card comparison table
Feature	HDFC MoneyBack+ Credit Card HDFC Bank	HDFC Regalia Gold HDFC Bank	Standard Chartered Smart Card Standard Chartered
Annual fee	₹500	₹2,500	₹499
Min income (monthly)	₹20,000	₹50,000	₹30,000
Top reward rate	10X points	4 RP/₹150	2% cashback
Net annual value (moderate spend)	₹690/yr	₹5,556/yr	₹3,731/yr
Secured / FD-backed	No	No	No
Signup bonus	₹500	₹2,500	—

Frequently asked questions

Which card has the lower annual fee?: Standard Chartered Smart Card has the lowest annual fee at ₹499.
Which card earns more on moderate spend?: HDFC Regalia Gold leads with an estimated ₹5,556/yr net annual value on moderate spend.
Which card has the lower income requirement?: HDFC MoneyBack+ Credit Card lists a minimum monthly income of ₹20,000.
Does this comparison pull my credit score?: No. CardHungry estimates net value from public fee and reward rules only — no bureau check.

Customize your spend

Change spend profile or swap cards — results update live below.

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Your adjusted comparison

Feature	HDFC BankClassic HDFC MoneyBack+ Credit Card •••• •••• •••• 4242 Quick facts HDFC MoneyBack+ Credit Card Top reward10X points Annual fee₹500 Min income₹20,000/mo Tap to flip back HDFC MoneyBack+ Credit Card HDFC Bank	HDFC BankPlatinum HDFC Regalia Gold •••• •••• •••• 4242 Quick facts HDFC Regalia Gold Top reward4 RP/₹150 Annual fee₹2,500 Min income₹50,000/mo Tap to flip back HDFC Regalia Gold HDFC Bank	Standard CharteredGold Standard Chartered Smart Card •••• •••• •••• 4242 Quick facts Standard Chartered Smart Card Top reward2% cashback Annual fee₹499 Min income₹30,000/mo Tap to flip back Standard Chartered Smart Card Standard Chartered
Annual fee	₹500	₹2,500	₹499
Min income	₹20,000	₹50,000	₹30,000
Top reward rate	10X points	4 RP/₹150	2% cashback
Net value (moderate)	₹690/yr	₹5,556/yr	₹3,731/yr
Secured / no bureau	Standard	Standard	Standard
Signup bonus	₹500	₹2,500	—

HDFC MoneyBack+ Credit Card details →HDFC Regalia Gold details →Standard Chartered Smart Card details →

At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More HDFC MoneyBack+ Credit Card comparisons