Verified 2026 Bank MITC Rules & RBI ExclusionsUpdated: 2026-03-01
HDFC Regalia Gold Credit Card vs Swiggy HDFC Bank Credit Card for ₹150,000 Monthly Spend
Comparing HDFC Regalia Gold Credit Card vs Swiggy HDFC Bank Credit Card at ₹150,000/month. Swiggy HDFC Bank Credit Card wins, delivering ₹58,140 net annual value (3.23% ROI) vs ₹52,488 for HDFC Regalia Gold Credit Card.
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₹1,50,000(₹18,00,000/yr)
₹10,000/mo₹1,00,000/mo₹2,50,000/mo
Winner at ₹1,50,000/mo+ ₹5,652/yr Higher Value
Swiggy HDFC Bank Credit Card
Delivers ₹58,140 net annual returns (3.23% ROI) vs ₹52,488 on HDFC Regalia Gold Credit Card.
Card A
HDFC Regalia Gold Credit Card
HDFC Bank
₹52,488Net Annual Benefit
Gross Rewards:₹52,488/yr
Effective Fee (incl. GST):Waived (₹0)
Net ROI on Spend:2.92%
Fee Waiver Progress (4L target):100%
Card B
Swiggy HDFC Bank Credit Card
HDFC Bank
₹58,140Net Annual Benefit
Gross Rewards:₹58,140/yr
Effective Fee (incl. GST):Waived (₹0)
Net ROI on Spend:3.23%
Fee Waiver Progress (2L target):100%
⚠️ Hits monthly cashback caps: -₹8,100/yr lost
2-Card Optimization HackMaximize Trapped / Capped Spend
+₹7,500/year Extra YieldPair Swiggy HDFC Bank Credit Card + Airtel Axis Bank Credit Card
Pair Swiggy HDFC Bank Credit Card with Airtel Axis Bank Credit Card to capture up to ₹7,500/yr extra on zero-reward categories.
Routes excluded categories:Amazon, Flipkart & Myntra Shopping (Excess Spends)Electricity, Water, Gas & Broadband BillsSwiggy, Zomato & Dining Out (Excess Spends)
Detailed 12-Category Rupee Breakdown (@ ₹1,50,000/mo)
| Spend Category | Monthly Spend | HDFC Regalia Gold Credit Card | Swiggy HDFC Bank Credit Card |
|---|---|---|---|
| Amazon, Flipkart & Myntra Shopping | ₹37,500/mo | ₹2,498 (6.66%) | ₹1,500 (Capped) |
| Scan & Pay Merchant UPI | ₹22,500/mo | ₹299 (1.33%) | ₹225 (1%) |
| Electricity, Water, Gas & Broadband Bills1% convenience fee on utility transactions over ₹50,000 per calendar month | ₹18,000/mo | ₹239 (1.33%) | 0% Excluded |
| Swiggy, Zomato & Dining Out | ₹18,000/mo | ₹239 (1.33%) | ₹1,500 (Capped) |
| Blinkit, Zepto, Instamart & Supermarkets | ₹15,000/mo | ₹200 (1.33%) | ₹1,500 (10%) |
| Petrol & Diesel at Fuel Stations1% fuel surcharge waiver on transactions from ₹400 to ₹5,000, max ₹500/cycle | ₹12,000/mo | 0% Excluded | 0% Excluded |
| Flights, Hotels & IRCTC Trains | ₹12,000/mo | ₹799 (6.66%) | ₹120 (1%) |
| LIC, Health & Term Insurance Premiums | ₹7,500/mo | ₹100 (1.33%) | 0% Excluded |
| House Rent & School/College Fees1% fee on third-party rent payment platforms; 0 points earned | ₹7,500/mo | 0% Excluded | 0% Excluded |
| International Travel & Forex Spends | ₹0/mo | ₹0 (1.33%) | ₹0 (1%) |
| Gold, Silver & Jewelry Purchases | ₹0/mo | ₹0 (0%) | ₹0 (0%) |
| Income Tax, GST & Challan Payments | ₹0/mo | ₹0 (0%) | ₹0 (0%) |
| Net Annual Benefit | ₹18,00,000/yr | +₹52,488 | +₹58,140 |
Frequently Asked Questions
Which card is better between HDFC Regalia Gold Credit Card and Swiggy HDFC Bank Credit Card for ₹150,000/month?▼
At ₹150,000/month (₹1,800,000/year), Swiggy HDFC Bank Credit Card mathematically outperforms HDFC Regalia Gold Credit Card by ₹5,652/year. Swiggy HDFC Bank Credit Card delivers ₹58,140 net annual benefit (3.23% effective yield), while HDFC Regalia Gold Credit Card returns ₹52,488 (2.92% effective yield).
Will the annual fee be waived at ₹150,000 monthly spend?▼
On an annual spend of ₹1,800,000: HDFC Regalia Gold Credit Card annual fee is waived (₹0). Swiggy HDFC Bank Credit Card annual fee is waived (₹0).
How do reward caps impact the earnings on both cards?▼
At this spend tier, HDFC Regalia Gold Credit Card loses ₹0/year to monthly cashback caps, while Swiggy HDFC Bank Credit Card loses ₹8,100/year. HDFC Regalia Gold Credit Card remains uncapped at this spend. Capped categories on Swiggy HDFC Bank Credit Card: Amazon, Flipkart & Myntra Shopping, Swiggy, Zomato & Dining Out.
What is the breakeven monthly spend between HDFC Regalia Gold Credit Card and Swiggy HDFC Bank Credit Card?▼
The calculated crossover breakeven spend is ₹178,000/month, where higher-fee benefits overtake the lower-fee option.