HDFC Regalia Credit Card vs HDFC Diners Black Credit Card
Last Updated : April 2, 2025, 3:30 p.m.
In the realm of premium credit cards, HDFC Bank stands out with two exceptional offerings: The HDFC Regalia Credit Card and the HDFC Diners Black Credit Card . These cards cater to the discerning cardholder who seeks a blend of luxury, rewards, and exclusive benefits. While both cards are designed for high-spending individuals, they each bring unique advantages to the table. The HDFC Regalia Credit Card, with its Visa/Mastercard backing, offers widespread acceptance and a robust rewards program. On the other hand, the HDFC Diners Black Credit Card, though potentially less widely accepted, elevates the experience with its ultra-premium features, including higher reward rates and more extensive travel benefits. As we delve deeper into the comparison, we'll explore how these cards stack up against each other in terms of annual fees, reward structures, lounge access, and additional perks, helping you determine which card aligns best with your lifestyle and spending habits. After you determine which card to apply for, do a free CIBIL score check on Wishfin, since your credit score is a very important factor influencing your credit card application’s approval.
Compare Features, Offers and Benefits of HDFC Regalia and HDFC Diners Black cards
| Features | HDFC Regalia Credit Card | HDFC Diners Black Credit Card |
|---|---|---|
Joining fee | Rs. 2500 | Rs. 10,000 plus applicable taxes |
Annual fee | Rs. 2500 | Rs. 10,000 plus applicable taxes |
Renewal fee waiver | Annual fee waived off on spending Rs. 3 lakhs in the preceding year | Renewal fee waiver on achieving spends of Rs. 5 lakhs in 12 months. |
Reward points | 4 reward points per Rs. 150 spent | 5 reward points per Rs. 150 spent |
Lounge access | 12 complimentary domestic lounge visits per calendar year within India (At domestic and international terminals) | Unlimited airport lounge access to 1000 plus lounges in India and worldwide for primary and add-on cardholders |
Travel benefits | Complimentary priority pass membership with 6 international lounge visits per year | Complimentary priority pass membership with unlimited international lounge visits |
Milestone benefits |
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Insurance coverage |
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Dining Benefits | Up to 15% discount on dining | 2X rewards on weekend dining, exclusive dining offers |
Foreign currency mark up | 2% on foreign currency transactions | 2% on foreign currency transactions |
Golf benefits | NA | 6 complimentary golf games per quarter across premium courses in the world |
Complimentary memberships | Enjoy Zomato Gold membership for a year at nil charges with your card. Also, enjoy up to 2 drinks at nil extra fee upon dining at participating restaurants. | Complimentary annual memberships of Times Prime, Club Marriott, Amazon Prime, Swiggy One (3 months) and MMT BLACK. |
Key Differences
- Reward Points : The Diners Black card offers slightly higher reward points (5 points per Rs. 150) compared to the Regalia (4 points per Rs. 150).
- Lounge Access : While the Regalia offers limited domestic lounge visits, the Diners Black provides unlimited lounge access worldwide, making it more suitable for frequent travelers.
- Insurance Coverage : The Diners Black card offers significantly higher insurance coverage, doubling the air accident cover and more than tripling the overseas hospitalization cover compared to the Regalia.
- Milestone Benefits : The Diners Black card offers more frequent (monthly) milestone benefits, while the Regalia has an annual milestone reward.
- Golf Benefits : The Diners Black card includes complimentary golf games, a feature not offered by the Regalia card.
- Complimentary Memberships : The Diners Black card offers a wider range of complimentary memberships, including high-value ones like Club Marriott and Amazon Prime.
HDFC Regalia Credit Card and HDFC Diners Black card - Which Card is Better?
The HDFC Diners Black Credit Card emerges as the more premium option, offering higher rewards, better travel benefits, and more extensive complimentary memberships. It’s ideal for frequent travelers, golf enthusiasts, and those who can meet the higher spending requirements to waive the annual fee.
The HDFC Regalia Credit Card, while still a premium offering, is more accessible with its lower annual fee and spending requirements. It’s suitable for those who want good travel and dining benefits without the higher costs associated with the Diners Black card.
Ultimately, the choice between these two cards depends on your spending habits, travel frequency, and the specific benefits you value most. Both cards offer excellent features, but the Diners Black card provides more luxurious perks for those willing to pay the premium.
Frequently Asked Questions (FAQs)
