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If you are looking for the best HDFC credit card or if you are already an HDFC credit card user and looking to upgrade, you must have come across two very popular cards- HDFC Regalia and HDFC Diners Club Privilege. But which of the two is better for you? Given that both credit cards target the premium segment of customers and offer almost similar reward rate and features, the confusion is quite valid. However, there are a few differences which will help you make the right choice.

Here we have compared both the cards in detail and have given the major differences which will help you make an informed decision. But first, let’s have a glance at the key differences between the two.

Basis of Difference

HDFC Regalia Vs HDFC Diners Club Privilege
Credit Card  HDFC Regalia Credit Card  
Annual Fee Rs. 2,500 Rs. 2,500
Monthly Income Eligibility Rs. 70,000 Rs. 40,000
Card Type Premium Premium
Welcome Benefit Complimentary Zomato Pro Membership for 1 year* Yearly Memberships:
Zomato Gold
Amazon Prime
MakeMyTrip Double Black
Times Prime
BBStar (BigBasket)
Renewal Benefit 10,000 reward points on annual spends of Rs. 5 Lakh
5,000 additional reward points on annual spends of Rs. 8 Lakh		 Nil
Reward Rate 1.33% (4 points per Rs. 150) 1.33% (4 points per Rs. 150)
Monthly Milestone Benefit Nil BookMyShow voucher, TataCLiQ voucher or Ola Select membership worth Rs. 500 on spending Rs. 40,000 in a month
Forex Markup Fee 2% 1.99%
Spend Based Annual Fee Waiver Rs. 3 lakh Rs. 3 lakh

Check Top Credit Cards in India

Go for HDFC Regalia Credit Card, if-
Go for HDFC Diners Club Privilege Credit Card, if-
What we suggest
Go for HDFC Regalia Credit Card, if-
  1. You want to accrue reward points to redeem later for flight tickets or hotel bookings 
  2. You travel frequently, as HDFC Regalia with  Visa/Mastercard would have extensive lounge tie-ups.
  3. You would be able to spend Rs. 5 Lakh to Rs. 8 Lakh in a year to avail milestone benefits.
  4. You put most of your routine expenditure on your credit card.
  5. Your monthly income is at least Rs. 70,000 and you are fine with paying an annual fee of Rs. 2,500.
HDFC Regalia Credit Card
PROS CONS
  • Low Forex Markup Fee i.e. 2%
  • Accelerated reward points (4 points per Rs.150 on all retail spends)
  • Complimentary Zomato Pro Membership
  • 12 complimentary domestic and international lounge visits per year
  • No complimentary offers for movie tickets 
  • No Cashback on online spends 
  • Limited benefits across multiple categories

Suggested Article: Everything you need to know about HDFC Regalia Credit Card

Go for HDFC Diners Club Privilege Credit Card, if-
  1. You would be able to achieve a monthly spend of Rs. 40,000 like a clockwork and would like to get vouchers from BookMyShow, Ola and Tata Cliq 
  2. You would like to avail Complimentary Annual Memberships with Club Marriott, MakeMyTrip Double Black, Zomato Gold, Amazon Prime, Forbes, Times Prime.
  3. You are inclined towards golf benefits as the card offers 6 Complimentary Golf games per quarter across the world’s best courses.
  4. You would be able to spend Rs. 5 lakh annually to avail of the complimentary memberships. 
  5. You are fine with the low AirMile conversion rate (1 Reward Point = 0.5 AirMile).
HDFC Diners Club Privilege Credit Card
PROS CONS
  • Low Forex Markup Fee of 1.99%
  • High overall rewards rate of 2.55% (1.25% accelerated rewards rate + 1.3% regular rewards rate)
  • Complimentary annual memberships – Zomato Gold, Amazon Prime, MMT Double Black, Times Prime, and BB Star
  • The lower conversion rate for Airmiles
  • Apart from memberships of Amazon Prime & Zomato gold, the rest brands aren’t attractive enough

Read more about HDFC Diners Club Privilege Credit Card

What we suggest

As seen from the comparison above both these credit cards, HDFC Regalia and Diners Privilege, have the nearly same set of features and benefits. That’s not all, even if you compare the reward structure, both these cards end up giving an effective reward rate of 1.33% (4 reward points per Rs. 150 spent.  However, these cards show little difference in the manner in which one avails the other benefits.

In the case of HDFC Regalia, benefits are mainly offered in the form of reward points and most of them are earned on achieving milestone spends. However, with Diners Privilege, you will get benefits in the form of monthly vouchers and annual memberships (Monthly vouchers are dependent on achieving monthly spend of Rs. 40,000).

At annual spends of Rs. 5 lakh, benefits with Diners Privilege Card are significantly higher. However, at annual spends of Rs. 8 Lakh, both HDFC Regalia and Diners Privilege provide nearly the same benefits.

It is clear from the above comparison table that Diners Club Privilege has a little edge over Regalia in terms of features and rewards. Extra 10X rewards with partners, monthly milestone benefits and annual membership advantage push the card a little higher in rank. . Access to complimentary Golf games twice per quarter will also entice Golf lovers. 

On the other hand, Diners Club Cards may not be accepted at every POS while Visa/Mastercard are easily accepted by all. So, if you plan on using the card mainly for retail spends, Regalia could be a better option. 

What do you think about these two credit cards? Which one would you prefer? Let us know in the comments section below.

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