HDFC Regalia Vs. HDFC Diners Club Privilege: Which is the better choice?

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.

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

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).

Read more about HDFC Diners Club Privilege Credit Card

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.