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HDFC Bank Diners Club Premium Credit Card VS HDFC Bank Regalia Credit Card

A detailed, side-by-side look at 2 leading credit cards. Analyze the features that matter most to you and make an informed choice.
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Last updated: 30 June 2026

Both HDFC Bank Regalia Credit Card and HDFC Bank Diners Club Premium Credit Card suit travel-focused spenders, but they earn and cost differently. HDFC Bank Regalia Credit Card costs ₹2,500 + GST and earns 4 Reward Points on every Rs. 150 spent on retail. HDFC Bank Diners Club Premium Credit Card costs ₹2,500 + GST and earns 4 Reward Points for every ₹150 spent on domestic and international retail purchases. HDFC Bank Regalia Credit Card also brings 8 complimentary accesses per year, spend-based (Rs. 1 lakh per quarter for 2 vouchers), while HDFC Bank Diners Club Premium Credit Card counters with up to 6 complimentary domestic and international airport lounge accesses annually. Weigh the fee against the reward rate above to see which fits your spending pattern better.

HDFC Bank Diners Club Premium Credit Card
HDFC Bank Diners Club Premium Credit Card
HDFC Bank Regalia Credit Card
HDFC Bank Regalia Credit Card

Fees & Charges

Joining Fee₹2,500 + GST
Joining Fee₹2,500 + GST
Renewal Fee₹2,500 + GST
Renewal Fee₹2,500 + GST
Spend Based WaiverRenewal fee waived if ₹3 lakhs or more is spent in the preceding 12 months.
Spend Based WaiverAnnual fee waiver (second year onwards) on spending Rs. 3 lakhs or more in the previous year.
Foreign Transaction Fees2% on all foreign currency transactions + applicable taxes.
Foreign Transaction Fees2% on all foreign currency transactions.
Interest Rate (APR)3.6% per month (43.2% annually) on outstanding amounts.
Interest Rate (APR)3.6% per month or 43.2% annually on outstanding amount.

Rewards & Benefits

Welcome Bonus2,500 bonus Reward Points as a welcome benefit, credited after successful payment of the joining fee.
Welcome Bonus2,500 bonus Reward Points are awarded after the successful realization of the joining fee.
Rewards RateEarn 4 Reward Points for every ₹150 spent on domestic and international retail purchases.
Rewards RateEarn 4 Reward Points on every Rs. 150 spent on retail.
Reward TypeReward Points
Reward TypeReward Points
Reward Redemption Fee₹99 + applicable taxes.
Reward Redemption FeeRs. 99 (plus applicable taxes) charged on every redemption request.

Travel & Lifestyle

Domestic Lounge AccessUp to 6 complimentary domestic and international airport lounge accesses annually.
Domestic Lounge Access8 complimentary accesses per year, spend-based (Rs. 1 lakh per quarter for 2 vouchers).
International Lounge AccessUp to 6 complimentary domestic and international airport lounge accesses annually.
International Lounge AccessPriority Pass membership with 6 complimentary lounge visits per year outside India.
Travel BenefitsUp to 6 complimentary global lounge access, redeem points for flights & hotels.
Travel BenefitsComplimentary domestic/international lounge access, travel insurance, and accelerated rewards on bookings.
Movie BenefitsNot Applicable
Movie BenefitsNot Applicable
Dining BenefitsNot Applicable
Dining BenefitsGet up to 20% off on partner restaurants via Swiggy Dineout when payment is made via the Swiggy application.
Golf BenefitsNot Applicable
Golf BenefitsNot applicable.
Fuel Surcharge Waiver1% waiver on fuel transactions between ₹400 to ₹5,000.
Fuel Surcharge Waiver1% waiver on transactions Rs. 400-5,000, capped at Rs. 500 per month.

Security & Other

Insurance Benefits₹1 Cr air accident cover, ₹25 L overseas hospitalization, ₹50,000 baggage delay & ₹9 L credit liability.
Insurance BenefitsAccidental air death cover of Rs. 1 Cr, emergency overseas hospitalization up to Rs. 15 lakhs.
Cash Advance Charges2.5% of cash amount withdrawn, minimum ₹500.
Cash Advance Charges2.5% of transaction amount or Rs. 500, whichever is higher.
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

HDFC Bank Diners Club Premium Credit Card

HDFC Bank Regalia Credit Card

Who is it for?

The HDFC Bank Diners Club Premium Credit Card is a premium offering designed for individuals prioritizing exclusive travel benefits and substantial savings. It provides 4 Reward Points for every ₹150 spent, up to 6 complimentary global lounge accesses, and a low 2% forex markup. Its renewal fee can be waived with an annual spend of ₹3 lakhs, making it ideal for active users seeking extensive rewards and comprehensive insurance coverage.

Who is it for?

The HDFC Bank Regalia Credit Card is a premium offering designed for individuals seeking significant travel and lifestyle benefits. It provides a robust rewards program with 4 Reward Points on every Rs. 150 spent, complemented by welcome and milestone bonuses. Cardholders enjoy complimentary domestic and international lounge access, a low foreign currency markup, and comprehensive insurance coverage, making it ideal for frequent travelers and those seeking exclusive privileges.

Pros

Key benefits and features.

Get 6 complimentary access to more than 1000 lounges worldwide.

Renewal fee waiver on spending ₹3 lakhs in the year.

Low cross-currency conversion charges with a 2% forex markup fee.

Exclusive insurance benefits for air accidents and hospitalization.

Zero liability protection against lost or stolen card usage.

Pros

Key benefits and features.

Generous welcome bonus reward points and a competitive reward rate.

Low foreign exchange markup fee of 2% on international transactions.

Complimentary domestic and international lounge access with Priority Pass.

Significant milestone benefits with bonus reward points on annual spending.

Cons

Key drawbacks and limitations.

No complimentary movie ticket, entertainment, or dining offers.

Reward rate could be better for general spends despite up to 1.3% savings.

No reward points are earned on fuel transactions.

Complimentary lounge access is only for Primary Cardholders.

Cons

Key drawbacks and limitations.

Other HDFC cards might offer better benefits or redemption options.

Many spend categories like fuel, rentals, and government spends do not earn reward points.

Reward points have an expiry period of 2 years from the date of accumulation.

Domestic lounge access is spend-based, requiring Rs. 1 lakh spend per quarter.

How We Compare These Cards

Every comparison on CardsForYou is built from the same verified data set we use across the site - joining and renewal fees, reward rates, forex markup, lounge access, and insurance benefits - sourced directly from each issuer and refreshed regularly. We highlight the lower-cost option on fees automatically, but "best" always depends on your own spending pattern: a card that wins on annual fee may lose on reward rate for a heavy spender, and vice versa. Use the table above alongside your own typical monthly spend to judge real value, not just the headline numbers.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.
Apply for HDFC Bank Diners Club Premium Credit Card(opens in new tab)Apply for HDFC Bank Regalia Credit Card(opens in new tab)