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HDFC Bank Diners Club Privilege Credit Card VS HDFC Bank Regalia Gold 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 Gold Credit Card and HDFC Bank Diners Club Privilege Credit Card suit travel-focused spenders, but they earn and cost differently. HDFC Bank Regalia Gold Credit Card costs ₹2,500 + GST and earns 4 RPs on ₹150 retail spend; 20 RPs on ₹150 at Nykaa, Reliance Digital, Myntra, M&S. HDFC Bank Diners Club Privilege Credit Card costs ₹1,000 + GST and earns 4 Reward Points on every Rs.150 retail spends. Up to 10X RP on SmartBuy, 5X RP on Swiggy & Zomato. HDFC Bank Regalia Gold Credit Card also brings 12 complimentary domestic lounge access visits per year, 3 per quarter, for primary and add-on cards, while HDFC Bank Diners Club Privilege Credit Card counters with 2 complimentary lounge visits per quarter in India. If shopping spending matters more, go with HDFC Bank Regalia Gold Credit Card; if premium is the priority, HDFC Bank Diners Club Privilege Credit Card fits better.

HDFC Bank Diners Club Privilege Credit Card
HDFC Bank Diners Club Privilege Credit Card
HDFC Bank Regalia Gold Credit Card
HDFC Bank Regalia Gold Credit Card

Fees & Charges

Joining Fee₹1,000 + GST
Joining Fee₹2,500 + GST
Renewal Fee₹1,000 + GST
Renewal Fee₹2,500 + GST
Spend Based WaiverRenewal fee waived for next year on spends of Rs. 3 Lakhs in the card anniversary year.
Spend Based WaiverRenewal Fee waived upon spending ₹4 Lakhs in an anniversary year (12 billing cycles).
Foreign Transaction FeesA nominal 3.5% on all your foreign currency spends.
Foreign Transaction Fees2% + GST applies on all international foreign currency transactions.
Interest Rate (APR)3.75% Per Month (equivalent to 45% Per Annum).
Interest Rate (APR)Revolving credit interest rate is 3.75% per month, equating to 45% annually.

Rewards & Benefits

Welcome BonusComplimentary annual memberships of Swiggy One and Times Prime on spending ₹75,000 within 90 days.
Welcome Bonus₹2,500 gift voucher. Complimentary Swiggy One and MMTBLACK Gold Membership on ₹1 Lakh spend in 90 days.
Rewards RateEarn 4 Reward Points on every Rs.150 retail spends. Up to 10X RP on SmartBuy, 5X RP on Swiggy & Zomato.
Rewards RateEarn 4 RPs on ₹150 retail spend; 20 RPs on ₹150 at Nykaa, Reliance Digital, Myntra, M&S.
Reward TypeReward Points
Reward TypeReward Points
Reward Redemption FeeRs 99 per redemption request (plus applicable taxes).
Reward Redemption Fee₹99 + GST is charged per redemption of reward points.

Travel & Lifestyle

Domestic Lounge Access2 complimentary lounge visits per quarter in India.
Domestic Lounge Access12 complimentary domestic lounge access visits per year, 3 per quarter, for primary and add-on cards.
International Lounge Access2 complimentary lounge visits per quarter worldwide (including international destinations).
International Lounge Access6 complimentary international lounge visits per year via Priority Pass for primary & add-on members.
Travel Benefits2 complimentary airport lounge accesses every quarter worldwide. Up to 10X Rewards on booking flights & hotels via Smartbuy.
Travel BenefitsOffers extensive travel perks including flight vouchers, discounts, and complimentary lounge access.
Movie Benefits'Buy 1 Get 1 Free' on movie/non-movie weekend tickets via BookMyShow (max discount Rs. 250/ticket, up to 2 monthly).
Movie BenefitsNot Applicable
Dining BenefitsEarn 5X Reward Points on Swiggy and Zomato. FLAT 10% EXTRA OFF on dining bills at 35K+ restaurants via Swiggy Dineout.
Dining BenefitsFLAT 10% EXTRA OFF at 35,000+ restaurants. Get ₹200 Off on Swiggy Dineout twice monthly.
Golf BenefitsNot Applicable
Golf BenefitsNot Applicable
Fuel Surcharge WaiverNot applicable.
Fuel Surcharge WaiverNot Applicable for fuel transactions with this HDFC Bank Regalia Gold Credit Card.

Security & Other

Insurance BenefitsAir accident ₹1 Cr, overseas hospitalization ₹25 Lakhs, travel insurance ₹50k, credit liability ₹9 Lakh.
Insurance Benefits₹1 Cr air death cover, ₹15 Lakhs overseas hospitalization, ₹9 Lakhs credit liability cover.
Cash Advance Charges2.5% of the withdrawal amount, subject to a minimum charge of Rs 500.
Cash Advance ChargesEither 2.5% of amount or ₹500, whichever of these two values is higher.
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

HDFC Bank Diners Club Privilege Credit Card

HDFC Bank Regalia Gold Credit Card

Who is it for?

HDFC Bank Diners Club Privilege Credit Card is a sub-premium credit card offering a range of rewards and benefits tailored for a premium lifestyle. Cardholders receive complimentary annual memberships to Swiggy One and Times Prime as a welcome benefit upon spending ₹75,000 within the first 90 days. The card provides 4 Reward Points for every ₹150 spent on retail, with accelerated earnings of up to 10x Reward Points on SmartBuy spends and 5x Reward Points on Swiggy and Zomato transactions. Additionally, it offers 'Buy 1 Get 1 Free' on weekend movie/non-movie tickets via BookMyShow and provides complimentary access to over 1,000 airport lounges worldwide.

Who is it for?

The HDFC Bank Regalia Gold Credit Card is a premium lifestyle card designed for high-spenders, offering exclusive travel and shopping benefits. It provides strong reward rates, complimentary lounge access, and valuable milestone rewards, making it ideal for maximizing value on significant expenses. This card offers a comprehensive suite of features for a discerning clientele.

Pros

Key benefits and features.

Earn 4 Reward Points per Rs. 150 spent, with accelerated 5x Reward Points on Zomato and Swiggy spends.

Frequent travelers benefit from 8 complimentary domestic and international lounge access per year.

Avail complimentary annual Swiggy One and Times Prime memberships as welcome benefits on eligible spend.

Enjoy 'Buy 1 Get 1 Free' movie/non-movie tickets on weekends via BookMyShow, enhancing entertainment value.

The card offers impressive insurance benefits, including air accident and overseas hospitalization cover.

Pros

Key benefits and features.

Access to exclusive 24/7 concierge service for all travel and lifestyle assistance needs.

Generous lounge access with 12 domestic and 6 international visits annually for cardholders.

Strong reward rates, including 5X accelerated points on preferred partner brands like Nykaa.

Flexible redemption options for flights, hotels, vouchers, airmiles, and even cashback.

Comprehensive insurance benefits covering air death, overseas hospitalization, and credit cover.

Cons

Key drawbacks and limitations.

The welcome benefit offers of Swiggy One and Times Prime memberships may not be desired by all cardholders.

The annual fee of Rs 1,000 + taxes is relatively higher than some competing credit card options.

A rewards redemption fee of Rs 99 + taxes is applicable for each redemption request.

A foreign currency markup of 3.5% applies to international transactions, which can be quite high.

Interest rates of 3.75% per month (45% annually) can lead to high costs if balances are carried over.

Cons

Key drawbacks and limitations.

A redemption fee of ₹99 + GST is applicable on all reward point redemptions made.

The annual renewal fee waiver requires a relatively high annual spend of ₹4 Lakhs.

Reward point accrual has maximum caps on grocery and insurance transactions monthly.

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.
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