vs
In short: HDFC Regalia Gold has the lower annual fee (₹2,500 vs ₹10,000); both charge a 2% forex markup.
| Key facts | HDFC Diners Club Black | HDFC Regalia Gold |
|---|---|---|
| Annual fee | ₹10,000 | ₹2,500 |
| Joining fee | ₹10,000 | ₹2,500 |
| Annual fee waived | On ₹5 lakh annual spend | On ₹4 lakh annual spend |
| Top reward rate | 2X Reward Points per ₹150 on Dining | 5X reward points on Myntra, Reliance Digital, Nykaa and 1 more |
| Base rewards | 5 reward points For Every ₹150 | 5 reward points For Every ₹200 |
| Lounge access | Unlimited domestic & international lounge access | Not listed |
| Forex markup | 2% | 2% |
From issuer benefit data, checked 26 Oct 2026. Milestones, welcome benefits and caps are in the full table below.
On ₹20,000 a month with ₹5,000 at each card's top rate, HDFC Regalia Gold returns about ₹5,300 more a year after annual fees (₹7,800 vs ₹10,000 in rewards).
| Spend profile | HDFC Diners Club Black | HDFC Regalia Gold |
|---|---|---|
| Reward value: top rate / base rate | 6.67% / 3.33% | 8.13% / 1.63% |
| ₹20,000 a month, all general spends | ₹8,000 | ₹3,900 |
| ₹20,000 a month, ₹5,000 of it at each card's top rate | ₹10,000 | ₹7,800 |
| Annual fee | ₹10,000 | ₹2,500 |
Estimates from the earn rates above, with stated cashback caps applied, before exclusions. Reward points are valued at the card's best listed redemption (often travel or vouchers via the bank's portal); cash-back on the statement is usually worth less. Annual fees may be waived on spend (see the table below).
The HDFC Bank Diners Club Black Credit Card and the HDFC Bank Regalia Gold Credit Card both offer premium benefits but cater to different spending styles and preferences. Diners Club Black focuses on travel and lifestyle memberships with unlimited lounge access, while Regalia Gold emphasizes shopping rewards and milestone vouchers. Their fee structures and lounge access policies also differ significantly.
Comparison notes and quick badges use AI, grounded in the benefit data shown in the table. Confirm details on each issuer’s site.
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| Feature | HDFC Bank Diners Club Black Credit Card | Hdfc Bank Regalia Gold Credit Card |
|---|---|---|
| Bank | HDFC Bank | HDFC Bank |
| Network | Diners | MasterCard |
| Joining fee | Joining Fee of Rs.10000 | Joining Fee of Rs. 2500 |
| Annual / renewal fee | Renewal Fee of Rs.10000 | Renewal Fee of Rs. 2500 |
| Annual fee waiver | Spend Rs.500000 For Renewal Fee Waiver | Spend Rs.400000 For Renewal Fee Waiver |
| Top reward rate | Earn 2X Reward Points per Rs.150 on Dining | 5X reward points on Myntra, Reliance Digital, Nykaa and 1 more |
| Base rate (other spends) | Earn 5 Rewards Points For Every Rs.150 | Earn 5 Rewards Points For Every Rs.200 |
| Lounge — domestic | Enjoy Unlimited Complimentary Lounge Visits in India | 3 Domestic Lounge Visits Per Calendar Quarter |
| Lounge — international | Enjoy Unlimited Complimentary International Lounge Visits | 6 Complimentary Lounge Access Outside India |
| Fuel surcharge waiver | 1% Fuel Surcharge Waiver | — |
| Welcome benefit | Complimentary Amazon Prime Annual Membership | Complimentary MMT Black Gold Membership |
| Milestone benefit | Complimentary Amazon Prime Annual Membership; Complimentary Club Marriott Annual Membership | Get Rs.1500 Vouchers on Spend Rs.150000; Get Rs.5000 Additional Flight Vouchers on Spend Rs.7.5 Lakhs |
| Foreign currency markup | 2% - Foreign Currency Transactions | 2% - Foreign Currency Transactions |
For rewards, the HDFC Bank Diners Club Black Credit Card offers a higher base reward rate of 5 points per Rs.150 spent and 2X points on dining, along with 10X points on Smartbuy, making it versatile for various categories. The Regalia Gold card provides 5X points on select shopping brands but has a lower base rate of 5 points per Rs.200 spent. Despite Regalia Gold's higher top reward multiplier on specific brands, the Diners Club Black yields a higher overall annual rewards value (Rs.10,000 vs Rs.7,800) for a typical spend profile, making it better for broad rewards accumulation.
Travel benefits strongly favor the Diners Club Black card, which offers unlimited complimentary domestic and international lounge access and multiple premium memberships like Amazon Prime, Club Marriott, and MakeMyTrip Black Gold. In contrast, Regalia Gold limits domestic lounge visits to three per quarter and six international visits annually, with travel benefits mainly via flight vouchers on milestone spends. Thus, Diners Club Black is more suitable for frequent travelers seeking extensive lounge access and lifestyle perks.
The Regalia Gold card has a significantly lower joining and renewal fee of Rs.2,500 compared to Rs.10,000 for the Diners Club Black. Both cards offer fee waivers on annual spends—Rs.4,00,000 for Regalia Gold and Rs.5,00,000 for Diners Club Black—making Regalia Gold more accessible cost-wise. Additionally, the Diners Club Black charges a 2% forex markup similar to Regalia Gold, but it also provides a 1% fuel surcharge waiver, which Regalia Gold's fuel waiver data is not listed. Overall, Regalia Gold is more beginner-friendly with lower fees and easier waiver thresholds.
Diners Club Black offers unlimited complimentary lounge visits both in India and internationally, making it highly suitable for frequent travelers. Regalia Gold restricts domestic lounge access to 3 visits per calendar quarter and international access to 6 visits annually, catering to occasional travelers.
Diners Club Black provides a higher base reward rate and accelerated points on dining and Smartbuy, supporting diverse spending categories. Regalia Gold emphasizes 5X points on select shopping brands with a lower base rate, appealing mainly to shoppers focused on those brands.
The renewal fee waiver for Diners Club Black requires a higher annual spend of Rs.5,00,000, whereas Regalia Gold requires Rs.4,00,000, making the latter easier to maintain fee-free status for moderate spenders.
Consider HDFC Bank Diners Club Black Credit Card if you are a frequent traveler or lifestyle enthusiast who values unlimited lounge access both domestically and internationally, along with premium memberships like Amazon Prime and MakeMyTrip Black Gold. Its higher base and category-specific reward rates also suit those who want broad rewards across dining, groceries, and utilities. This card is ideal if you can comfortably meet the higher fee and spend requirements to maximize its benefits.
Consider HDFC Bank Regalia Gold Credit Card if you prefer a lower fee premium credit card with focused rewards on popular shopping brands like Myntra, Nykaa, and Reliance Digital. It suits users who want milestone vouchers and flight benefits with moderate lounge access. This card is better for those who want to keep costs down while still enjoying curated rewards and occasional travel perks.
HDFC Bank Diners Club Black has a joining and renewal fee of Rs.10,000 each, while HDFC Bank Regalia Gold charges Rs.2,500 for both joining and renewal.
Diners Club Black offers unlimited complimentary domestic and international lounge visits, whereas Regalia Gold provides 3 domestic lounge visits per quarter and 6 international lounge visits annually.
Both cards charge a 2% forex markup on foreign currency transactions.
Diners Club Black offers a 1% fuel surcharge waiver. For Regalia Gold, fuel surcharge waiver information is not listed in our data—check the issuer.
Diners Club Black has a base reward rate of 5 points per Rs.150 spent and 2X points on dining, with 10X points on Smartbuy. Regalia Gold offers 5 points per Rs.200 spent and 5X points on select shopping brands such as Myntra, Nykaa, and Reliance Digital.
Diners Club Black provides complimentary memberships like Amazon Prime and Marriott on meeting spend criteria, while Regalia Gold offers vouchers and flight vouchers on milestone spends ranging from Rs.1.5 lakh to Rs.7.5 lakh.