Hdfc Bank Diners Club Black Metal Edition Credit Card vs Hdfc Bank Regalia Gold Credit Card: Which is Better in 2026?
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Hdfc Bank Regalia Gold Credit Card lists a lower headline annual fee in our data (around ₹7,500 apart), before waivers. Hdfc Bank Diners Club Black Metal Edition Credit Card shows a stronger headline earn rate in the first reward band we surface. Always confirm current fees and offers on the issuer’s site before you apply.
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| Feature | Hdfc Bank Diners Club Black Metal Edition 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.800000 For Renewal Fee Waiver | Spend Rs.400000 For Renewal Fee Waiver |
| Reward rate (headline) | Earn 10X Reward Points on Smartbuy | 5X Reward Points on spends at Nykaa |
| Lounge — domestic | Enjoy Unlimited Complimentary Lounge Visits in India | 12 Complimentary Airport Lounge Access |
| Lounge — international | Enjoy Unlimited Complimentary International Lounge Visits | 6 Complimentary Lounge Access Outside India |
| Welcome benefit | Complimentary Amazon Prime Annual Membership | Complimentary MMT Black Gold Membership |
| Milestone benefit | Earn 10000 Bonus Reward Points on Spend of Rs.4 Lakhs | Earn 10000 Rewards Points on Spend of Rs.5 Lakhs; Earn 15000 Rewards Points on Spend of Rs.8 Lakhs |
| Foreign currency markup | 2% - Foreign Currency Transactions | 2% - Foreign Currency Transactions |
Which is better for rewards?
Hdfc Bank Diners Club Black Metal Edition Credit Card shows a higher headline earn signal in the reward summaries we index (Earn 10X Reward Points on Smartbuy vs 5X Reward Points on spends at Nykaa). If you optimise for points or cashback on daily spend, start with that card’s reward bands — then model redemptions you actually use.
Which is better for travel?
Hdfc Bank Diners Club Black Metal Edition Credit Card has richer lounge-related fields in our current benefits extract (domestic: Enjoy Unlimited Complimentary Lounge Visits in India; international: Enjoy Unlimited Complimentary International Lounge Visits). Frequent flyers should still confirm guest access, visit limits and participating airports with the issuer.
Which has lower effective cost?
Hdfc Bank Regalia Gold Credit Card appears cheaper on headline renewal fee in our data before waivers. If you are fee-sensitive, also read the waiver rules in the table — a higher sticker fee can still be net-negative cost if you naturally clear spend thresholds.
Who should pick Hdfc Bank Diners Club Black Metal Edition Credit Card?
Consider Hdfc Bank Diners Club Black Metal Edition Credit Card if you already bank with HDFC Bank, and the fee, waiver and earn rows above line up with how you spend each month. Use CardChat on that card for deeper, personalised follow-ups.
Who should pick Hdfc Bank Regalia Gold Credit Card?
Consider Hdfc Bank Regalia Gold Credit Card if you already bank with HDFC Bank, and the fee, waiver and earn rows above line up with how you spend each month. Use CardChat on that card for deeper, personalised follow-ups.
Frequently Asked Questions
From the lounge fields in our benefit data: Hdfc Bank Diners Club Black Metal Edition Credit Card — domestic: Enjoy Unlimited Complimentary Lounge Visits in India; international: Enjoy Unlimited Complimentary International Lounge Visits. Hdfc Bank Regalia Gold Credit Card — domestic: 12 Complimentary Airport Lounge Access; international: 6 Complimentary Lounge Access Outside India. Guest rules, networks and visit caps change — confirm on the HDFC Bank and HDFC Bank websites before you travel.
From the renewal-fee lines we index, the headline amounts are about ₹2,500 vs ₹10,000 per year before taxes and waivers. Campaigns and customer-specific pricing differ — use the comparison table and the HDFC Bank and HDFC Bank websites for the final number.
On the first reward band we surface, Hdfc Bank Diners Club Black Metal Edition Credit Card shows a stronger headline earn (Earn 10X Reward Points on Smartbuy vs 5X Reward Points on spends at Nykaa). Category bonuses, caps and redemption value decide real-world returns — map this to where you actually spend.
Hdfc Bank Diners Club Black Metal Edition Credit Card: Spend Rs.800000 For Renewal Fee Waiver Hdfc Bank Regalia Gold Credit Card: Spend Rs.400000 For Renewal Fee Waiver Spend thresholds and anniversary rules change; confirm the latest T&Cs.
Hdfc Bank Diners Club Black Metal Edition Credit Card: 2% - Foreign Currency Transactions Hdfc Bank Regalia Gold Credit Card: 2% - Foreign Currency Transactions Lower published foreign-currency markup is usually better for overseas and foreign-currency online spend; confirm the live rate and exclusions on the HDFC Bank and HDFC Bank websites.
Hdfc Bank Diners Club Black Metal Edition Credit Card: Complimentary Amazon Prime Annual Membership Hdfc Bank Regalia Gold Credit Card: Complimentary MMT Black Gold Membership Welcome campaigns are time-bound — verify eligibility and fulfilment on the HDFC Bank and HDFC Bank websites.