vs
In short: HDFC Regalia Gold has the lower annual fee (₹2,500 vs ₹10,000); HDFC Diners Club Black Metal Edition includes unlimited domestic & international lounge access, HDFC Regalia Gold 3 airport lounge visits a quarter; both charge a 2% forex markup.
| Key facts | HDFC Diners Club Black Metal Edition | HDFC Regalia Gold |
|---|---|---|
| Annual fee | ₹10,000 | ₹2,500 |
| Joining fee | ₹10,000 | ₹2,500 |
| Annual fee waived | On ₹8 lakh annual spend | On ₹4 lakh annual spend |
| Top reward rate | 5 reward points For Every ₹150 | 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 | 3 airport lounge visits a quarter |
| Forex markup | 2% | 2% |
From issuer benefit data, checked 4 Nov 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, both return about ₹8,000 a year; HDFC Regalia Gold comes out about ₹7,300 ahead because of its lower annual fee.
| Spend profile | HDFC Diners Club Black Metal Edition | HDFC Regalia Gold |
|---|---|---|
| Reward value: top rate / base rate | 3.33% / 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 | ₹8,000 | ₹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 Metal Edition Credit Card and the Hdfc Bank Regalia Gold Credit Card both offer premium benefits with distinct reward structures and fee waivers. The Diners Club Black Metal Edition focuses on high reward points across multiple categories and unlimited lounge access, while the Regalia Gold emphasizes accelerated rewards on select shopping brands and milestone flight vouchers. Both cards have a 2% forex markup fee and offer concierge services, but differ significantly in fees and lounge access limits.
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 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 |
| Top reward rate | Earn 5 Rewards Points For Every Rs.150 | 5X reward points on Myntra, Reliance Digital, Nykaa and 1 more |
| Base rate (other spends) | — | 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 |
| 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 | 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 Diners Club Black Metal Edition card provides a consistent 5 reward points per Rs.150 spent across many categories including grocery, insurance, and telecom, plus 10X points on Smartbuy and 2X on weekend dining. This broad base yields about Rs.8,000 annually at Rs.20,000 monthly spend. The Regalia Gold card offers higher 5X points on specific brands like Myntra and Nykaa but a lower base rate of 5 points per Rs.200, totaling around Rs.7,800 yearly. The Diners card's wider accelerated categories and higher base rate make it better for diverse spending patterns.
Travel benefits favor the Diners Club Black Metal Edition with unlimited complimentary lounge visits both domestically and internationally, compared to Regalia Gold's limited 3 domestic and 6 international lounge visits per quarter. Additionally, the Diners card includes golf game perks and complimentary memberships like Amazon Prime and Club Marriott, enhancing travel and lifestyle value. Regalia Gold offers milestone flight vouchers up to Rs.5,000 and complimentary MMT Black Gold membership, which is valuable but more spend-dependent.
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 Metal Edition. Fee waivers are easier to achieve on Regalia Gold with Rs.4 lakh annual spend versus Rs.8 lakh on the Diners card. For users sensitive to fees, Regalia Gold is more accessible, while the Diners card suits high spenders who can maximize fee waivers and premium benefits.
The Diners Club Black Metal Edition offers a uniform reward rate of 5 points per Rs.150 across multiple essential categories, making it ideal for everyday spending. In contrast, Regalia Gold targets shoppers with 5X points on select brands but a lower base rate, favoring focused category spenders.
Diners Club Black Metal Edition provides unlimited domestic and international lounge visits, which is advantageous for frequent travelers. Regalia Gold limits lounge visits to 3 domestic and 6 international per quarter, which may suffice for occasional travelers.
Consider Hdfc Bank Diners Club Black Metal Edition Credit Card if you are a high spender seeking premium lounge access without limits, broad-based accelerated rewards across many categories, and valuable welcome memberships like Amazon Prime. This card suits those who can meet the higher fee waiver threshold and want luxury travel and lifestyle perks.
Consider Hdfc Bank Regalia Gold Credit Card if you prefer a lower fee card with strong rewards on popular shopping brands like Myntra and Nykaa, milestone flight vouchers, and limited but sufficient lounge access. This card is better suited for moderate spenders looking for good value without a high annual fee commitment.
The Diners Club Black Metal Edition has a joining and renewal fee of Rs.10,000 each, waived on spending Rs.8 lakh annually. The Regalia Gold card charges Rs.2,500 for joining and renewal, waived on Rs.4 lakh annual spend.
The Diners Club Black Metal Edition offers unlimited complimentary lounge visits in India and abroad. Regalia Gold provides 3 domestic and 6 international lounge visits per calendar quarter.
Both cards charge a 2% forex markup fee on foreign currency transactions.
Diners Club Black Metal Edition offers complimentary Amazon Prime, Club Marriott, and Swiggy One memberships upon meeting spend criteria. Regalia Gold provides complimentary MMT Black Gold and Swiggy One memberships.
At Rs.20,000 monthly spend, the Diners Club Black Metal Edition yields about Rs.8,000 in rewards annually, while Regalia Gold offers approximately Rs.7,800.
Yes, the Diners Club Black Metal Edition gives 10,000 bonus reward points on Rs.4 lakh quarterly spend. Regalia Gold offers vouchers and flight vouchers ranging from Rs.1,500 to Rs.5,000 on spends between Rs.1.5 lakh and Rs.7.5 lakh.