vs
In short: HDFC Diners Club Privilege has the lower annual fee (₹1,000 vs ₹2,500); HDFC Diners Club Privilege includes 2 airport lounge visits a quarter, HDFC Regalia 8 airport lounge visits a year; both charge a 3.5% forex markup.
| Key facts | HDFC Diners Club Privilege | HDFC Regalia |
|---|---|---|
| Annual fee | ₹1,000 | ₹2,500 |
| Joining fee | ₹1,000 | ₹2,500 |
| Annual fee waived | On ₹3 lakh annual spend | On ₹3 lakh annual spend |
| Base rewards | 4 reward points For Every ₹200 | 4 reward points For Every ₹200 |
| Lounge access | 2 airport lounge visits a quarter | 8 airport lounge visits a year |
| Forex markup | 3.5% | 3.5% |
From issuer benefit data, checked 27 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, both return about ₹2,400 a year; HDFC Diners Club Privilege comes out about ₹1,500 ahead because of its lower annual fee.
| Spend profile | HDFC Diners Club Privilege | HDFC Regalia |
|---|---|---|
| Reward value: top rate / base rate | 1% / 1% | 1% / 1% |
| ₹20,000 a month, all general spends | ₹2,400 | ₹2,400 |
| ₹20,000 a month, ₹5,000 of it at each card's top rate | ₹2,400 | ₹2,400 |
| Annual fee | ₹1,000 | ₹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 Privilege Credit Card and the HDFC Bank Regalia Credit Card Visa both offer a solid 4 reward points per Rs.200 spent as their base and top reward rates. While the Diners Club card emphasizes dining rewards and complimentary memberships, the Regalia card provides more extensive lounge access and milestone bonuses on high spends. Both cards have a renewal fee waiver on spending Rs.3,00,000 annually but differ in fees and additional benefits.
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 Privilege Credit Card | HDFC Bank Regalia Credit Card Visa |
|---|---|---|
| Bank | HDFC Bank | HDFC Bank |
| Network | Diners | Visa |
| Joining fee | Joining Fee of Rs.1000 | Joining Fee of Rs. 2500 |
| Annual / renewal fee | Renewal Fee of Rs.1000 | Renewal Fee of Rs. 2500 |
| Annual fee waiver | Spend Rs.300000 For Renewal Fee Waiver | Spend Rs.300000 For Renewal Fee Waiver |
| Top reward rate | Earn 4 Rewards Points For Every Rs.200 | Earn 4 Rewards Points For Every Rs.200 |
| Lounge — domestic | 2 Complimentary Airport Lounge Access Per Quarter | 8 Complimentary Airport Lounge Access Per Year |
| Lounge — international | 1 Complimentary Airport Lounge Access Per Quarter | 6 Complimentary International Lounge Access |
| Fuel surcharge waiver | — | 1% Fuel Surcharge Waiver |
| Welcome benefit | Complimentary Annual Memberships of Swiggy One | — |
| Milestone benefit | Enjoy Rs.1500 Voucher on Spend of Rs.150000 in Calendar Quarter | Earn 10000 Bonus Rewards Points on Rs. 5 Lakhs Spends; Earn 15000 Rewards Points on Spend of Rs.8 Lakhs |
| Foreign currency markup | 3.5% - Foreign Currency Transactions | 3.50% - Foreign Currency Transactions |
Both cards offer the same top and base reward rates of 4 points per Rs.200, making their earning potential similar for general spends. The Diners Club Privilege card stands out with 5X reward points on Swiggy and Zomato spends and 10X points on Smartbuy, which can be valuable for frequent diners and online shoppers. The Regalia card, however, offers milestone bonuses of 10,000 and 15,000 reward points on spends of Rs.5 lakhs and Rs.8 lakhs respectively, rewarding high spenders. Overall, rewards value is comparable, but the Diners card may appeal more to lifestyle-focused users, while Regalia suits big spenders seeking milestone bonuses.
The Regalia Credit Card Visa clearly leads in travel-related benefits with 8 complimentary domestic lounge accesses per year and 6 international lounge accesses, compared to the Diners Club Privilege card's 2 domestic and 1 international lounge access per quarter. Regalia also supports reward point redemption for travel bookings and airmiles, enhancing its travel utility. Both cards charge a 3.5% forex markup, so neither has an advantage there. For travelers seeking premium lounge access and travel redemption flexibility, Regalia is the better choice.
The Diners Club Privilege card has a lower joining and renewal fee of Rs.1000 each, compared to Rs.2500 for the Regalia card. Both waive the renewal fee on spending Rs.3,00,000 annually. The Regalia card offers a 1% fuel surcharge waiver starting October 2025, which the Diners card does not list in its data. Considering upfront and renewal fees, the Diners card is more cost-effective for moderate spenders, while Regalia's higher fees may be justified for those who maximize its travel and milestone benefits.
The Regalia card offers significantly more lounge access with 8 domestic and 6 international complimentary visits annually, compared to the Diners Club Privilege card's 2 domestic and 1 international lounge access per quarter. This makes Regalia more attractive for frequent travelers seeking premium airport experiences.
The Diners Club Privilege card provides accelerated 5X reward points on Swiggy and Zomato spends and 10X points on Smartbuy, along with complimentary memberships like Swiggy One and Times Prime. These benefits cater well to users who prioritize dining and lifestyle rewards.
The Regalia card includes a 1% fuel surcharge waiver effective from October 2025, which can provide savings on fuel transactions. This benefit is not listed in the Diners Club Privilege card data.
Consider HDFC Bank Diners Club Privilege Credit Card if you frequently spend on dining platforms like Swiggy and Zomato and want accelerated rewards in these categories. It is also suitable if you prefer a lower joining and renewal fee and value complimentary memberships such as Swiggy One and Times Prime. This card is a good fit for lifestyle-focused users who want decent lounge access and quarterly milestone vouchers.
Consider HDFC Bank Regalia Credit Card Visa if you are a frequent traveler who values extensive domestic and international airport lounge access and wants to earn milestone bonus reward points on high annual spends. It is also suitable if you want the flexibility to redeem reward points for travel bookings and airmiles. Despite a higher fee, this card offers premium travel benefits and rewards that can justify the cost for big spenders and travel enthusiasts.
The HDFC Bank Diners Club Privilege Credit Card has a joining and renewal fee of Rs.1000 each, while the HDFC Bank Regalia Credit Card Visa charges Rs.2500 for both joining and renewal.
Yes, both cards waive the renewal fee if you spend Rs.3,00,000 in the year.
Both cards charge a forex markup fee of 3.5% on foreign currency transactions.
The Regalia card offers more lounge access with 8 domestic and 6 international complimentary visits annually, whereas the Diners Club Privilege card offers 2 domestic and 1 international lounge access per quarter.
The Regalia card offers milestone bonuses of 10,000 reward points on Rs.5 lakhs spend and 15,000 points on Rs.8 lakhs spend. The Diners Club Privilege card offers a Rs.1500 voucher on spending Rs.1.5 lakhs in a calendar quarter.
The Regalia card provides a 1% fuel surcharge waiver starting October 2025. The Diners Club Privilege card's data does not list any fuel surcharge waiver.