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 Gold 3 airport lounge visits a quarter; HDFC Regalia Gold has the lower forex markup (2% vs 3.5%).
| Key facts | HDFC Diners Club Privilege | HDFC Regalia Gold |
|---|---|---|
| Annual fee | ₹1,000 | ₹2,500 |
| Joining fee | ₹1,000 | ₹2,500 |
| Annual fee waived | On ₹3 lakh annual spend | On ₹4 lakh annual spend |
| Top reward rate | 4 reward points For Every ₹200 | 5X reward points on Myntra, Reliance Digital, Nykaa and 1 more |
| Base rewards | 4 reward points For Every ₹200 | 5 reward points For Every ₹200 |
| Lounge access | 2 airport lounge visits a quarter | 3 airport lounge visits a quarter |
| Forex markup | 3.5% | 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, HDFC Regalia Gold returns about ₹3,900 more a year after annual fees (₹7,800 vs ₹2,400 in rewards).
| Spend profile | HDFC Diners Club Privilege | HDFC Regalia Gold |
|---|---|---|
| Reward value: top rate / base rate | 1% / 1% | 8.13% / 1.63% |
| ₹20,000 a month, all general spends | ₹2,400 | ₹3,900 |
| ₹20,000 a month, ₹5,000 of it at each card's top rate | ₹2,400 | ₹7,800 |
| 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 Gold Credit Card both offer premium benefits with distinct focuses. The Diners Club Privilege card emphasizes dining and lifestyle rewards with multiple lounge accesses, while the Regalia Gold card provides stronger rewards on shopping and travel with more extensive lounge benefits. Fee structures and forex charges also differ, making each suitable for different spending habits and preferences.
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 Gold Credit Card |
|---|---|---|
| Bank | HDFC Bank | HDFC Bank |
| Network | Diners | MasterCard |
| 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.400000 For Renewal Fee Waiver |
| Top reward rate | Earn 4 Rewards Points For Every Rs.200 | 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 | 2 Complimentary Airport Lounge Access Per Quarter | 3 Domestic Lounge Visits Per Calendar Quarter |
| Lounge — international | 1 Complimentary Airport Lounge Access Per Quarter | 6 Complimentary Lounge Access Outside India |
| Welcome benefit | Complimentary Annual Memberships of Swiggy One | Complimentary MMT Black Gold Membership |
| Milestone benefit | Enjoy Rs.1500 Voucher on Spend of Rs.150000 in Calendar Quarter | Get Rs.1500 Vouchers on Spend Rs.150000; Get Rs.5000 Additional Flight Vouchers on Spend Rs.7.5 Lakhs |
| Foreign currency markup | 3.5% - Foreign Currency Transactions | 2% - Foreign Currency Transactions |
For rewards, the HDFC Bank Regalia Gold Credit Card clearly leads with a higher top reward rate of 5X points on select shopping brands like Myntra and Nykaa, and a base rate of 5 points per Rs.200 spent. It offers about Rs.7,800 in yearly rewards at Rs.20,000 monthly spend, compared to Rs.2,400 for the Diners Club Privilege card. The Diners card offers 4 points per Rs.200 with accelerated 5X points on dining brands Swiggy and Zomato, but its overall reward value is lower. Hence, shoppers focused on shopping and travel rewards will benefit more from Regalia Gold.
Regarding travel benefits, the Regalia Gold card provides more extensive lounge access with 3 domestic lounge visits per quarter and 6 complimentary international lounge visits, compared to the Diners Club Privilege card's 2 domestic and 1 international lounge access per quarter. Additionally, Regalia Gold offers flight vouchers as milestone benefits on higher spends, enhancing its travel value. The Diners card includes complimentary Swiggy One and Times Prime memberships, which are lifestyle perks rather than travel-focused. Overall, Regalia Gold is better suited for frequent travelers seeking lounge access and flight-related rewards.
The Diners Club Privilege card has a lower joining and renewal fee of Rs.1000 each, with a renewal fee waiver on spending Rs.3,00,000 annually. The Regalia Gold card charges Rs.2500 for joining and renewal, with a waiver threshold of Rs.4,00,000. Forex markup is higher on the Diners card at 3.5% versus 2% on Regalia Gold, making the latter more cost-effective for international spending. For users prioritizing lower fees and moderate spend thresholds, the Diners card is more economical, while Regalia Gold demands a higher spend but offers richer rewards and travel benefits.
The Diners Club Privilege card offers 5X points on dining brands Swiggy and Zomato with a maximum cap of 2500 points, while Regalia Gold provides 5X points on shopping brands such as Myntra, Nykaa, Marks & Spencer, and Reliance Digital with a higher cap of 5000 points. This makes Regalia Gold more rewarding for shoppers, whereas Diners Privilege suits dining enthusiasts.
Both cards provide Rs.1500 vouchers on spending Rs.150,000 in a calendar quarter. Regalia Gold further offers additional flight vouchers worth Rs.5000 on spends of Rs.5 lakhs and Rs.7.5 lakhs annually, enhancing its appeal for high spenders focused on travel.
The forex markup fee is 3.5% on the Diners Club Privilege card, which is relatively high compared to the 2% charged by the Regalia Gold card. This makes Regalia Gold more cost-effective for international transactions.
Consider HDFC Bank Diners Club Privilege Credit Card if you prefer a lower annual fee and enjoy dining and lifestyle rewards with accelerated points on food delivery platforms like Swiggy and Zomato. It is also suitable if you want a balanced mix of domestic and international lounge access with a moderate spend requirement for fee waiver.
Consider HDFC Bank Regalia Gold Credit Card if you seek higher rewards on shopping and travel, including 5X points on popular brands and extensive lounge access both domestically and internationally. It is ideal for frequent travelers who can meet higher spend milestones to unlock valuable flight vouchers and complimentary memberships like MMT Black Gold.
The Diners Club Privilege card charges Rs.1000 for joining and renewal, waived on spending Rs.3,00,000 annually. The Regalia Gold card charges Rs.2500 for joining and renewal, waived on spending Rs.4,00,000 annually.
Regalia Gold offers 3 domestic lounge visits per quarter and 6 international lounge accesses annually, while Diners Club Privilege provides 2 domestic and 1 international lounge access per quarter.
Regalia Gold offers 5X points on select shopping brands and 5 points per Rs.200 as base rate, yielding about Rs.7,800 yearly rewards at Rs.20,000 monthly spend. Diners Privilege offers 4 points per Rs.200 with 5X points on dining brands, totaling about Rs.2,400 yearly rewards.
Diners Club Privilege offers complimentary annual memberships of Swiggy One and Times Prime. Regalia Gold provides complimentary MMT Black Gold and Swiggy One memberships upon meeting minimum spend criteria.
Diners Club Privilege charges a forex markup of 3.5%, whereas Regalia Gold charges 2% on foreign currency transactions.