HDFC Bank Regalia vs Diners Club Privilege Credit Card

HDFC Bank Regalia vs Diners Club Privilege Credit Card

Regalia and Diners Club Privilege are two of the most popular credit cards from HDFC Bank. While Regalia has been around for almost 10 years now, Diners Club Privilege is a recent launch. The key difference is the platform for these cards. Regalia is on Visa/Mastercard while Privilege is on Diners Club. HDFC Bank allows only one credit card per customer in most cases. So, which one to go for when we have both options. Here is a comparison of the HDFC Bank Regalia vs Diners Club Privilege credit cards to help you decide.

Fees and Charges

Fee TypeHDFC Bank Regalia Credit CardHDFC Bank Diners Privilege Credit Card
Joining/Renewal FeeRs 2500 – Issued LTF in most cases Rs 2500 – Issued LTF in most cases
Welcome Benefit2500 Reward Points if the joining fee is paidComplimentary annual memberships of Amazon Prime, Zomato Pro, MMT Black, BB Star, and Times Prime Smart
Renewal Fee WaiverRs 3 Lakhs spend in a membership yearRs 3 Lakhs spend in a membership year
Renewal Benefit2500 Reward Points if the renewal fee is paid None
HDFC Bank Regalia vs Diners Club Privilege Credit Card – Fees and Charges

Rewards

CategoryHDFC Bank Regalia Credit CardHDFC Bank Diners Club Privilege Credit Card
Base Rewards4 Reward Points per Rs 1504 Reward Points per Rs 150
Weekend Dining Spends2X Rewards or 8 Reward Points per Rs 150 up to Rs 500 per day4 Reward Points per Rs 150
Spends at 10X Diners Club Partners4 Reward Points per Rs 15010X Rewards or 40 Reward Points per Rs 150
Wallet LoadsNo RewardsNo Rewards
Milestone RewardsA. Bonus 10,000 Reward Points on Rs 5 Lakhs spends in a membership year

B. Additional 5,000 Reward Points on Rs 8 lakhs spends
A. 1 month Ola Select/Cure.Fit Live, Rs 500 BookMyShow/TataCliq voucher on spends of Rs 40000 in a month

B. Complimentary annual memberships of Amazon Prime, Zomato Pro, MMT Black, BB Star, and Times Prime Smart on spending Rs 5 Lakhs in a membership year
HDFC Bank Regalia vs Diners Club Privilege Credit Card – Rewards

SmartBuy Rewards

Both Regalia and Diners Club Privilege credit cards get the same benefits on SmartBuy. The bonus rewards SmartBuy cap is 4000 reward points per calendar month and 2000 RP per day.

LTF IndusInd Bank Credit Cards
Shopping CategoryRewards Value at 1RP = 50 paise
IGP.com10X13.3%
Amazon5X6.6%
Flights5X6.6%
Hotels10X 13.3%
IRCTC3X3.9%
Redbus5X 6.6%
Instant Voucher5X6.6%
Apple Tresor5X 6.6%
Flipkart3X3.9%
HDFC Bank Regalia and Diners Club Privilege Credit Card: SmartBuy Rewards

Redemption Options

Both Regalia and Diners Club Privilege get the same value when redeeming reward points.

Redemption OptionValue of 1 RP
Smartbuy (Flights/Hotels)50 paise
Airmiles – Intermiles, Singapore Airlines (Krisflyer), Club Vistara0.5 Airmiles
Rewards Catalogue (Including Vouchers)20 paise to 35 paise
Cashback20 paise

Airport Lounge Access

The Regalia has a small edge here. Not only do we get more complimentary lounge accesses, but we also get access via Priority Pass.

HDFC Bank Regalia Credit CardHDFC Bank Diners Club Privilege Credit Card
Lounge Access12 complimentary lounge access within India every year

6 complimentary lounge access outside India every year
12 complimentary airport lounge access in a year

Which card is better – Regalia vs Diners Club Privilege?

When to choose HDFC Bank Regalia credit card?

  • If your offline spending is significant. Diners Club acceptance is still not good, especially outside metro cities
  • If you are planning to travel outside India. Visa/Mastercard has a higher acceptance than Diners Club
  • The target is to upgrade to Infinia in the future

When to choose HDFC Bank Diners Club Privilege credit card?

  • Spends at Diners Club 10X partner brands are significant
  • Most spends are online as in this case acceptance is pretty good
  • The target is to upgrade to Diners Club Black in the future
Axis Bank My Zone Credit Card LTF
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