The HDFC Bank Regalia and Diners Club Privilege credit cards are two of the most popular offerings from the bank. While the Regalia card has been around for nearly a decade, the Diners Club Privilege is a newer addition. The primary distinction between these cards lies in their platforms: Regalia is part of the Visa/Mastercard network, while the Privilege card operates on the Diners Club network. Additionally, HDFC Bank typically allows only one core credit card per customer. So, which card should you choose if both are available to you? Here’s a comparison of the HDFC Bank Regalia vs Diners Club Privilege credit card to help you make an informed decision.
Fees
| HDFC Bank Regalia Credit Card | HDFC Bank Diners Privilege Credit Card | |
|---|---|---|
| Joining/Annual Fee | Rs 2500+GST but issued LTF in most cases | Rs 1000+GST but issued LTF in most cases |
| Welcome Benefit | 2500 Reward Points if the joining fee is paid | Complimentary annual memberships of Swiggy One and Times Prime on Rs 75,000 spend within 90 days of card issuance |
| Annual Fee Waiver | Rs 3 Lakh spend in a membership year | Rs 3 Lakh spend in a membership year |
| Renewal Benefit | 2500 Reward Points if the renewal fee is paid | None |
Rewards
| Category | HDFC Bank Regalia Credit Card | HDFC Bank Diners Club Privilege Credit Card |
|---|---|---|
| Base Rewards | 4 RP/Rs 150 ~1.3% | 4 RP/Rs 150 ~1.3% |
| Swiggy & Zomato Spends | 4 RP/Rs 150 ~1.3% | 20 RP/Rs 150 ~6.5% Additional 4X RP is capped at 2500 reward points every calendar month |
| Wallet Loads, Rent, Property Management, Packers & Movers, Government Transactions | No Rewards | No Rewards |
| Milestone Rewards | Bonus 10,000 RP on Rs 5 Lakh spends in a membership year Additional 5,000 RP on Rs 8 Lakh spends in a membership year | Rs 1500 GV of Marriott Experience or Decathlon or Barbeque Nation on O2 Spa or Lakme Salon on spends of Rs 1.5 Lakh in a calendar quarter |
SmartBuy Rewards
Both the Regalia and Diners Club Privilege credit cards offer the same benefits on SmartBuy. The bonus reward points cap is set at 4,000 points per calendar month and 2,000 points per day.
| Shopping Category | Rewards | Value at 1RP = 50 paise |
|---|---|---|
| IGP.com | 10X | 13.3% |
| Flights | 5X | 6.6% |
| Hotels | 10X | 13.3% |
| IRCTC | 3X | 3.9% |
| Redbus | 5X | 6.6% |
| Instant Voucher | 5X | 6.6% |
| Apple Imagine Tresor | 5X | 6.6% |
| Zoom Car | 5X | 6.6% |
| Nykaa | 5X | 6.6% |
| Myntra | 5X | 6.6% |
| Jockey | 10X | 13.3% |
| MMT Holiday Packages | 5X | 6.6% |
| Pharmeasy | 10X | 13.3% |
Redemption Options
Both Regalia and Diners Club Privilege offer the same value when redeeming reward points.
| Redemption Option | Value of 1 RP |
|---|---|
| Smartbuy (Flights/Hotels) | 50 paise |
| Airmiles – Intermiles, Singapore Airlines (Krisflyer), Club Vistara | 0.5 Airmiles |
| Rewards Catalogue (Including Vouchers) | 20 paise to 35 paise |
| Cashback | 20 paise |
Airport Lounge Access
The Regalia has a slight advantage here. It offers more complimentary lounge accesses and also provides access through Priority Pass.
| HDFC Bank Regalia Credit Card | HDFC Bank Diners Club Privilege Credit Card | |
|---|---|---|
| Lounge Access | 12 complimentary lounge visits to domestic airport lounges 6 complimentary lounge access to international airport lounges | 8 complimentary airport lounge visits to domestic and international airport lounges |
Features exclusive to HDFC Bank Diners Club Privilege Credit Card
The Diners Privilege credit card also has a few benefits that are not available on the Regalia credit card.
- BookMyShow BOGO Offer: Buy 1 Get 1 Free on movie/non-movie tickets via BookMyShow.
- This is applicable for shows on Friday, Saturday and Sunday and can be booked on any day.
- The maximum discount is capped at Rs 250 per ticket and this can be availed twice per calendar month.
Which card is better – HDFC Bank 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
- You need a higher amount of complimentary airport lounge visits
When to choose HDFC Bank Diners Club Privilege credit card?
- Most spends are online as in this case acceptance is pretty good
- You need the BookMyShow BOGO offer for weekend movies
