HDFC Bank Diners Club Privilege Credit Card vs HDFC Bank Regalia Gold Credit Card
Last verified 20 Oct 2026 · how we compare
Side by side
| Feature | HDFC Bank Diners Club Privilege Credit Card | HDFC Bank Regalia Gold Credit Card |
|---|---|---|
| Issuer | HDFC Bank | HDFC Bank |
| Joining fee | ₹1,000 | ₹2,500 |
| Annual fee | ₹1,000 | ₹2,500 |
| Fee waiver | Renewal fee waived if you spend ₹3 lakh or more in the year before your renewal date (cash withdrawals and balance transfers don't count). No joining fee waiver is offered. Spend ₹75,000 in the first 90 days to get a year of Swiggy One and Times Prime. | Renewal fee waived if you spend ₹4 lakh or more in the 12 billing cycles before your renewal date. No joining fee waiver is offered. |
| Everyday spends (value back) | – | 1.25% |
| Online shopping (value back) | – | 1.25% |
| Fuel (value back) | 0% | 0% |
| Groceries (value back) | – | 1.25% |
| Travel (value back) | – | 1.25% |
| Bills and utilities (value back) | – | 1.25% |
| Dining and food delivery (value back) | – | 1.25% |
| Rewards in short | 4 reward points per ₹200: about 1% back if you use the points for flights and hotels on HDFC SmartBuy (₹0.50 a point), less for catalogue products (up to ₹0.35 a point) and 0.4% as statement credit (₹0.20 a point). 5 times the points on Swiggy and Zomato food orders (about 5%), with the extra points capped at 2,500 a month. A ₹1,500 voucher each calendar quarter you spend ₹1.5 lakh, and buy-one-get-one BookMyShow tickets for Friday to Sunday shows (up to ₹250 off a ticket, 2 free tickets a month). Fuel, rent, wallet loads, EMI and government payments earn nothing. We haven't confirmed HDFC's point values for this card on its own page yet, so we don't show a % rate. | 5 reward points per ₹200: about 1.25% back if you use the points for flights and hotels on HDFC SmartBuy (₹0.50 a point), or 0.375% as statement credit (₹0.15 a point). 5X points at Myntra, Nykaa, Reliance Digital and Marks & Spencer. Fuel, rent, wallet loads and government payments earn nothing. |
| Works on UPI | No | No |
| Airport lounge | Spend ₹60,000 in a calendar quarter to unlock 3 airport lounge vouchers (2 in India, 1 abroad), claimed on HDFC SmartBuy and valid for 180 days at listed lounges, so up to 8 visits in India and 4 abroad a year. Primary cardholder only; no free visits without the spend. | 12 domestic lounge visits a year (3 a calendar quarter), unlocked each quarter by spending ₹60,000 in the previous calendar quarter; 6 international visits a year outside India through Priority Pass with no spend condition (ask HDFC Bank for the Priority Pass card). |
| Forex markup | 3.5% | 2% |
| Fuel surcharge waiver | No fuel surcharge waiver. Fuel earns no points, and HDFC Bank charges a 1% fee on single fuel transactions above ₹15,000. | No fuel surcharge waiver is listed for this card, and fuel earns no points. A 1% fee applies to single fuel transactions above ₹15,000. |
| Card network | Diners Club | Not published by the bank |
| Minimum income (salaried) | ₹35,000 a month | ₹1,50,000 a month |
Value back is the % of spend you get at the bank's published redemption value. “–” means the bank doesn't publish it. Fees exclude GST.
Which one to pick
Pick the HDFC Bank Diners Club Privilege Credit Card if
you earn ₹35,000 to ₹1.5 lakh a month, or order on Swiggy and Zomato and book weekend movies
₹1,000 joining, ₹1,000 a year
Pick the HDFC Bank Regalia Gold Credit Card if
you qualify on income, travel abroad and want lounge visits abroad without a spend condition
₹2,500 joining, ₹2,500 a year
CreditParakh is not a bank or lender. Approval, limits and final terms are decided by the issuer.
Questions people ask
Which earns more, Diners Privilege or Regalia Gold?
Regalia Gold earns more points on most spends: 5 per ₹200 against Diners Privilege's 4, and it's worth about 1.25% at ₹0.50 a point on SmartBuy flights and hotels. We don't show a % for Diners Privilege yet because we haven't confirmed HDFC's point value for it on the card's own page. Diners Privilege earns 5 times the points on Swiggy and Zomato orders, with the extra points capped at 2,500 a month. Both earn on utility and telecom bills up to 2,000 points a month each, and neither earns on fuel, rent or wallet loads.
Which has better lounge access?
Regalia Gold: 3 domestic visits a calendar quarter, each unlocked by ₹60,000 of spend in the previous quarter, and 6 international Priority Pass visits a year with no spend condition. Diners Privilege gives nothing without spend: ₹60,000 of spend in a calendar quarter unlocks 3 lounge vouchers (2 in India, 1 abroad), claimed on SmartBuy, so up to 8 visits in India and 4 abroad a year, for the primary cardholder only.
Who can get each card?
Diners Privilege: salaried Indian nationals aged 21 to 60 with a monthly income above ₹35,000, or self-employed aged 21 to 65 with an IT return above ₹6 lakh a year; it isn't offered to students. Regalia Gold: salaried aged 21 to 60 with a gross monthly income above ₹1.5 lakh (above ₹1 lakh for government employees), or self-employed aged 21 to 65 with an IT return above ₹18 lakh. HDFC's pages use both gross and net for these figures, so confirm with the bank.
Which is better for spending abroad?
Regalia Gold: its forex markup is 2%, against Diners Privilege's 3.5%, and its 6 international lounge visits a year need no spend. Diners Privilege's visits abroad come as 1 voucher a quarter, only after ₹60,000 of quarterly spend.
Full details: HDFC Bank Diners Club Privilege Credit Card · HDFC Bank Regalia Gold Credit Card · find the card that fits your spending
Last verified 20 Oct 2026 on each issuer's official page. Fees and rewards change; check the issuer's terms before you apply.