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Comparison · हिन्दी

HDFC Regalia vs HDFC Diners Club Privilege

Both cards compared on real rupee returns for best HDFC premium credit card India Regalia vs Diners Privilege. We ran the numbers so you can make the right call.

Last updated: August 2026 · Based on current card terms
HDFC
REGALIA
ASHOK KUMAR
VS
HDFC
DINERS CLUB PR
ASHOK KUMAR
Our verdict
HDFC Regalia Credit Card wins for most people
Card A wins with ₹3,440 annual benefit versus Card B's ₹1,760. Its superior reward structure and fee waiver at ₹3L spend justify the higher annual cost for this balanced spend profile.
Side-by-side comparison
HDFC Regalia Credit Card ✓ HDFC Diners Club Privilege Credit Card
Annual benefit ₹3,440 ₹1,760
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → ₹2,500 + taxes (waived on ₹3L spend) ₹1,000 + taxes (waived on ₹3,00,000/year spend)
Reward rateCashback pays you directly in rupees; reward points need converting first, and their real value depends on the redemption ratio.Full definition → 4 reward points per ₹150 spent; 2X on dining and international 5X reward points on Swiggy and Zomato (2.5%); 4 RP per ₹200 on all others (0.5% from May 2026); up to 10X on SmartBuy
Lounge accessFree entry to airport lounges, usually limited to a set number of visits per quarter or year.Full definition → 12 visits/year (domestic + international) 2 domestic + 1 international per quarter (on ₹60,000/quarter spend from Jul 2026)
Forex markupThe extra fee your bank adds on top of the real exchange rate for any spend in a foreign currency.Full definition → 2% 3.5%
Best for Premium rewards and lounge access Entry-level premium card with food delivery rewards, BOGO movies and lounge access at minimal fee
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → ₹6L+ per year ₹30,000/month (salaried)
Credit scoreYour 3-digit credit score (300-900), higher scores make approval easier and can unlock better cards.Full definition → 750+ 700+
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When each card wins
HDFC Regalia Credit Card
Choose Card A when you consistently spend ₹3L+ annually to waive the fee, maximizing its higher reward rate of 4 RP per ₹150 across categories and doubled dining rewards.
HDFC Diners Club Privilege Credit Card
Card B suits those seeking minimal annual fees (₹1,000) and strong food delivery rewards, though its lower base rewards (0.5%) and tighter fee waiver make it less valuable for this spend.
Who should get which card
Get HDFC Regalia if you…
· Spending ₹3L+ annually to waive ₹2,500 fee
· Value balanced rewards across shopping, dining, and travel
· Want premium lounge access and international travel benefits
Get HDFC Diners Club Privilege if you…
· Frequent Swiggy and Zomato users seeking 2.5% cashback
· Budget-conscious with ₹1,000 annual fee tolerance
· Prefer movie offers and basic premium features at lower cost
Partner offer
Axis ACE Credit Card
Utility bill payments and everyday flat cashback
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AXIS
ASHOK KUMAR

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Related guides
HDFC Diners Club Privilege vs SBI Card PRIME →HDFC Regalia vs SBI Card ELITE →HDFC Regalia vs Axis Magnus →HDFC Regalia vs HDFC Regalia Gold →Best Dining Credit Cards →Best Travel Credit Cards →Best Shopping Credit Cards →
Frequently asked questions
Based on our analysis, HDFC Regalia Credit Card offers better annual returns for most spend profiles.
HDFC Regalia Credit Card has an annual fee of ₹2,500 + taxes (waived on ₹3L spend). HDFC Diners Club Privilege Credit Card has an annual fee of ₹1,000 + taxes (waived on ₹3,00,000/year spend).
HDFC Regalia Credit Card offers 4 reward points per ₹150 spent; 2X on dining and international. HDFC Diners Club Privilege Credit Card offers 5X reward points on Swiggy and Zomato (2.5%); 4 RP per ₹200 on all others (0.5% from May 2026); up to 10X on SmartBuy.
HDFC Regalia Credit Card lounge access: 12 visits/year (domestic + international). HDFC Diners Club Privilege Credit Card lounge access: 2 domestic + 1 international per quarter (on ₹60,000/quarter spend from Jul 2026).
HDFC Regalia Credit Card charges 2% forex markup. HDFC Diners Club Privilege Credit Card charges 3.5% forex markup.