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HDFC Bank Regalia vs Diners Club Privilege Credit Card: A comparison

Pranav Pranav Follow Mar 28, 2020 · 4 mins read · 0 comments
HDFC Bank Regalia vs Diners Club Privilege Credit Card: A comparison

I have been asked umpteen times that between HDFC Bank Regalia and Diners Club Privilege Credit Card, which one is better? Given that both these credit cards target the same premium segment and offer similar reward rate and features, this confusion is quite valid. However there are some subtle differences between the two which set them apart.

In this article I am going to compare these cards in-depth and will articulate the major differences so that you can make an informed choice. So let’s jump right in!

HDFC Regalia vs Diners Club Privilege

HDFC Regalia Diners Club Privilege
Network Visa Signature & MasterCard World Diners Club
Monthly Income for Eligibility Rs. 1.2 Lakhs and above Rs. 40,000 and above
Annual Fee Rs. 2,500 + GST Rs. 2,500 + GST
Spend based annual fee waiver Rs. 3 Lakhs Rs. 3 Lakhs
Welcome Benefit 2,500 reward points & Zomato Gold Membership Yearly Memberships
Renewal Benefit 2,500 reward points Nil
Reward Rate 1.3% 1.3%
10X reward points SmartBuy Portal SmartBuy Portal and partner brands
AirMile transfer partners
  • InterMiles
  • Singapore Airlines (KrisFlyer Miles)
  • InterMiles
  • Singapore Airlines (KrisFlyer Miles)
  • British Airways Executive Club (Avios)
  • Club Vistara
Maxcap on bonus 10X reward points 5,000 on SmartBuy
  • 5,000 on SmartBuy
  • 5,000 on partner brands
Yearly Milestone Benefits
  • 10,000 reward points on annual spends of Rs. 5 Lakhs
  • 5,000 additional reward points on annual spends of Rs. 8 Lakhs
Annual memberships renewed on spending Rs. 5 Lakhs in a year
Monthly Milestone Benefits Nil BookMyShow voucher, TataCLiQ voucher or Ola Select membership worth Rs. 500 on spending Rs. 40,000 in a month
Airport Lounge Access
  • Domestic: 12 per year
  • International: 6 per year
12 per year including domestic and international
Airport Lounges in network 1300+ 1000+
Complimentary Golf games Nil 2 Complimentary Golf games (Green fee waiver) per quarter
Revolving Credit Charges 3.49% 3.49%
Cash Advance Charges 2.5% of amount withdrawn or Rs. 500, whichever is higher 2.5% of amount withdrawn or Rs. 500, whichever is higher
Late Payment Charges Up to Rs. 950 Up to Rs. 950
Overlimit Charges 2.5% of overlimit amount, minimum Rs. 500 2.5% of overlimit amount, minimum Rs. 500
Forex Markup 2% + GST 1.99% + GST
24/7 Concierge Available Available
Credit Shield Rs. 9 Lakhs Rs. 9 Lakhs
Air Accidental Death Coverage Rs. 1 Crore Rs. 1 Crore
Emergency Overseas Hospitalization Coverage Rs. 15 Lakhs Rs. 25 Lakhs
Travel Insurance Cover Nil Rs. 55,000 on baggage delay
Domestic Acceptance Excellent Very Good (~95%)
International Acceptance Excellent Good (~75%)


It’s evident from above comparison chart that Diners Club Privilege had little edge over Regalia in terms of features and rewards. Extra 10X partners and monthly milestone benefit push the reward rate beyond 1.3%. Access to complimentary Golf games twice per quarter will entice the Golf lovers. The annual memberships really come in handy and can save you some extra money.

However the acceptance of Diners Club Cards is questionable, especially international. If you travel internationally a lot, you may face issues with acceptance of Diners Club cards. Also, even though both cards have forex markup of ~2%, Visa/MasterCard has superior conversion rate (~1%) in comparison to Diners Club. Hence stick with Regalia if you travel a lot and want better acceptance.

What is your take on HDFC Bank Regalia and Diners Club Privilege Credit Cards? If you have to choose, which one would you go for? Let me know in comments below.

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Written by Pranav Follow
Hi, I am Pranav! I love to acquire, review and earn reward points/cashback from Credit Cards. Guiding people about benefits and optimal utilization of credit cards for years.
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