Head-to-head · 🇮🇳 India
HDFC Diners Club Black vs HDFC Regalia
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
Premium
HDFC Bank
HDFC Diners Club Black
DINERS CLUB
Wins 4 of 10
IN
HDFC Bank
HDFC Regalia
VISA
Wins 5 of 10
Verdict
HDFC Regalia wins 5-4. Mid-tier travel without the Regalia Gold price tag. HDFC Diners Club Black is still the right call if frequent travelers spending ₹2l+/month.
Side-by-side
| Criterion | HDFC Diners Club Black | HDFC Regalia |
|---|---|---|
| Annual fee | · ₹10,000 | ₹2,500 |
| Joining fee | · ₹10,000 | ₹2,500 |
| Top reward rate | 33% (travel) | · 2.7% (general) |
| Base reward rate | 3.3% | · 2.7% |
| Forex markup | 1.99% | · 2% |
| Welcome bonus | = Annual fee waiver + 10,000 reward points | = 2,500 reward points on first 90-day spend |
| Fee waiver threshold | · ₹500,000 / yr | ₹300,000 / yr |
| Min income | · ₹1,750,000 | ₹1,200,000 |
| Min credit score | · 800 | 770 |
| Editorial rating | 4.8/5 | · 4.3/5 |
Benefits compared
HDFC Diners Club Black
- 10x reward points on SmartBuy partners (flights, hotels)
- 6 complimentary international lounge visits per quarter (Priority Pass)
- Unlimited domestic lounge access
- 2 complimentary golf rounds per month at 280+ courses
- Annual memberships: Amazon Prime, Swiggy One, Disney+ Hotstar, Times Prime
- Low forex markup: 2%
HDFC Regalia
- 4 reward points per ₹150
- 12 domestic + 6 international lounge visits/year
- Low forex markup 2%
- Buy-1-get-1 BookMyShow tickets
- Milestone reward points at ₹1L, ₹5L
FAQ
›HDFC Diners Club Black vs HDFC Regalia: which is better?
HDFC Regalia wins on more dimensions (5 vs 4). But the right answer depends on your specific spending pattern — see the calculator below.
›Can I get both?
Yes — if your credit profile supports it, holding both is the optimal play. Use HDFC Diners Club Black for its best categories, HDFC Regalia for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
HDFC Diners Club Black: Annual fee waiver + 10,000 reward points. HDFC Regalia: 2,500 reward points on first 90-day spend.