HDFC Diners Club Black vs HDFC Regalia Gold
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
HDFC Regalia Gold wins 6-3. Mid-tier travel + dining without the Diners Black 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 Gold |
|---|---|---|
| Annual fee | · ₹10,000 | ₹2,500 |
| Joining fee | · ₹10,000 | ₹2,500 |
| Top reward rate | 33% (travel) | · 25% (travel) |
| Base reward rate | · 3.3% | 4% |
| Forex markup | 1.99% | · 2% |
| Welcome bonus | = Annual fee waiver + 10,000 reward points | = 2,500 reward points + ₹1,500 Marriott / Cult.fit voucher |
| Fee waiver threshold | · ₹500,000 / yr | ₹400,000 / yr |
| Min income | · ₹1,750,000 | ₹1,200,000 |
| Min credit score | · 800 | 770 |
| Editorial rating | 4.8/5 | · 4.6/5 |
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 Gold
- 5x reward points on travel + dining via SmartBuy
- 4 complimentary international lounge visits per year (Priority Pass)
- 12 complimentary domestic lounge visits per year
- Annual memberships: Club Vistara Silver, MMT Black Elite
- Low forex markup: 2%
- Milestone benefits at ₹1.5L, ₹3L and ₹4L spend
FAQ
›HDFC Diners Club Black vs HDFC Regalia Gold: which is better?
HDFC Regalia Gold wins on more dimensions (6 vs 3). 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 Gold 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 Gold: 2,500 reward points + ₹1,500 Marriott / Cult.fit voucher.