By: Our Money Guide || May 5, 2025
HDFC Regalia Gold Credit Card and HDFC Diners Club Privilege Credit Card are two popular premium credit cards in India. In this article, we provide a simple comparison of these two cards-
Annual Fee
- Diners Club Privilege: ₹1,000 (waived if you spend ₹3 lakhs in the previous year).
- Regalia Gold: ₹2,500 (waived if you spend ₹4 lakhs in the previous year).
Welcome Offers
- Diners Club Privilege: Complimentary memberships of Swiggy One and Times Prime.
- Regalia Gold: ₹2,500 gift voucher on joining, complimentary Swiggy One membership and MMT Black Gold Membership, on spending ₹1 lakh or more within 90 days of card issuance.
Minimum Income Eligibility
Diners Club Privilege:
- Salaried: ₹35,000 per month.
- Self-employed: ₹6 lakhs per year.
Regalia Gold:
- Salaried : ₹1.50 lakh per month
- Self-employed : ₹18 lakhs per year (in ITR)
- Government employees (salaried): ₹1 lakh per month
Rewards on Card Spending
Diners Club Privilege:
- 10X (13.3% Reward): Hotels, Jockey, Pharmeasy, IGP.
- 5X (6.6% Reward): Flights, Bus tickets, MMT holiday packages, Variety of Gift vouchers, Apple, Myntra, Nykaa, Zoom Car.
- 3X (4% Reward): Train tickets through IRCTC.
- Regular (1.3% Reward) on all other card spends.
Regalia Gold:
- 10X (17.3% Reward): Hotels, Jockey, Pharmeasy, IGP.
- 5X (8.6% Reward): Flights, Bus tickets, MMT holiday packages, Variety of Gift vouchers, Apple, Myntra, Nykaa, Zoom Car.
- 3X (5.2% Reward): Train tickets through IRCTC.
- Regular (1.7% Reward) on all other card spends.
Limits/ restrictions on 3X-10X accelerated rewards: 4000 accelerated reward points per month, which you reach at monthly card spends between ₹16,666 and ₹75000.
Higher rewards on Regalia Gold are only available if you redeem reward points on the exclusive Regalia catalog. On other redemption options (flights, hotel, vouchers, products, cashback), rewards offered are the same.
For more details, read Our Money Guide's review of the HDFC Regalia Gold Credit Card, and the review of the HDFC Diners Club Privilge Credit Card.
Airport Lounge Access
Diners Club Privilege:
- Complimentary worldwide airport lounge access (8 times per year, maximum 2 times per quarter).
Regalia Gold:
- Complimentary access to domestic lounges (12 times per year) and international lounges (6 times per year).
Additional Benefits
Diners Club Privilege:
- Buy 1 Get 1 Free on weekend tickets via BookMyShow (2 free tickets up to ₹250 each, every month).
- Insurance: ₹25 lakhs for overseas hospitalization, ₹1 crore accidental death cover.
Regalia Gold:
- Insurance: ₹15 lakhs for overseas hospitalization, ₹1 crore accidental death cover.
Foreign Exchange Markup
Diners Club Privilege:
- 3.50% fee on international transactions.
Regalia Gold:
- 2% fee on international transactions.
Regalia Gold has a lower forex fee on international card transactions.
Main Differences:
- Rewards: Regalia Gold offers higher rewards, only if you redeem reward points on the exclusive Regalia catalog.
- Airport Lounge Access: Regalia Gold provides better lounge access, especially on domestic lounges.
- Additional Perks: Diners Club Privilege has more lifestyle-related benefits like movie offers and broader insurance coverage.
- Foreign Exchange Markup: Regalia Gold has a lower forex fee on international transactions, making it more attractive for those who travel abroad frequently
- Income Criteria: Diners Club Privilege has a lower minimum income requirement, making it more accessible.
- Annual fee: Diners Club Privilege has a lower annual fee, making it more affordable
Both cards are good options for frequent travelers and those looking to maximize rewards. Regalia Gold is better for those with higher incomes who want lower forex fee, better rewards and domestic airport lounge access, while Diners Club Privilege is a good choice for those seeking slightly lower rewards at a lower annual fee and lower income requirement.
See some of India's best premium and super-premium credit cards here.
