HDFC Regalia vs HDFC Diners Black Credit Card

Getting a credit card is a tough decision to make and tougher to choose a credit card issuer among various issuers. HDFC Bank is one of the leading credit card issuers in the Indian market. It has a wide range of credit cards covering every category that a customer can possibly ask for. We have covered the top two credit cards by HDFC Bank in this article, namely, HDFC Regalia and HDFC Diners Black credit cards. Here below are the key features and benefits of these two credit cards in order to make you understand how are they different from each other. Keep reading to kick start your research.

HDFC Regalia Credit Card

This credit card is one of the famous credit cards offered by the HDFC Bank. With an HDFC Regalia credit card, you get to enjoy the shopping as well as travel benefits along with the other features and benefits. Here are the key highlights of this credit card.

Joining fee: Rs. 2,500 plus applicable taxes

Renewal Fee: Rs. 2,500 plus applicable taxes

Spend-based Waiver: The renewal fee will be waived off on spending Rs. 3 lakhs in the previous year.

Features and Benefits:

• As a welcome benefit, you get 2,500 bonus reward points on this credit card.
• Earn 4 reward points on every Rs. 150 spent using this card.
• Enjoy 12 complimentary domestic airports and 6 international airport lounge access every year.
• Get Dine-out passport membership under which you can enjoy exclusive discounts and offers on dining.
• Enjoy a low foreign markup fee of 2% with this credit card.
• Get comprehensive insurance covers.
• Get a 1% fuel surcharge waiver on fuel transactions of a minimum of Rs. 400 at all fuel stations.

HDFC Diners Black Credit Card

This one is a super-premium credit card offered by the HDFC Bank. You get to enjoy the shopping, travel, and dining benefits, and moreover low finance and foreign markup charges on the HDFC Diners Black credit card. Hereunder are the prominent features and benefits of this credit card.

Joining fee: Rs. 10,000 plus applicable taxes

Renewal Fee: Rs. 10,000 plus applicable taxes

Spend-based Waiver: The renewal fee will be waived off on spending Rs. 5 lakhs in the previous year.

Features and Benefits:

• As a welcome offer enjoy complimentary Club Marriott membership, Amazon Prime membership, Zomato Gold membership and so on.
• Earn 5 reward points on every Rs. 150 spent using this credit card and accelerated reward points (10x) on shopping from SmartBuy Portal.
• Earn 2x reward points on weekend dining.
• Enjoy unlimited complimentary domestic and international lounge access.
• Enjoy 6 complimentary golf games per quarter with this credit card.
• Get a comprehensive insurance cover.
• Enjoy a low finance charge of 1.99% and a low foreign markup fee of 1.99%.
• Get a 1% fuel surcharge waiver on fuel transactions worth Rs. 400 at all fuel stations.

Bottom Line:

To conclude, both credit cards are commendable. Analyze your spending habits and needs and then choose a credit card that matches them. In order to keep enjoying their features and benefits remember to adhere to the credit card repayment cycles and maintain a low credit utilisation ratio.

Additional Reading - How To Choose The Right Credit Card For You?