HDFC Bank Regalia Credit Card vs HDFC Bank Diners Club Privilege Credit CardHDFC Bank Regalia Credit Card vs HDFC Bank Diners Club Privilege Credit Card

HDFC Bank Regalia vs HDFC Bank Diners Club Privilege Credit Card

The HDFC Bank Regalia Credit Card and HDFC Bank Diners Club Privilege Credit Cards are top-tier choices in the credit card realm, specifically designed to meet the sophisticated requirements of high-end customers. Tailored for individuals in the upper echelons of society, these cards ensure top-notch services and rewards. Both credit cards offer a variety of unique deals tailored towards travel and lifestyle expenses.

The HDFC Bank Regalia Credit Card stands out as a symbol of sophistication, providing more than just bonus reward points upon enrollment. It presents exclusive offers tailored for travel and lifestyle expenses, making it perfect for individuals who value luxury in dining and travel experiences. Notably, this card boasts reasonable fees, setting it apart from others in its class. Cardholders enjoy complimentary access to both international and domestic lounges, along with a Priority Pass Membership, enhancing their travel experiences. Moreover, everyday expenses contribute towards earning reward points, adding further value to the card.

Conversely, the HDFC Bank Diners Club Privilege Credit Card stands out with its outstanding lifestyle perks, positioning itself as a premier choice. Apart from providing complimentary memberships for Zomato Pro, Amazon Prime, and MakeMyTrip, cardholders accumulate reward points on their expenses. Ideal for frequent flyers, the card features a minimal foreign currency conversion fee of 1.99%, promoting savings on overseas journeys. Additionally, it offers boosted rewards for dining out on weekends, adding to its allure. These accrued points can be used for various redemptions such as flights, accommodations, merchandise, vouchers, and cash.

Features and Benefits of HDFC Bank Regalia Credit Card and HDFC Bank Diners Club Privilege Credit Card

HDFC Bank Regalia Credit Card:

  1. HDFC Bank offers an exclusive premium credit card with a membership fee of Rs. 2,500.
  2. Enjoy abundant rewards points when using your card for purchases, complemented by exclusive welcome perks.
  3. Enjoy savings on meals out, free access to both local and global airport lounges, Priority Pass privileges, and additional perks.
  4. Upon the successful payment of the joining fee, you’ll receive a welcoming gift of 2,500 bonus reward points.
  5. Earn 4 Reward Points for every Rs. 150 spent on purchases, excluding transactions involving fuel, EasyEMI, and Wallet Transactions.
  6. Reward points on insurance transactions capped at 2,000 in a day.
  7. You receive a total of 12 free passes to domestic lounges every year, with a restriction of using up to 3 passes per quarter.
  8. Complimentary Priority Pass Membership and 6 international lounge visits.
  9. 25% discount on dining bills at partnered restaurants with a spend of Rs. 75,000.
  10. Earn 10,000 Reward Points as a milestone bonus when your spending surpasses Rs. 5 Lakhs within an anniversary year.
  11. Buy 1 get 1 offer in over 200 restaurants, 5% off, and no convenience charges.
  12. A 1% discount on fuel surcharge is applicable for transactions ranging from Rs. 400 to Rs. 5,000.
  13. Earn an extra 5,000 Reward Points when you reach expenditures totaling Rs. 8 Lakhs within a single anniversary year.
  14. Low foreign currency markup fee of 2% for international transactions.
  15. You can avoid paying the renewal fee if you spend Rs. 3 Lakhs or above during the anniversary year.
  16. Utilize your Reward Points through the Smartbuy portal to access a diverse array of options for redemption.

HDFC Bank Diners Club Privilege Credit Card:

  1. Classy credit card by HDFC Bank with a joining fee of Rs. 2,500.
  2. Enjoy the perks of complimentary memberships with Amazon Prime, Zomato Pro, MMT Black, and Times Pro as part of your welcome benefits.
  3. Earn 4 Reward Points for each Rs. 150 you spend, with the opportunity for accelerated rewards of up to 10 times when you shop through SmartBuy.
  4. Earn double reward points when dining out on weekends, with a maximum cap of 500 points per day.
  5. Various benefits for achieving monthly spends of Rs. 40,000.
  6. 12 complimentary domestic and international lounge access annually for both primary and add-on cardholders.
  7. You’re entitled to enjoy eight free rounds of golf annually, with a maximum of two rounds per quarter.
  8. 1% fuel surcharge waiver on transactions of Rs. 400 or more, capped at Rs. 500 monthly.
  9. Low foreign mark-up fee of 2% for international transactions.
  10. Free insurance benefits are provided, which include coverage for air death amounting to Rs. 1 crore.
  11. Utilize your accumulated Reward Points through the SmartBuy portal to book flights, accommodations, and various other services.
  12. Exclusive product catalog for reward redemption, including 70% of the booking value for hotel and flight bookings.

Comparison: HDFC Bank’s Regalia Credit Card Vs Diners Club Privilege Credit Card

HDFC Bank Regalia Credit Card:

1. Joining Fee: Rs. 2,500 + Taxes
2. Welcome Benefits:

  • Become a Club Vistara Silver Tier Member today and enjoy exclusive benefits. With your membership, you’ll receive a complimentary class upgrade voucher along with earning 9 CV Points for every Rs. 100 spent.
  • MMT Black Elite Membership with a 10% discount on selected hotels
  • Avail the Swiggy One and Times Prime annual memberships by making purchases totaling Rs. 75,000 within a 90-day period.

3. Interest Rate: 3.6% per month or 43.2% per year
4. Rewards:

  • 4 RPs on every Rs. 150 on retail, including utilities, insurance, and education (max capped at 2000 RP per month)
  • 20 RPs on every Rs. 150 on Myntra, Marks & Spencers, Reliance Digital, and Nykaa (max capped at 5000 RPs on all brands)
  • 4 RPs on every Rs. 150 spent on retail expenses
  • Get ten times the reward points when you make purchases using the SmartBuy platform.

5. Redemption:

  • 1 RP = Rs. 0.50 for flight/hotel booking with the SmartBuy portal
  • Converting your Reward Points (RP) to Airmiles through Netbanking is at a rate of 1 RP equals 0.50 Airmiles.
  • Each redemption point (RP) holds a value of Rs. 0.35 when exchanged for products or gift vouchers, without any repetition.
  • 1 RP = Rs. 0.65 in the Exclusive Gold catalogue
  • 1 RP = Rs. 0.20 against the card statement balance

6. Dining Benefits: N/A
7. Foreign Exchange Markup: 2% forex markup of the transacted amount
8. Travel:

  • 12 complimentary domestic lounge access in the country
  • You’ll enjoy access to six international lounges worldwide at no extra cost.

9. Golf Benefits: N/A
10. Milestone Benefits:

  • Receive complimentary flight tickets and gift vouchers as rewards when you reach annual and quarterly spending milestones.
  • Vouchers from different brands worth Rs. 1500 upon spending Rs. 1.5 Lakhs in a calendar quarter
  • Flight vouchers worth Rs. 5,000 upon spending Rs. 5 Lakhs
  • Flight vouchers worth Rs. 5,000 upon spending Rs. 7.5 Lakhs
  • When you spend more than Rs. 1.5 Lakh in a quarter, you receive a voucher valued at Rs. 1500 from one of the specified brands.

11. Spend Based Waiver: Receive a waiver on renewal fees by spending Rs. 4 lakhs within a year.
12. Fuel: N/A
13. Cash Advance Fee: 2.5% of the withdrawn amount or a minimum of Rs. 500

HDFC Bank Diners Club Privilege Credit Card:

1. Joining Fee: Rs. 2,500 + Taxes
2. Welcome Benefits:

  • Enrolling in the Club Vistara Silver Tier membership provides you with unique advantages. Upon joining, you’ll gain access to exclusive perks. These include a complimentary class upgrade voucher and the opportunity to earn 9 CV Points for every Rs. 100 spent. This enhances the rewards of your travels, making them even more fulfilling.
  • MMT Black Elite Membership with a 10% discount on selected hotels
  • Upon spending Rs. 75,000 within a span of 90 days, customers are eligible for both Swiggy One and Times Prime annual memberships.

3. Interest Rate: 3.6% per month or 43.2% per year
4. Rewards:

  • 4 RPs on every Rs. 150 on retail, including utilities, insurance, and education (max capped at 2000 RP per month)
  • 20 RPs on every Rs. 150 on Myntra, Marks & Spencers, Reliance Digital, and Nykaa (max capped at 5000 RPs on all brands)
  • 4 RPs on every Rs. 150 spent on retail expenses
  • Earn ten times the reward points when making purchases through the SmartBuy portal.

5. Redemption:

  • 1 RP = Rs. 0.50 for flight/hotel booking with the SmartBuy portal
  • To convert Reward Points (RP) into Airmiles using Netbanking, the conversion rate is 1 RP equals 0.50 Airmiles.
  • One reward point (RP) equals 35 paisa (Rs. 0.35) when redeemed for products or gift vouchers.
  • 1 RP = Rs. 0.65 in the Exclusive Gold catalogue
  • 1 RP = Rs. 0.20 against the card statement balance

6. Dining Benefits: You’ll earn 5 times the reward points when you spend Rs. 150 or more on Swiggy and Zomato. However, the maximum points you can earn per month are capped at 2500.
7. Foreign Exchange Markup: 1.99% of the transacted amount
8. Travel:

  • Enjoy access to eight complimentary airport lounges worldwide.
  • Enjoy the perks of golf with two free rounds every three months.

9. Milestone Benefits:

  • Earn complimentary flight tickets and gift vouchers by reaching annual and quarterly spending milestones.
  • Vouchers from different brands worth Rs. 1500 upon spending Rs. 1.5 Lakhs in a calendar quarter
  • Flight vouchers worth Rs. 5,000 upon spending Rs. 5 Lakhs
  • Flight vouchers worth Rs. 5,000 upon spending Rs. 7.5 Lakhs
  • If you spend more than Rs. 1.5 Lakh within a three-month period, you’ll receive a voucher valued at Rs. 1500 from one of the listed brands.

10. Enjoy the Spend Based Waiver: Your yearly fee is waived when you spend more than Rs. 3 Lakhs within a year.
11. Fuel: 1% fuel surcharge waiver across all fuel stations
12. Cash Advance Fee: 2.5% of the withdrawal amount or a minimum of Rs. 500

Which credit card suits you best?

  1. HDFC Bank offers two premier credit cards: the HDFC Bank Regalia Credit Card and the HDFC Bank Diners Club Privilege Credit Card.
  2. These cards offer comparable advantages and perks, such as rewarding points and additional benefits that add value to the user experience.
  3. Both credit cards have identical joining and renewal fees.
  4. The Regalia Credit Card offers a broader acceptance compared to the Diners Club Privilege Credit Card, which may encounter restrictions at specific merchant locations.
  5. Different types of MasterCard and Visa cards, such as the Regalia Credit Card, are widely accepted across a wide range of stores and establishments.
  6. Customers should carefully assess the individual features and benefits of each credit card before making a decision that aligns with their specific needs and preferences.

Frequently Asked Questions (FAQs)

1. What sets apart the HDFC Bank Regalia Credit Card from the HDFC Bank Diners Club Privilege Credit Card?
Both premium cards offer distinct sets of features, benefits, and acceptance at various merchant outlets. Although they belong to the premium category, they diverge in their offerings and the extent to which they are accepted by merchants.

2. Do these credit cards have similar fees?
Certainly! The HDFC Bank Regalia Credit Card and HDFC Bank Diners Club Privilege Credit Card share the same joining and renewal fees.

3. What are the unique advantages provided upon joining each of these credit card programs?
The perks offered upon joining differ for each card. It’s advisable for potential cardholders to thoroughly examine the unique benefits offered by each card before making a decision.

4. Is there any advantage of one card over the other in terms of acceptance at merchant outlets?
The HDFC Bank Regalia Credit Card, whether MasterCard or Visa, offers broad acceptance across numerous outlets, giving it an edge. Conversely, Diners Club Credit Cards might face restrictions at specific merchants, potentially limiting their utility.

5. How do the reward points and value-added benefits compare between these two credit cards?
Every credit card comes with its own set of rewards and perks, making it crucial for consumers to carefully evaluate these benefits. By thoroughly examining the details of these rewards programs, individuals can select the credit card that aligns most closely with their preferences and needs.

6. Is it possible to utilize the HDFC Bank Diners Club Privilege Credit Card for transactions outside the country?
Certainly! Both credit cards are typically accepted internationally. However, it’s important to note that the acceptance of Diners Club Credit Cards might differ depending on the location. Hence, it’s recommended to verify the acceptance status at your intended destination to avoid any inconvenience.

7. What factors should I consider when deciding between the HDFC Bank Regalia Credit Card and the Diners Club Privilege Credit Card?
Customers should assess their individual needs, preferences, and spending patterns. Consider factors such as acceptance at merchant outlets, joining benefits, and specific features to make an informed decision.

8. Are there any additional features that differentiate these credit cards?
While both credit cards offer high-quality benefits, it’s important to note that their additional features may vary. It’s recommended to thoroughly review the terms and conditions of each card to understand the unique perks associated with them.

9. Can I upgrade or downgrade between these credit cards?
HDFC Bank potentially implements distinct guidelines concerning transitions from one credit card tier to another, whether it involves upgrades or downgrades. It’s recommended to reach out to the bank directly to clarify any queries regarding these possibilities.

10. What are the steps to apply for either the HDFC Bank Regalia Credit Card or the Diners Club Privilege Credit Card without repeating any information?
To apply for these credit cards, you have several avenues available. You can submit your application online through the HDFC Bank website, personally visit any of their branches, or contact their customer service team for assistance. Make sure to gather all necessary documents and verify that you meet the eligibility criteria before applying.

Leave a Reply

Your email address will not be published. Required fields are marked *