HDFC Regalia Credit Card vs HDFC Diners Club Premium Credit CardHDFC Regalia Credit Card vs HDFC Diners Club Premium Credit Card

HDFC Regalia vs HDFC Diners Club Premium Credit Card

HDFC Bank offers two prominent mid-tier lifestyle credit cards: the HDFC Regalia Credit Card and the HDFC Bank Diners Club Premium Credit Card. The Regalia Card is highly favored within the Indian credit card landscape, while the Diners Club Premium Card, although not as widely accepted, mirrors the Regalia in its array of features and benefits. Both cards offer attractive rewards, including a reward rate of up to 1.33% on everyday expenditures and a lucrative 10x reward rate on SmartBuy purchases. Notably, both cards come with an identical annual fee of Rs. 2,500 per year.

Features and Benefits of HDFC Regalia Credit Card and HDFC Diners Club Premium Credit Card

HDFC Regalia Credit Card:

  • Membership Fee: Rs. 2,500
  • Welcome Bonus: 2,500 Reward Points on joining and upon yearly renewal
  • Rewards: 4 Points/Rs. 150 spent; Milestone benefits on spending Rs. 5 lacs and Rs. 8 lacs
  • Redemption: Earned points can be redeemed for various options including flights, hotel stays, products, or to offset your statement balance.
  • Lounge Access: 12 domestic, 6 international per year
  • Dineout Passport: Complimentary membership on spending Rs. 75,000 in a quarter
  • Forex Mark-up: 2% vs. standard 3.5%
  • Insurance: Covers including air accident, overseas hospitalization, lost card liability
  • Concierge: 24×7 service for bookings and assistance
  • Renewal Fee Waiver: On minimum annual spend of Rs. 3 lacs
  • Eligibility: Salaried (Income: Min Rs. 1 lac/month, Age: 21-60); Self-Employed (Income: Min Rs. 12 lacs/annum, Age: 21-65)

HDFC Diners Club Premium Credit Card:

  • Membership Fee: Rs. 2,500
  • Welcome Bonus: 2,500 Reward Points
  • Rewards: Earn 4 points for every Rs. 150 spent, with the opportunity to receive up to 10 times the points when using SmartBuy.
  • Redemption: Points for flights, hotels, products, or cashback
  • Forex Mark-up: Lower 2%
  • Insurance: Extensive protection is provided, encompassing a wide range of scenarios such as air accidents, medical emergencies, delays or loss of baggage, and liability related to credit issues.
  • Lounge Access: 6 complimentary airport visits globally
  • Concierge: 24×7 service for bookings and travel assistance
  • Fee Waiver: On annual spend of Rs. 3 lacs
  • Eligibility: Salaried (Income: Min Rs. 60,000/month); Self-Employed (Income: Min Rs. 7.2 lacs/annum)

Comparison between HDFC Regalia Credit Card and HDFC Diners Club Premium Credit Card

HDFC Regalia Credit Card:

  • Reward Rate: Earn 4 Reward Points for every Rs. 150 spent on regular purchases. Additionally, enjoy up to a 10x boost in Reward Points when you shop through SmartBuy.
  • Redemption: Varied options, including flights, hotels, products, vouchers, and statement balance adjustment.
  • Welcome/Renewal Benefits: Upon enrollment or renewal, you’ll receive 2,500 Reward Points, contingent upon payment of applicable fees.
  • Milestone Benefits: Receive 10,000 Reward Points upon spending more than Rs. 5 lakhs.

HDFC Diners Club Premium Credit Card:

  • Reward Rate: Same as Regalia Credit Card.
  • Redemption: Similar monetary value as Regalia.
  • Welcome/Renewal Benefits: Mirrors Regalia benefits.
  • Milestone Benefits: N/A.

Additional Benefits:

  • Regalia: 12 domestic airport lounge access, 8 international with Priority Pass.
  • Diners Club: Enjoy the perk of accessing airport lounges worldwide up to six times each year.

Membership Fee:

  • Rs. 2,500 per annum, waived on annual spends of Rs. 3 lacs for both cards.

Eligibility:

  • Regalia: Minimum income of Rs. 70,000 per month (salaried) or Rs. 8,40,000 per annum (self-employed).
  • Diners Club: Monthly income of Rs. 60,000 for salaried, Rs. 7.2 lacs annual income for self-employed. Age criteria for both.

Which credit card suits you best?

  1. The HDFC Regalia Credit Card and HDFC Diners Club Premium Credit Card offer comparable features and benefits, showing significant overlap in their offerings.
  2. Both cards have an annual membership fee of Rs. 2,500.
  3. The main difference between the two lies in their airport lounge access perks. With the Regalia card, you get 12 domestic and 8 international lounge visits each year, while the Diners Club Premium card offers 6 complimentary lounge visits annually.

Frequently Asked Questions (FAQs)

Q1: What are the main commonalities shared between the HDFC Regalia and HDFC Diners Club Premium Credit Cards?

A: Both cards possess similar characteristics, including an annual membership fee of Rs. 2,500 and a variety of perks, resulting in comparable costs and advantages for both.

Q2: What distinguishes HDFC Regalia from HDFC Diners Club Premium Credit Card?

A: The main difference is in airport lounge access. Regalia offers 12 domestic and 8 international visits annually, while Diners Club Premium provides 6 complimentary airport lounge visits per year.

Q3: Are the annual fees the same for HDFC Regalia and HDFC Diners Club Premium Credit Cards?

A: Indeed, both cards entail the same annual membership fee, amounting to Rs. 2,500.

Q4: Could you please outline the exclusive privileges for lounge access offered by the HDFC Regalia Credit Card?

A: HDFC Regalia offers cardholders a total of 20 airport lounge visits annually, split between 12 for domestic lounges and 8 for international lounges. This benefit enriches the travel experience for Regalia cardholders, providing convenient access to airport lounges both at home and abroad.

Q5: How many complimentary airport lounge visits does HDFC Diners Club Premium Credit Card offer annually?

A: HDFC Diners Club Premium Credit Card provides 6 complimentary airport lounge visits per year, catering to the cardholder’s travel needs.

Q6: Do these credit cards offer any other exclusive perks besides lounge access?

A: Certainly! Both the HDFC Regalia and HDFC Diners Club Premium Credit Cards provide a diverse range of advantages, such as rewards schemes, savings opportunities, and personalized perks designed to suit the individual’s way of life.

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