HDFC Regalia vs HDFC Diners Black Credit Card
Last Updated : Feb. 27, 2020, 12:53 p.m.
Credit cards have become a basic necessity for individuals. Nowadays people judge a credit card on the basis of its features rather than fees or credit limits. But sometimes due to almost the same features of two credit cards, they get confused in choosing the best one. One such dilemma is between the HDFC Regalia vs Diners Black Credit Card. Both of these cards have almost the same features and offers. But choosing only one card is a bit difficult. So, first of all, you must see the comparison of both the cards and then decide which card can be more beneficial to fulfil your needs.
Compare Features, Offers and Benefits of HDFC Regalia and HDFC Diners Black cards
| Basis of Difference | HDFC Regalia Credit Card | HDFC Diners Black Credit Card |
|---|---|---|
| Welcome Benefits | - Enjoy a Complimentary Membership of Zomato Gold. - Get a Free Dish at the partnered restaurants on every visit. - Visit the Gold Drink Partnered restaurants and get up to 2 Drinks for free. - To enjoy the above offers you need to spend ₹75000 within 30 days of card issuance. | Enjoy the Free Membership for one year of the following brands. - Zomato Gold - Amazon Prime - Club Marriot - Forbes Digital Subscription - Times Prime - MakeMyTrip Double Black - All the offers activate after making a transaction from the HDFC Diners Black Credit Card. |
| Milestone Benefits | - Reach the Milestone of ₹5 lacs and to earn 10000 reward points. - Spend ₹8 Lacs in a year and get an additional 5000 reward points. | Spend ₹80000 in a month and get 2 vouchers of either OLA or TataCliq or BookMyShow worth ₹500. |
| Lifestyle Benefits | - Enjoy 24X7 Concierge Service Assitance on this credit card. - Enjoy the Good Food Trail Dining Program using this credit card. | - Get discounts at Salons, Spas, and Gyms. - Enjoy 6 Complimentary Golf Games per quarter. - Enjoy 24X7 concierge Service on this card. |
| Earn Reward Points | On every retail expenditure of ₹150 earn 4 reward points. | - On every Retail Expenditure of ₹150 earn 5 Reward Points. - Earn 10X Reward Points on spending at the selected partners. - Dine on weekends and earn 2X Reward Points. |
| Airport Lounge Access | - Enjoy free 12 Airport Lounge Access in a year through this credit card. - Under Priority Program enjoy 6 Complimentary visits to the Lounges outside India. - Visa Cards and Mastercard will charge an authentication fee of ₹2 and ₹25 respectively. | - Get Unlimited free access to the airport lounges present in India and Outside India. - The add-on Cardholder can also enjoy this offer. |
| Insurance Cover | - Air Accident death cover of ₹1 Crore. - Overseas Hospitalisation Cover of up to ₹15 Lacs in case of an emergency. - Insurance of Credit Liability of up to ₹9 Lacs. | - Air Accident Insurance in case of death of ₹2 Crores. - Get a Medical Insurance Cover of up to ₹50 lacs. - Delay in Checkin baggage cover of ₹55000. - Lost of Check-in Baggage Cover of ₹55000. |
| Additional Benefits | - Enjoy a Fuel Surcharge Discount of 1% at all the refilling stations. - The minimum transaction must be of ₹400. - The Maximum transaction must be ₹5000. - No Reward Points will be earned on the fuel expenses. | - Low Foreign Markup fees of 1.99%. - Enjoy an Interest-Free Credit period of 50 days. - This credit card requires a net monthly income of ₹1.75 lacs or an ITR of ₹21 Lacs in a year. |
Comparison of Fee and Waiving off Criteria of Both the Credit Cards
Once you know all the features, it would be easier for you to choose only one credit card. But you must also look at the fees and waiving off criteria of both the credit cards. It might help you to decide the accurate worth and utility of both credit cards.
| Basis of Difference | HDFC Regalia Credit Card | HDFC Diners Black Credit Card |
|---|---|---|
| Annual Joining Fees | ₹2500 + Applicable Taxes | ₹10000 + Applicable Taxes |
| Annual Renewal Fees | ₹2500 + Applicable Taxes | ₹10000 + Applicable Taxes |
| Waiving Off Criteria | Spend ₹3 Lacs in a Year to Waive off the fees. | - Spend ₹5 Lacs in a Year to waive off the renewal fees. - Spend ₹8 Lacs in a year to waive off the joining Fees |
Take Away
Finally, you know all the key points related to both the credit cards. Now you can differentiate between HDFC Regalia Credit Card vs HDFC Diners Black Credit Card. All the above points will help you to decide which card is better. But before choosing any HDFC Credit Card you must analyze your requirements and match it with the features and offers of the card. Choose only that credit card that has similarities with your requirements. Secondly, see your expenditure trends. If you think that your yearly expenditures can meet out the card’s waiving off criteria then you must go with that credit card only. We hope that you have understood the comparison between both the credit cards.