HDFC Bank Regalia vs Diners Club Privilege Credit Card: In the competitive landscape of premium credit cards in India, HDFC banks have two flagship offers – Regalia and Diner Club privileges.
Both cards are aimed at wealthy customers looking for benefits of high quality, but differ greatly in their reward structure, benefits and total value promises.
If you’re torn between these two premium options, this comprehensive comparison will help you make well-discovered decisions based on your lifestyle and patterns.
Table of Contents
Annual Fees and Welcome Benefits
The HDFC Bank Regalia is equipped with an annual 2,500 distributed if the annual edition exceeds Cross 3 lakh. When active, you receive 1,000 points worth around 1,000 points, effectively reducing your commitment in the first year.
A diner club privilege, which is slightly higher in the premium segment, has an annual fee of 2,500 TX tax. This fee is distributed to spend 5 lakh of expenses each year.
The welcome service includes 1,000 reward points and a free airport access voucher.
Reward Structure and Point Value
These cards really distinguish themselves in the reward system. Regalia offers four reward points per 150, which is spent on regular purchases, leading to a reward rate of around 2.67%. Each reward is about 1 when redeemed through HDFC’s SmartBuy portal via travel books.
Diners Club Privilege offers a more generous revenue structure with 5 reward points per 150 issued, resulting in a reward rate of around 3.33%. What makes
Diners Club more attractive is its reward points 10 times more than certain dealer categories via HDFC SmartBuy, which can significantly increase your revenue. Each reward point contains the same value as approximately 1 shelf.
Travel Benefits: Where Both Cards Glow
Both cards offer free access to domestic and international airport lounges, a standard feature in the Premium Credit Cardboard segment. Regalia offers eight free domestic lounge visits per year and two international lounge visits through priority pass membership.
Diners Club privileges are suitable for frequent travelers, with 12 domestic and 4 international lounge visits each year.
Additionally, both maps offer free free card cards, travel insurance and concierge services, but the amount of cover in favour of the diner club varies slightly.
Dining and Lifestyle Benefits
Both cards offer restaurant privileges, but there are amazing differences. Regalia offers 15% discounts at selected restaurants across India, while Diners Club Privilege offers a more comprehensive “Buy 1 Offer 1” offer for movie cards, restaurants and spas via the HDFC -Time Map program.
For movie lovers, both cards offer discounts on the book Mythy Show, while Diners Club Privilege offers better offers with weekend offers and special promotions.
Fuel Surcharge Waiver
Both cards offer fuel surcharge exemptions. This is an essential benefit for cardholders who spend strong fuel on their money. Regalia gives up fuel surcharges between 400 and 5,000 with a monthly limit of 500.
Diners Club privileges offer similar benefits, but with a slightly higher monthly cap of 1,000, it’s even more advantageous for those with high fuel costs.
Redemption Options and Flexibility
When it comes to redeeming reward points, both cards offer similar options, such as travel books, shopping vouchers, cashbacks, and products.
However, the privileges of the Diners Club offer better conversion duties when sending points on flight miles or hotel loyalty programs, which is a critical advantage for travel enthusiasts.
The HDFC SmartBuy portal is where both cards actually maximize value, which has accelerated Diners Club cardholders with high acceleration rewards in certain categories such as travel, electronics and fashion.
Acceptance and convenience factors
Perhaps this is the most important practical difference between the HDFC Bank Regalia vs Diners Club Privilege Credit Card. Regalia, a Visa/MasterCard, enjoys universal acceptance from around the world.
In contrast, the Diners Club network is still on the challenge despite an increasing footprint in several international locations and small Indian institutions.
For frequently international travelers and those living in animal 2 or 3 cities, this acceptance issue can be a critical factor and may govern the excellent reward structure of club privileges.
Customer Service and Digital Experience
HDFC Bank Regalia vs Diners Club Privilege Credit Card are protected by HDFC Bank’s robust customer service infrastructure around the surrounding helpline.
The mobile banking experience is the same as both cards and offers features such as instant card blocking, issuing analysis, and reward tracking.
However, Diners Club privileged cardholders receive priority customer service, a subtle and wise advantage in the main string of major complaints.
Who should choose the internal organs?
- HDFC Bank Regalia is perfectly useful to
- First of all, premium credit card users looking for a balanced mix of benefits
- People who are worried about accepting cards, especially on international travel.
- 1 Users with moderate annual costs between 3 and 5 larks
Those who value simplicity about maximizing reward points
Conclusion
The privileges of HDFC Bank Regalia vs Diners Club Privilege Credit Card are the excellent value of the premium credit cardboard segment in India. Ultimately, it ultimately depends on your spending pattern, travel frequency, and reward preference compared to convenience.
If you are a strategic donor who can navigate a 10x reward system and don’t interfere with the occasional acceptance issues, Diners Club Privilege offers much better value. However, if universal acceptance and simplicity are a priority, then regalia is a more practical choice despite a slightly lower reward rate.
For truly ambitious people, using the privileges of the diner club for outstanding acceptance and excellent rewards and maintaining Regalia as a reliable backup of universal acceptance may be the best strategy.
FAQ For HDFC Bank Regalia vs Diners Club Privilege Credit Card
Q: Can I convert reward points directly from cards to flight miles?
Yes, both HDFC Bank Regalia and Diners Club privileges allow the conversion of reward points to airlines in several programs, including JET privileges (currently mixed runs), Singapore Airlines Krisflyer and more.
However, Diners Club privileges usually provide better conversion rates. This is more valuable for frequent flyers who want to accumulate airline miles.
Q: If I already have another premium credit card, should I still consider these HDFC cards?
A: It depends on your existing card’s benefits and your spending patterns. The HDFC Bank Regalia and Diners Club Privilege offer competitive value compared to other premium cards in the market, particularly through the 10X rewards program via SmartBuy (especially with the Diners Club Privilege).
If your current card doesn’t offer accelerated rewards on your major spending categories, adding one of these HDFC cards to your wallet could significantly boost your overall rewards earning potential.
Brief Table of HDFC Bank Regalia vs Diners Club Privilege Credit Card:
| Feature | HDFC Regalia Credit Card | HDFC Diners Club Privilege Card |
|---|---|---|
| Annual Fee | ₹2,500 + GST | ₹2,500 + GST |
| Welcome Benefits | 2,500 Reward Points | 2,500 Reward Points |
| Reward Points | 4 RP per ₹150 spent | 4 RP per ₹150 spent |
| Reward Value | ₹0.50 per RP | ₹0.50 per RP |
| Travel Benefits | 6 Complimentary Domestic Lounge Access + 6 International per year | 12 Complimentary Domestic + 6 International Lounge Access per year |
| Dining Offers | Up to 15% off at partner restaurants via Swiggy Dineout | Up to 20% off on Zomato & Swiggy Dineout |
| Milestone Benefits | 10,000 RP on ₹5L yearly spend 5,000 RP on ₹8L spend | 2,000 RP every ₹1.5L spent (Max 16K RP/year) |
| Forex Markup | 2% + GST | 2% + GST |
| Insurance Benefits | Air accident cover: ₹1 Cr | Air accident cover: ₹1 Cr |
| Eligibility | Higher income requirement | Slightly stricter issuer acceptance |
