HDFC Diners Club Black Credit Card
HDFC Bank
VS
WINNER
HDFC Regalia Gold Credit Card
HDFC Bank
HDFC Diners Club Black Credit Card vs HDFC Regalia Gold Credit Card
Detailed side-by-side comparison based on fees, rewards, benefits, and real user data.
credit card
Updated May 2026
96
Overall Score / 100
4.8/5
Recommended
94
Overall Score / 100
4.7/5
Scoreboard· 6 measured features
1
HDFC Diners Club Black Credit Card
0
Tied
5
HDFC Regalia Gold Credit Card
Overall winner
What would you save?· ₹ per year, after fees
₹50,000
₹5k₹1L₹2L
HDFC Diners Club Black Credit Card
Rewards (3.3%)+ ₹19,800
Annual fee− ₹10,000
Net per year+₹9,800
Better here
HDFC Regalia Gold Credit Card
Rewards (3.3%)+ ₹19,800
Annual fee− ₹2,500
Net per year+₹17,300
HDFC Regalia Gold Credit Card gives you ₹7,500 more per year at this spend level.
Estimates use the headline reward rate. Real rewards depend on category-wise spend, monthly caps, and welcome-bonus eligibility. See the full T&C on the issuer's website before applying.
Feature-by-Feature Comparison
Feature
HDFC Diners Club Black Credit Card
HDFC Regalia Gold Credit Card
Annual Fee
₹10,000
₹2,500
Joining Fee
₹10,000
₹2,500
Reward Rate
3.3% on SmartBuy, 1.3% base
Up to 3.3% via SmartBuy, base 1.3%
Welcome Bonus
5,000 reward points
2,500 reward points
Lounge Access
Unlimited international + 8 domestic/quarter
12 visits/year domestic + international
Min. Income
₹1,50,000
₹1,20,000
Min. Credit Score
780
750
InvestingPro Expert Verdict
Based on SEBI-compliant analysis • Affiliate disclosed
Comparison verdict currently unavailable. Please check back later.
Who Should Get Which?
💰
Choose HDFC Regalia Gold Credit Card
Lower annual fees — ideal for budget-conscious users who want value without high costs.
✈️
Choose HDFC Diners Club Black Credit Card
Higher fee but more premium perks — best for power users who maximize rewards.
Disclaimer: This comparison is for informational purposes only. Product details may change; verify on official bank websites before applying. InvestingPro may earn affiliate commission on approved applications. Not SEBI registered investment advice.