HDFC REGALIA VS HDFC DINERS BLACK CREDIT CARD

credit card important information

If you are looking for the best HDFC credit card or if you are already an HDFC credit card user and looking to upgrade, you must have come across two very popular cards- HDFC Regalia and HDFC Diners Club Privilege. But which of the two is better for you? Given that both credit cards target the premium segment of customers and offer almost similar reward rates and features, the confusion is quite valid. However, there are a few differences that will help you make the right choice.

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Here we have compared both the cards in detail and have given the major differences which will help you make an informed decision. But first, let’s have a glance at the key differences between the two.

Go for HDFC Regalia Credit Card, if-

You want to accrue reward points to redeem later for flight tickets or hotel bookings

You travel frequently, as HDFC Regalia with Visa/Mastercard would have extensive lounge tie-ups.

You would be able to spend Rs. 5 Lakh to Rs. 8 Lakh in a year to avail of milestone benefits.

You put most of your routine expenditure on your credit card.

Your monthly income is at least Rs. 70,000 and you are fine with paying an annual fee of Rs. 2,500.

Go for HDFC Diners Club Privilege Credit Card, if-

You would be able to achieve a monthly spend of Rs. 40,000 like a clockwork and would like to get vouchers from BookMyShow, Ola, and Tata Cliq

You would like to avail of Complimentary Annual Membership with Club Marriott, MakeMyTrip Double Black, Zomato Gold, Amazon Prime, Forbes, and Times Prime.

You are inclined towards golf benefits as the card offers 6 Complimentary Golf games per quarter across the world’s best courses.

You would be able to spend Rs. 5 lakh annually to avail of the complimentary memberships.

You are fine with the low AirMile conversion rate (1 Reward Point = 0.5 AirMile).