HDFC Bank Regalia Gold Credit Card
Rs 2,500Annual fee
Rs 4,00,000Fee waiver spend
12Domestic lounge
Domestic lounge conditions
- 12 complimentary visits per year (max 3 per quarter).
- From 1 July 2026 access is spend-gated: requires Rs 60,000 of spend in the preceding calendar quarter to unlock the next quarter.
- Complimentary Priority Pass membership on request after 4 retail transactions.
- 6 complimentary visits per calendar year outside India (primary and add-on cardholders); extra visits charged at US $27 + GST.
2%Forex markup
Best for
travel, lounge, lifestyle, smartbuy, premium rewards
Top rewards
smartbuy hotels: Up to 10X Reward Points (50 RP / Rs 200 spent via SmartBuy); smartbuy flights: Up to 5X Reward Points (25 RP / Rs 200 spent via SmartBuy); smartbuy gyftr: Up to 5X Reward Points (25 RP / Rs 200 spent on instant vouchers via SmartBuy)
HDFC Bank Diners Club Black Metal Edition Credit Card
Rs 10,000Annual fee
Rs 8,00,000Fee waiver spend
UnlimitedDomestic lounge
Domestic lounge conditions
- Unlimited complimentary airport lounge access worldwide for primary and add-on cardholders.
- Unlimited complimentary airport lounge access worldwide for primary and add-on cardholders.
2%Forex markup
Best for
premium travel, lounge, smartbuy, dining, golf
Top rewards
smartbuy hotels: Up to 10X Reward Points (10 RP / Rs 150 spent via SmartBuy); smartbuy flights: Up to 5X Reward Points (5 RP / Rs 150 spent via SmartBuy); smartbuy gyftr: Up to 3X Reward Points (15 RP / Rs 150 spent on instant vouchers via SmartBuy)
| Feature | HDFC Bank Regalia Gold Credit Card | HDFC Bank Diners Club Black Metal Edition Credit Card |
|---|---|---|
| Issuer | HDFC Bank | HDFC Bank |
| Network | Visa, Mastercard | Diners Club |
| Joining fee | Rs 2,500 | Rs 10,000 |
| Annual fee | Rs 2,500 | Rs 10,000 |
| Fee waiver spend | Rs 4,00,000 | Rs 8,00,000 |
| Reward type | reward points | reward points |
| Best for | travel, lounge, lifestyle, smartbuy, premium rewards | premium travel, lounge, smartbuy, dining, golf |
| Top reward categories | smartbuy hotels: Up to 10X Reward Points (50 RP / Rs 200 spent via SmartBuy); smartbuy flights: Up to 5X Reward Points (25 RP / Rs 200 spent via SmartBuy); smartbuy gyftr: Up to 5X Reward Points (25 RP / Rs 200 spent on instant vouchers via SmartBuy) | smartbuy hotels: Up to 10X Reward Points (10 RP / Rs 150 spent via SmartBuy); smartbuy flights: Up to 5X Reward Points (5 RP / Rs 150 spent via SmartBuy); smartbuy gyftr: Up to 3X Reward Points (15 RP / Rs 150 spent on instant vouchers via SmartBuy) |
| SmartBuy / accelerated caps | smartbuy hotels: daily 2,000 reward points, monthly 2,000 reward points; smartbuy flights: daily 2,000 reward points, monthly 2,000 reward points; smartbuy gyftr: daily 2,000 reward points, monthly 4,000 reward points; smartbuy train: daily 2,000 reward points, monthly 4,000 reward points | smartbuy hotels: daily 10,000 reward points, monthly 10,000 reward points; smartbuy flights: daily 10,000 reward points, monthly 10,000 reward points; smartbuy gyftr: daily 10,000 reward points, monthly 10,000 reward points |
| Domestic lounge | 12 | Unlimited |
| International lounge | 6 | Unlimited |
| Forex markup | 2% | 2% |
| Milestone benefits | Rs 5,000 worth flight vouchers on spends of Rs 5 lakh, Rs 5,000 worth flight vouchers on spends of Rs 7.5 lakh, Rs 1,500 worth Myntra or Nykaa vouchers on quarterly spends of Rs 1.5 lakh, Renewal fee waived on annual spends of Rs 4 lakh | 10,000 bonus reward points per quarter on spends of Rs 4 lakh or more, Renewal fee waived on spending Rs 8 lakh in 12 months |
| Redemption | SmartBuy travel: upto Rs 0.5 per point; Air miles: upto Rs 0.5 per point; Statement credit: upto Rs 0.2 per point | SmartBuy travel: upto Rs 1 per point; Air miles: upto Rs 1 per point; Statement credit: upto Rs 0.3 per point |
| Key exclusions | fuel, rent, wallet loads, government transactions, cash withdrawal, emi transactions | fuel, rent, wallet loads, government transactions, cash withdrawal, emi transactions |