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 Privilege Credit Card
Rs 1,000Annual fee
Rs 3,00,000Fee waiver spend
8Domestic lounge
Domestic lounge conditions
- Complimentary lounge access (8 domestic and 4 international visits per year, unlocked as 2 domestic and 1 international visit per quarter) is spend-based starting 1 July 2026: Requires spending Rs 60,000 in the preceding calendar quarter.
- Complimentary lounge access (8 domestic and 4 international visits per year, unlocked as 2 domestic and 1 international visit per quarter) is spend-based starting 1 July 2026: Requires spending Rs 60,000 in the preceding calendar quarter.
3.5%Forex markup
Best for
dining, movies, smartbuy, lounge, lifestyle
Top rewards
swiggy zomato: 20 Reward Points / Rs 200 spent on Swiggy and Zomato; Hotels via SmartBuy (10X): 40 Reward Points / Rs 200 spent on hotels via SmartBuy (10X); Flights via SmartBuy (5X): 20 Reward Points / Rs 200 spent on flights via SmartBuy (5X)
| Feature | HDFC Bank Regalia Gold Credit Card | HDFC Bank Diners Club Privilege Credit Card |
|---|---|---|
| Issuer | HDFC Bank | HDFC Bank |
| Network | Visa, Mastercard | Diners Club |
| Joining fee | Rs 2,500 | Rs 1,000 |
| Annual fee | Rs 2,500 | Rs 1,000 |
| Fee waiver spend | Rs 4,00,000 | Rs 3,00,000 |
| Reward type | reward points | reward points |
| Best for | travel, lounge, lifestyle, smartbuy, premium rewards | dining, movies, smartbuy, lounge, lifestyle |
| 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) | swiggy zomato: 20 Reward Points / Rs 200 spent on Swiggy and Zomato; Hotels via SmartBuy (10X): 40 Reward Points / Rs 200 spent on hotels via SmartBuy (10X); Flights via SmartBuy (5X): 20 Reward Points / Rs 200 spent on flights via SmartBuy (5X) |
| 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 2,000 reward points, monthly 2,000 reward points; smartbuy flights: daily 2,000 reward points, monthly 2,000 reward points; smartbuy: daily 2,000 reward points, monthly 4,000 reward points |
| Domestic lounge | 12 | 8 |
| International lounge | 6 | 4 |
| Forex markup | 2% | 3.5% |
| 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 | Vouchers worth Rs 1,500 from brands like Marriott Experience, Barbeque Nation, Lakme Salon, O2 Spa, Decathlon, McDonald's, or Domino's on quarterly spends of Rs 1.5 lakh |
| 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 0.5 per point; Air miles: upto Rs 0.5 per point; Statement credit: upto Rs 0.2 per point |
| Key exclusions | fuel, rent, wallet loads, government transactions, cash withdrawal, emi transactions | fuel, rent, wallet loads, government transactions, cash withdrawal, emi transactions |