# HDFC Regalia Gold vs HDFC Diners Club Privilege

HDFC Regalia Gold costs ₹2,500 a year and HDFC Diners Club Privilege ₹1,000. They differ on the forex markup, airport lounge access, transfer partners and the network.

Each row is what the bank publishes for each card, read from its own documents and dated. Nothing here ranks the cards: which one suits you turns on where you spend. Each card’s page holds every rule and its source.

- [HDFC Regalia Gold](https://getbrief.cards/cards/hdfc-regalia-gold), HDFC Bank
- [HDFC Diners Club Privilege](https://getbrief.cards/cards/hdfc-diners-privilege), HDFC Bank

| | HDFC Regalia Gold | HDFC Diners Club Privilege |
|---|---|---|
| Annual fee | ₹2,500 + GST | ₹1,000 + GST |
| Fee waiver | Waived at ₹4,00,000 spend per card year | Waived at ₹3,00,000 spend per card year |
| Forex markup | 2% | 3.5% |
| On ₹1,00,000 spent abroad | ₹2,360 in markup and GST | ₹4,130 in markup and GST |
| Network | Mastercard | Diners Club |
| Everyday spend | 5 RP / ₹200 from 15 May 2026 | 4 RP / ₹200 base since 15 May 2026 (was 4 RP / ₹150) |
| Rewards in | HDFC Reward Points (Regalia Gold), ₹0.5 a point at the bank’s baseline | HDFC Reward Points (Regalia), ₹0.4 a point at the bank’s baseline |
| Transfer partners | 11 programmes | None |
| Airport lounges | 12 domestic visits a year · 6 international visits a year | 12 domestic and international visits a year |
| Spend milestones | 3 milestones | 1 milestone |
| Applications | Open | Open |
| Last checked | 27 October 2026 | 26 October 2026 |

## How each one earns

### HDFC Regalia Gold

- 5 RP / ₹200 from 15 May 2026 · ✓ official · checked 26 October 2026
- 5X on Nykaa/Myntra/M&S/Reliance Digital (cap 5K RP/mo) · ✓ official · checked 26 October 2026
- 5X via SmartBuy Instant Vouchers (Gyftr) · 25 RP/₹200, cap 4K RP/mo and 2K/day · brand vouchers capped at 3K RP/mo from about 1 Jul 2026 · ✓ official · checked 26 October 2026
- 5 RP / ₹200 on insurance, capped at 2,000 RP a month · ✓ official · checked 27 October 2026
- 5 RP / ₹200 on grocery, capped at 2,000 RP a month · ✓ official · checked 27 October 2026

Every rule on the HDFC Regalia Gold page: https://getbrief.cards/cards/hdfc-regalia-gold

### HDFC Diners Club Privilege

- 4 RP / ₹200 base since 15 May 2026 (was 4 RP / ₹150) · ✓ official · checked 26 October 2026
- 5X (20 RP/₹200) on Swiggy and Zomato, bonus capped at 2,500 RP/mo · ✓ official · checked 26 October 2026
- 5X via SmartBuy Instant Vouchers (Gyftr): 20 RP/₹200, cap 4K RP/mo and 2K/day · brand vouchers sub-cap 3K/mo since around 1 Jul 2026 · ✓ official · checked 26 October 2026

Every rule on the HDFC Diners Club Privilege page: https://getbrief.cards/cards/hdfc-diners-privilege


## Questions

### What is the annual fee of HDFC Regalia Gold and HDFC Diners Club Privilege?

As of 27 October 2026, HDFC Regalia Gold: ₹2,500 + GST, waived at ₹4,00,000 spend per card year. HDFC Diners Club Privilege: ₹1,000 + GST, waived at ₹3,00,000 spend per card year.

### Which charges less on spend abroad, HDFC Regalia Gold or HDFC Diners Club Privilege?

As of 27 October 2026, HDFC Regalia Gold charges a 2% markup against 3.5% on HDFC Diners Club Privilege: on ₹1,00,000 spent abroad that is ₹2,360 against ₹4,130, GST included.

### Do HDFC Regalia Gold and HDFC Diners Club Privilege come with airport lounge access?

As of 27 October 2026, HDFC Regalia Gold: 12 domestic visits a year · 6 international visits a year. HDFC Diners Club Privilege: 12 domestic and international visits a year.


## Other cards side by side

- [HDFC Regalia Gold vs HDFC Millennia](https://getbrief.cards/compare/hdfc-regalia-gold-vs-hdfc-millennia)
- [HDFC Regalia vs HDFC Regalia Gold](https://getbrief.cards/compare/hdfc-regalia-vs-hdfc-regalia-gold)
- [HDFC Millennia vs HDFC Diners Club Privilege](https://getbrief.cards/compare/hdfc-millennia-vs-hdfc-diners-privilege)
- [ICICI Bank Sapphiro vs HDFC Regalia Gold](https://getbrief.cards/compare/icici-sapphiro-vs-hdfc-regalia-gold)
- [HDFC Diners Club Black Metal vs HDFC Regalia Gold](https://getbrief.cards/compare/hdfc-diners-club-black-metal-vs-hdfc-regalia-gold)
- [HDFC Diners Club Privilege vs HDFC Diners Club Black Metal](https://getbrief.cards/compare/hdfc-diners-privilege-vs-hdfc-diners-club-black-metal)
- [Marriott Bonvoy HDFC vs HDFC Regalia Gold](https://getbrief.cards/compare/marriott-bonvoy-hdfc-vs-hdfc-regalia-gold)
- [Scapia (Federal Bank) vs HDFC Regalia Gold](https://getbrief.cards/compare/scapia-federal-vs-hdfc-regalia-gold)

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Fees are before GST. A rate that has aged says so. Brief is not a financial adviser and takes no fee from any bank for the order of this page.

Canonical: https://getbrief.cards/compare/hdfc-regalia-gold-vs-hdfc-diners-privilege