HDFC Diners Club Black Metal Edition vs HDFC Regalia

Annual/Renewal Fee
₹ 10,000

Annual/Renewal Fee
₹ 2,500

• Complimentary memberships of Club Marriott, Amazon Prime and Swiggy One

• NA

• 5 reward points for every Rs. 150 spent
• Up to 10X reward points on SmartBuy and 2X rewards on weekend dining
• 1 reward point = Rs. 1 for flight & hotel bookings at SmartBuy
• 1 reward point = Up to Rs. 0.50 against product catalogue
• 1 reward point = Rs. 0.30 for cashback redemption against statement balance

• 4 reward points per Rs. 150 spent on all retail spends

• Unlimited airport lounge access for primary and add-on card members

• Up to 8 complimentary airport lounge visits within India and up to 6 lounge access per year outside India via Priority Pass

• 3.33% value-back across all spending categories
• 1:1 reward redemption against some of the leading airlines and hotels
• Unlimited domestic and international lounge visits for primary and add-on user
• 6 complimentary golf games per quarter
• Multiple complimentary memberships
• Low forex mark-up fee of 2%

• Good reward rate across all categories
• Multiple redemption options
• Complimentary lounge access
• Low forex mark-up fee

• Though forex mark-up fee of 2% is lower than the general 3.5% charged on most cards, it could have been lower, considering the card’s premium status
• High annual fee of Rs. 10,000

• Lounge access is subject to reaching spend milestones
• Spend threshold for milestone benefits is too high

• High spenders who put most of their travel-related and other spends on their card, and want an all rounder credit card

• People who can satisfy the fee waiver and lounge access spending conditions to make the most of the card features and those who frequently dine out