HDFC Regalia vs HDFC Diners Black
Cap-aware comparison at ₹58,000/month total spend · Data verified March 2026
HDFC Regalia
₹2,500/yr
₹771
cashback/month
HDFC Diners Black
₹10,000/yr
₹1,931
cashback/month
Winner
Category-by-Category Breakdown
🍽️Dining
₹8,000/moHDFC Regalia
₹1061.33%
HDFC Diners Black
₹2663.33%
✈️Travel
₹10,000/moHDFC Regalia
₹1331.33%
HDFC Diners Black
₹3333.33%
🛒Online Shopping
₹10,000/moHDFC Regalia
₹1331.33%
HDFC Diners Black
₹3333.33%
🥦Groceries
₹8,000/moHDFC Regalia
₹1061.33%
HDFC Diners Black
₹2663.33%
⛽Fuel
₹5,000/moHDFC Regalia
₹671.33%
HDFC Diners Black
₹1673.33%
💡Utilities
₹5,000/moHDFC Regalia
₹671.33%
HDFC Diners Black
₹1673.33%
🎬Entertainment
₹4,000/moHDFC Regalia
₹531.33%
HDFC Diners Black
₹1333.33%
🛍️Shopping
₹8,000/moHDFC Regalia
₹1061.33%
HDFC Diners Black
₹2663.33%
Quick Specs
Annual Fee₹2,500₹10,000
Fee Waiver₹4L annual spend₹5L annual spend
NetworkVisa/MCDiners Club
Lounge Access18/yearUnlimited
Card TypePremiumSuper Premium
The Verdict
HDFC Diners Black earns ₹1,160 more per month on this spending pattern. HDFC Regalia wins on no categories. HDFC Diners Black wins on dining, travel, online shopping, groceries, fuel, utilities, entertainment, shopping. The best strategy? Use HDFC Diners Black as your primary card and HDFC Regalia for its winning categories.
Pick HDFC Diners Black if
→ You spend heavily on dining, travel, online shopping
View HDFC Diners Black details →Or use both
Use HDFC Regalia for its strengths, and HDFC Diners Black for dining and travel. Combined fee: ₹12,500/year.
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