HDFC Business Regalia Credit Card vs HDFC Diners Club Black

• Welcome Benefit: Complimentary Annual Zomato Gold Membership when you spend Rs. 75,000 and above in the first three months. Do note the offer is not applicable for cards sourced after 20th January, 2021
• Get 15,000 Bonus Reward Points on annual spends of Rs. 8,00,000, and get 10,000 Bonus Reward Points on annual spends of Rs. 5,00,000 
• Spend Rs. 60,000 & above in the first 90 days to get the first-year membership fee waived off, and spend Rs. 3,00,000 in 12 Months to get Renewal Fee waived for next renewal year
• 4 Reward Points for every Rs.150 spent on all spends
• 5% Cashback on Telecom, Electricity, Government/Tax, Railway, Hotels & Dining and Taxi. Note: Maximum cashback of Rs. 500 per statement on minimum monthly spends of Rs. 20,000
• The Current Account Holders will avail double cashback on all Business essentials such as Telecom, Utility, Govt and Tax payments only up to Rs. 1000 per statement
• Avail POS Rental Reversal on monthly spendings of Rs 30,000 on the credit card and monthly volume of Rs 25,000 on POS machine capped at Rs. 1000 per month 
• 12 Complimentary Airport Lounge Access per calendar year within India (both at domestic and international terminals) 
• Apply for Priority Pass for yourself and add on members upon completing minimum 4 retail transactions on the HDFC Bank Regalia Credit Card
• Using the Priority Pass, you along with an add on member can together avail up to 6 Complimentary Lounge Access per calendar year outside India
• Get Air Accidental death cover up to Rs 1 Cr and Emergency Overseas Hospitalization protection worth up to Rs. 15 Lakhs
• Flight Delay cover of up to Rs 25,000 and missing of Connecting International Flight cover of up to Rs 25,000 available to the primary cardholder
• With EasyEMI for SMEs facility, you don’t need to block your capital 
• Purchase interiors, furniture, electronics, ACs and more in bulk with No Cost EMI offer on brands like Damro, Dash Square, Durian Industries, EVOK, Furniturewalla, Godrej Interior, Royal Oak, Stanley, The Maark Trendz, Kelvinator, Blue Star, Reliance Digital

• Complimentary Annual memberships of Club Marriott, Forbes, Amazon Prime, Swiggy One (3 months) and MMT BLACK   
• Complimentary Ola cabs | cult.fit Live | BookMyShow | TataCliQ vouchers on spends of over Rs. 80,000 every month
• Avail 5 Reward Points for every Rs 150 spent
• Up to 10X Reward Points via SmartBuy
• HDFC Bank x Swiggy Dineout - Good food Trail: Enjoy FLAT 10% EXTRA OFF on dining bills at 35K+ restaurants
• Complimentary Golf games across the finest courses in the world ( 6 per quarter)       
• Travel benefits: Book flight tickets / hotels across 150+  airlines and choice of hotels (Domestic & International) at https://offers.smartbuy.hdfcbank.com/diners
                                       
• Dining privileges includes 2X on weekend dining
• Up to 50 days of interest free credit period on the credit card
• Credit liability cover: Rs. 9 lakh
• Foreign Currency Markup:  2% on all your foreign currency spends
• Revolving Credit is available at a nominal interest rate on the HDFC Bank Diners Club Black Credit Card
• 24/7 Concierge Services
• Unlimited Airport lounge access to 1000+ Lounges in India and worldwide for primary and add-on card members
• 1% fuel surcharge waiver at all fuel stations in India on minimum transaction of Rs. 400 and Max CashBack of Rs. 1000 per statement cycle
• Milestone Benefit: As the milestone benefit the credit card holders can select any 2 benefits amongst cult.fit Live 1 month membership or BookMyShow or TataCLiQ or Ola cabs vouchers worth Rs. 500 every month on spends of Rs. 80,000
• Annual Spend based benefit: Complimentary annual memberships of Club Marriott, Forbes, Amazon Prime, Swiggy One (3 months), MMT BLACK can also be availed upon achieving annual spend of Rs 8 Lakhs at the time of card anniversary
• HDFC Bank Diners Club Black Credit Card comes with an option to convert big spends into EMI after purchase
• Contactless Payment

Pros

• On all foreign currency spends, avail the lowest foreign currency markup of 2% 
• Redeem Reward Points instantly against Airline ticket booking and Hotel booking
• Enjoy the exclusive 24/7 Concierge Service

Cons

• Although complimentary Membership to the Priority Pass Program is offered, all Lounge visits within India using priority pass will be charged at US $27 + GST
• Lounge Visits outside India exceeding the complimentary visits will be charged at US $27 + GST.
• The annual fee of 2500 is moderately high

Pros

• Air accident insurance cover worth Rs 2 crore
• Emergency overseas hospitalization: Rs. 50 Lakh
• Travel Insurance Cover of up to Rs. 55,000 on baggage delay                                                               
• Credit Liability Cover of up to Rs. 9 Lakh
• Diners Exclusive Offers: Fast Track Airport Experience, Dining Delight (exclusive dining offers, from gourmet cuisine to local delicacies), Luxury Spas access, and Small Medium Enterprise (SME), which is tailor-made offers such as workspaces, business insurance and wellness discounts to meet business needs

Cons

• Joining and renewal fee is on the higher side