HDFC Business Regalia Credit Card vs HDFC Diners Club Privilege Credit Card

• Earn 4 Reward Points on every Rs. 150 spent on retail spends excluding wallet, EMI and petrol
• By making Vendor/supplier bill payments and GST payments using HDFC Bank Business Regalia Credit Card, get up to 50 days of free credit period
• 12 Complimentary Airport Lounge Access within India at domestic and international terminals
• Customers who use RuPay cards can now enjoy 12 complimentary airport lounge accesses within India and 6 outside India
• With the Diners Club card, you can enjoy up to 12 complimentary airport lounge visits within India and 6 outside India
• PRIORITY PASS: To avail a Priority Pass, you can apply once you complete a minimum of 4 retail transactions on your HDFC Bank Regalia Credit Card. With a Priority Pass, you and your add-on member can together enjoy up to 6 complimentary lounge access per calendar year, outside India
• Get 5% monthly cashback on Business Essential Spends 
• Up to 4 Reward Points on every Rs.150 spent for business payment, redeem reward points to pay credit card bill
• HDFC Bank Merchants can now conveniently make vendor and distributor payments through a single app using SmartHub
• Get Pre-approved instant loans and Cash withdrawal facility on the Business Credit Card
• Convert all big spends into EMI after purchase
• Zero Lost card liability
• Get Revolving Credit at nominal interest rate
• 2% on all foreign currency spends
• 1% fuel surcharge waiver at all fuel stations across India on transactions betwwen Rs. 400 and Rs. 5000
• Enjoy dining benefits with the Good Food Trail program
• Save up to 20% on all restaurant bills via Swiggy Dineout (20,000+ restaurants). The offer includes both restaurant and Swiggy discounts and is only valid on payments made through the Swiggy app
• Milestone Benefit: Earn Bonus 10,000 Reward Points when spending Rs. 5 lakhs in the anniversary year. Earn an additional 5,000 Reward Points when spending Rs. 8 lakhs in the anniversary year
• Renewal Offer: The renewal fee is waived off if you spent more than 3 lakhs in the previous year
• Convert big spends into EMI after purchase
• Air Accidental death cover up to Rs 1 Cr
• Emergency Overseas Hospitalization protection worth up to Rs. 15 lakhs 
• Flight Delay cover of up to Rs 25,000
• Missing of Connecting International Flight cover of up to Rs 25,000
• The maximum 50,000 Reward Points can be earned in a statement cycle for your Business Regalia Credit Card
• This card is enabled for contactless payments

• Milestone Benefits: Get Rs. 1,500 worth vouchers of Marriott Experience, Decathlon, Barbeque Nation, O2 Spa, or Lakme Salon on spends of Rs. 1.5 lakhs in a calendar quarter
• Get a Renewal Fee waiver for the next year by spending Rs. 3 Lakhs in the card anniversary year
• BookMyShow is offering a 'Buy 1 Get 1 Free' deal on weekend tickets for both movies and non-movies. Offer is applicable for shows on Friday, Saturday and Sunday. Maximum discount is Rs. 250/ticket, up to 2 free tickets every calendar month 
• Get 5X Reward Points on Swiggy and Zomato
• 2 Complimentary Airport lounge access every calendar quarter worldwide
• Get 4 Reward Points for every Rs. 150 spent
• Travel benefits: Get up to 10X Rewards on booking flights and stays at over 150 hotels, both domestic and international, by visiting https://offers.smartbuy.hdfcbank.com/diners
• Up to 50 days of interest-free credit period from the date of purchase
• Credit Liability Cover: Rs. 9 lakh
• Foreign Currency Markup: 2% on all foreign currency spends
• Revolving Credit is available at a nominal interest rate 
• Get 5X Reward Points on Swiggy and Zomato. Additional 4X RP is capped at 2500 reward points every calendar month
• Convert big spends into EMI after purchase
• HDFC Bank Diners Club Privilege Credit Card is enabled for contactless payments
• Accidental Air Death Cover worth Rs. 1 Crore
• Emergency overseas hospitalization: up to Rs. 25 lakhs
• Get Travel Insurance Cover up to Rs 50,000 on baggage delay
• Credit Liability cover: Up to Rs. 9 Lakh.
• Earn 4 Reward Points on every Rs. 150 retail spends
• Earn 20 Reward Points on every Rs 150 spends on Swiggy and Zomato
• Earn up to 10X Reward Points on Spends Via Smartbuy
• Enjoy amazing dining benefits & savings with the Good Food Trail Program: Get up to 20% off on all restaurant bill payments via Swiggy Dineout (Choose from 20000 + restaurants). The offer is inclusive of Restaurant and Swiggy Discount. It's valid only on payments done via the Swiggy App
• Diners Exclusive Offers:

A. Fast Track Airport Experience: Skip the line for check-in and get help with your baggage

B. Dining Delight:  Enjoy exclusive dining offers ranging from gourmet cuisine to local delicacies

C. Luxury Spas: You can enjoy access to some of the best spas in India at discounted rates

D. Small Medium Enterprise (SME): Get customized offers like workspaces, business insurance, and wellness discounts to meet the unique needs of businesses

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

• Milestone Benefits: Get Rs. 1,500 worth vouchers of Marriott Experience, Decathlon, Barbeque Nation, O2 Spa, or Lakme Salon on spends of Rs. 1.5 lakhs in a calendar quarter
• BookMyShow is offering a 'Buy 1 Get 1 Free' deal on weekend tickets for both movies and non-movies
• Earn 4 Reward Points on every Rs. 150 retail spends, Earn 20 Reward Points on every Rs 150 spends on Swiggy and Zomato, and Earn up to 10X Reward Points on Spends Via Smartbuy

Cons

• High Annual Fees
• No Cashback on online spends