Synopsis- HDFC covers India’s premium credit card category with its top four premium and super premium cards: HDFC Infinia, HDFC Diners Club Black, Regalia Gold, and HDFC Diners Premium. This article compares HDFC’s premium credit cards based on fees, benefits, and eligibility to help readers make the right choice depending on their lifestyle, income, and travel activities.
The Indian credit card market has seen an impressive increase in demand for premium and super-premium propositions driven by changing lifestyles and increasing wealth. HDFC Bank is recognised as one of the leaders in the market with an extensive portfolio of premium cards offered to professionals and high-net-worth individuals (HNIs). This article presents a comprehensive comparison of HDFC’s flagship cards—Infinia, Diners Club Black, Regalia Gold, and Diners Premium—across fees, benefits, and eligibility.
Understanding the Hierarchy: Premium vs. Super Premium
- Premium Credit Cards: Premium credit cards cater to upper-middle-class professionals, entrepreneurs, and frequent travellers and aim to strike a balance between value and affordability. Examples of premium credit cards include Regalia Gold and Diners Club Premium, which provide premium benefits including elevated reward points, milestone bonuses, moderate travelling benefits, limited international lounge access, etc. These premium cards are perfect for users requiring lifestyle privileges without exorbitant fees.
- Super Premium Credit Cards: Super premium cards include Infinia Metal Edition, Diners Club Black Metal Edition and are geared towards high-net-value individuals (HNIs) and luxury travellers. Super premium cards provide unlimited global lounge access, concierge services available 24/7, the highest reward redemption value (₹1/RP), the highest luxury hotel membership options, and carry an annual fee that is higher than standard premium credit cards. They also have strict eligibility requirements (most are invite-only) and a curated luxury lifestyle standard.
Premium Cards
1. HDFC Regalia Gold Credit Card
- Features and Benefits
- Swiggy One and MMT Black Gold Membership.
- ₹ 1,500 worth of voucher (Minimum spend of Rs. 1.5 Lakhs)
- ₹ 5,000 worth of flight vouchers (on spending Rs. 5,00,000)
- 5X Reward Points on spends at Marks & Spencer, Myntra, Nykaa & Reliance Digital
- 4 reward points on every Rs. 150 spent at retail stores.
- 20 Reward Points on every Rs.150 retail* spends at Marks & Spencer, Myntra, Reliance Digital, Nykaa
- 12 complementary lounge access within India, and 6 priority passes outside India
- Insurance
- Accidental death cover worth Rs. 1 crore.
- Emergency overseas hospitalisation up to Rs. 15 lakhs.
- Eligibility:
- For salaried and Non-Government
- Age: 21 years to 60 years
- Net monthly income of more than Rs. 1,50,000
- For Self-Employed:
- Age: 21 years to 65 years
- Income more than 18 lakhs per annum.
- For Salaried and Government:
- Age: 21 years to 60 years.
- Net monthly income more than 1,00,000.
- Joining fee Rs. 2,500+Taxes.
2. HDFC Diners Club Premium Credit Card
- Features and Benefits:
- Welcome/Renewal Benefit: 2500 reward points.
- 6 complementary lounge access
- 4 reward points for every Rs. 150 spent.
- Air accident insurance cover worth Rs. 1 crore.
- Emergency overseas hospitalisation: up to ₹25 Lacs.
- Travel Insurance Cover of up to ₹ 50,000
- Eligibility:
- For a salaried Employee:
- Age: 21 years to 60 years.
- Net monthly income more than Rs. 60,000 per month.
- For the self-employed:
- Age: 21 years to 65 years.
- Income more than 7.2 lakhs per annum.
- Annual Fee/ Renewal Fee: Rs. 2,500+ Taxes.
Also read: Best 5 Cashback Credit Cards of 2025 to Maximize Your Savings – Do You Have One Yet?
Super Premium Credit Cards
1. HDFC Diners Club Black Credit Card (Metal Edition):
- Features and Benefits:
- Unlimited complimentary lounge
- 6 complementary golf games every quarter.
- Annual memberships of Club Marriott, Amazon Prime, and Swiggy One
- 10,000 reward points on every Rs. 4 lakhs spent.
- 2x reward points on weekend dining.
- 5 reward points on every Rs. 150 spent.
- 6 complementary golf games every quarter.
- Eligibility:
- For salaried:
- Age: 21 years to 60 years.
- Net income of Rs. 2.5 lakhs per month.
- For Self-Employed:
- Age: 21 years to 65 years.
- Income more than 30 lakhs per annum.
- Joining/ Annual Fee: Rs. 10,000+Taxes.
2. HDFC Infinia Credit Card (Metal Edition)
- Features and Benefits:
- Club Marriott membership for the first year
- Unlimited airport lounge access.
- 5 reward points for every Rs. 150 spent.
- 1+1 complimentary buffet at participating ITC hotels.
- Unlimited Complimentary golf games at leading courses across India and select courses across the world.
- 1% waiver on Fuel surcharges.
- Eligibility:
- Membership for the HDFC Bank Infinia Credit Card is By Invite Only
- Joining/Annual Fee: Rs. 12,500+Taxes.
| Feature | Diners Club Premium | Regalia Gold | Diners Club Black | Infinia Metal Edition |
|---|---|---|---|---|
| Category | Premium | Premium | Super Premium | Super Premium |
| Annual Fee | ₹2,500 + taxes | ₹2,500 + taxes | ₹10,000 + taxes | ₹12,500 + taxes |
| Fee Waiver | ₹3 lakh/year | ₹1.5–3 lakh/year | ₹5–8 lakh/year | ₹10 lakh/year |
| Rewards | 4 RPs/₹150 + 10X on intl. | 4 RPs/₹150 + 5X on brands | 5 RPs/₹150 + 10X on SmartBuy | 5 RPs/₹150 + 10X on SmartBuy |
| Lounge Access | Global (limited) | 12 Dom + 6 Int’l (Priority Pass) | Unlimited (Diners Club) | Unlimited (Priority Pass) |
| Key Lifestyle Perks | Golf coaching, concierge | Club Vistara, MMT Elite | Golf rounds, Prime, MMT, concierge | Marriott, ITC, concierge, ₹1/RP |
| Forex Markup | 2% | 3.5% | 2% | 2% or lower |
| Eligibility | ₹60K/month (salaried) | ₹1L/month (salaried) | ₹1.75L/month or ITR ₹21L+ | Invite-only, ₹3.5L+/month or ₹1Cr+ |
Conclusion
The HDFC premium and super-premium cards attract a vast audience of wealthy customers, from upwardly mobile professionals to ultra-HNIs. Regalia Gold and Diners Premium do offer great value and benefits for regular spenders; Infinia and Diners Black have heavenly status and prestige. Choose wisely depending on your earning, spending pattern, and lifestyle priorities.
Written by N G Sai Rohith
