Side-by-side · honest numbers
HDFC 6E Rewards Credit Card vs HDFC Diners Club Black Metal vs HDFC Regalia Gold
Honest side-by-side comparison of HDFC 6E Rewards Credit Card, HDFC Diners Club Black Metal, HDFC Regalia Gold — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.
At a glance (moderate spend)
Quick verdict: On moderate spend, HDFC Regalia Gold ranks first for estimated net annual value — ahead of HDFC 6E Rewards Credit Card by about ₹5,176/yr.
| Feature | HDFC 6E Rewards Credit Card HDFC Bank | HDFC Diners Club Black Metal HDFC Bank | HDFC Regalia Gold HDFC Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹500 | ₹10,000 | ₹2,500 |
| Fee waiver threshold | Waived at ₹2,00,000/yr spend | No waiver published | Waived at ₹4,00,000/yr spend |
| Min income | ₹25,000/mo | ₹1,50,000/mo | ₹50,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹380/yr | -₹6,300/yr | ₹5,556/yr |
| Travel | 5 pts per ₹150 spend → ₹42/mo (₹500/yr) | 5 pts per ₹150 spend → ₹83/mo (₹1,000/yr) | — |
| Top reward rate | 5X reward points | 10X points | 4 RP/₹150 |
| Primary reward cap | No monthly cap published | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | None | Unlimited domestic + international · No minimum spend — show physical card at lounge (DreamFolks / Diners network) | Up to 2 lounge vouchers/quarter · ₹1,00,000 spend per calendar quarter — generate voucher on Regalia SmartBuy (intl PP separate) |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Wallet | EMI · Fuel · Rent · Wallet | EMI · Fuel · Rent · Wallet |
| Bonuses | |||
| Signup bonus | — | — | ₹2,500 |
Frequently asked questions
- Which card has the lower annual fee?
- HDFC 6E Rewards Credit Card has the lowest annual fee at ₹500.
- Which card earns more on moderate spend?
- HDFC Regalia Gold leads with an estimated ₹5,556/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- HDFC 6E Rewards Credit Card lists a minimum monthly income of ₹25,000.
- Does this comparison pull my credit score?
- No. CardHungry estimates net value from public fee and reward rules only — no bureau check.
Customize your spend
Change spend profile or swap cards — results update live below.
HDFC 6E Rewards Credit Card
HDFC Bank
HDFC Diners Club Black Metal
HDFC Bank
HDFC Regalia Gold
HDFC Bank
Your adjusted comparison
| Feature | HDFC BankPlatinum HDFC 6E Rewards Credit Card •••• •••• •••• 4242 Quick facts HDFC 6E Rewards Credit Card Top reward5X reward points Annual fee₹500 Min income₹25,000/mo Tap to flip back HDFC 6E Rewards Credit Card HDFC Bank | HDFC BankMetal HDFC Diners Club Black Metal •••• •••• •••• 4242 Quick facts HDFC Diners Club Black Metal Top reward10X points Annual fee₹10,000 Min income₹1,50,000/mo Tap to flip back HDFC Diners Club Black Metal HDFC Bank | HDFC BankPlatinum HDFC Regalia Gold •••• •••• •••• 4242 Quick facts HDFC Regalia Gold Top reward4 RP/₹150 Annual fee₹2,500 Min income₹50,000/mo Tap to flip back HDFC Regalia Gold HDFC Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹500 | ₹10,000 | ₹2,500 |
| Fee waiver threshold | Waived at ₹2,00,000/yr spend | No waiver published | Waived at ₹4,00,000/yr spend |
| Min income | ₹25,000/mo | ₹1,50,000/mo | ₹50,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹380/yr | -₹6,300/yr | ₹5,556/yr |
| Travel | 5 pts per ₹150 spend → ₹42/mo (₹500/yr) | 5 pts per ₹150 spend → ₹83/mo (₹1,000/yr) | — |
| Top reward rate | 5X reward points | 10X points | 4 RP/₹150 |
| Primary reward cap | No monthly cap published | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | None | Unlimited domestic + international · No minimum spend — show physical card at lounge (DreamFolks / Diners network) | Up to 2 lounge vouchers/quarter · ₹1,00,000 spend per calendar quarter — generate voucher on Regalia SmartBuy (intl PP separate) |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Wallet | EMI · Fuel · Rent · Wallet | EMI · Fuel · Rent · Wallet |
| Bonuses | |||
| Signup bonus | — | — | ₹2,500 |
HDFC 6E Rewards Credit Card details →HDFC Diners Club Black Metal details →HDFC Regalia Gold details →
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https://cardhungry.com/in/en/compare/hdfc-6e-rewards-vs-hdfc-diners-black-vs-hdfc-regalia-goldMore HDFC 6E Rewards Credit Card comparisons
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