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IDFC Diamond Reserve vs HDFC Business Regalia

Compare IDFC Diamond Reserve vs HDFC Business Regalia across fees, rewards, cashback, lounge access, and eligibility to shortlist the best fit.

Comparison cockpit

Futuristic side-by-side card intelligence

IDFC Diamond Reserve leads on reward rate, while HDFC Business Regalia has the lowest annual fee.

Card 1

IDFC Diamond Reserve

Frequent travelers who can use lounge visits, lower forex friction, and premium trip benefits.8.7

Card 2

HDFC Business Regalia

Frequent travelers who can use lounge visits, lower forex friction, and premium trip benefits.8.2
IDFC Diamond Reserve
Balanced value8.7

idfc / VISA

IDFC Diamond Reserve

Annual

₹3,000

Return

6.6%

Lounges

4

Forex

0%

Card summary
  • IDFC Diamond Reserve leans travel and lifestyle with ₹3,000 annual fee, 6.6% headline return potential, and 4 lounge access.
Pros
  • Strong benefit ceiling if you recover the ₹3,000 annual fee.
  • 6.6% reward rate can outperform flat cashback for loyal users.
  • 4 lounge access adds travel utility.
Cons
  • Low forex markup matters mainly if you travel internationally.
  • Higher ₹36,00,000 income expectation narrows eligibility.
  • Travel value depends on actually using lounge and trip perks.
Best for

Frequent travelers who can use lounge visits, lower forex friction, and premium trip benefits.

Value profile

Balanced fee-to-benefit setup for regular card users.

Full card details
HDFC Business Regalia - HDFC credit card
Balanced value8.2

hdfc / VISA

HDFC Business Regalia

Annual

₹2,500

Return

4%

Lounges

12

Forex

2%

Card summary
  • HDFC Business Regalia leans travel and lifestyle with ₹2,500 annual fee, 4% headline return potential, and 12 lounge access.
Pros
  • Strong benefit ceiling if you recover the ₹2,500 annual fee.
  • 4% reward rate can outperform flat cashback for loyal users.
  • 12 lounge access adds travel utility.
Cons
  • Low forex markup matters mainly if you travel internationally.
  • Higher ₹15,00,000 income expectation narrows eligibility.
  • Travel value depends on actually using lounge and trip perks.
Best for

Frequent travelers who can use lounge visits, lower forex friction, and premium trip benefits.

Value profile

Balanced fee-to-benefit setup for regular card users.

Full card details
Metric
IDFC Diamond Reserve
HDFC Business Regalia
Fees
Annual fee
₹3,000
₹2,500
Joining fee
₹3,000
₹2,500
Rewards
Cashback rate
0.5%
1%
Reward rate
6.6%
4%
Travel
Forex markup
0%
2%
Domestic lounges
2
8
International lounges
2
4
Benefits
Fuel waiver
Yes
Yes
Dining
No
Yes
Movies
Yes
No
Eligibility
Minimum income
₹36,00,000
₹15,00,000

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