AU Ixigo Credit Card vs HDFC Diners Club Black
Detailed comparison of these two popular credit cards
AU Ixigo Credit Card
AU Small Finance Bank
EntryVS
Winner
HDFC Diners Club Black
HDFC Bank
Super PremiumAnnual Fee
FREE vs ₹10K
Effective Rate
(cash value)
1.3% vs 1.7%
Lounge Access
8/year vs Unlimited
Detailed Comparison
| Feature | AU Ixigo Credit Card | HDFC Diners Club Black |
|---|---|---|
Fees & Charges | ||
| Joining Fee | FREE | ₹10K |
| Annual Fee | FREE | ₹10K |
| Fee Waiver | None | Spend ₹5L annually |
| Forex Markup | 0% | 2% |
Rewards | ||
| Reward Type | ⭐Reward Points | ⭐Reward Points |
| Effective Cash Value | 1.25% | 1.67% |
Lounge Access | ||
| Domestic Lounges | 8/year | Unlimited |
| Priority Pass | - | Yes |
Eligibility | ||
| Min. Income | ₹3.0L | ₹15.0L |
AU Ixigo Credit Card is Best For
Budget travelers (if grandfathered on zero forex)
Watch Out
- • Zero forex removed for new cardholders
- • Lounge now requires ₹20K/quarter spend
- • International rewards removed Dec 2024
HDFC Diners Club Black is Best For
High spenders at large merchants
Watch Out
- • Diners Club has limited acceptance in India
Our Verdict
Based on overall features and value,
HDFC Diners Club Black wins!
Score: 50vsScore: 65
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