HDFC Diners Club Black vs HDFC IndianOil Credit Card
Detailed comparison of these two popular credit cards
Winner
HDFC Diners Club Black
HDFC Bank
Super PremiumVS
HDFC IndianOil Credit Card
HDFC Bank
Mid-Range*
Different Reward Types
Card 1 gives ⭐ Reward Points while Card 2 gives ⛽ Fuel Points. We're showing effective cash values for fair comparison.
Annual Fee
₹10K vs ₹500
Effective Rate
(cash value)
1.7% vs 5.0%
Lounge Access
Unlimited vs None
Detailed Comparison
| Feature | HDFC Diners Club Black | HDFC IndianOil Credit Card |
|---|---|---|
Fees & Charges | ||
| Joining Fee | ₹10K | ₹500 |
| Annual Fee | ₹10K | ₹500 |
| Fee Waiver | Spend ₹5L annually | Spend ₹50K annually |
| Forex Markup | 2% | - |
Rewards | ||
| Reward Type | ⭐Reward Points | ⛽Fuel Points |
| Effective Cash Value | 1.67% | 5% |
Lounge Access | ||
| Domestic Lounges | Unlimited | None |
| Priority Pass | Yes | - |
Eligibility | ||
| Min. Income | ₹15.0L | ₹3.0L |
HDFC Diners Club Black is Best For
High spenders at large merchants
Watch Out
- • Diners Club has limited acceptance in India
HDFC IndianOil Credit Card is Best For
IndianOil loyalists spending ₹5K/month on fuel
Watch Out
- • Only works at IndianOil pumps
- • Max benefit ₹250/month (effective ~0.5% on ₹50K fuel spend)
Our Verdict
Based on overall features and value,
HDFC Diners Club Black wins!
Score: 65vsScore: 64
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