HDFC Diners Club Black vs IDFC FIRST Select
Detailed comparison of these two popular credit cards
Winner
HDFC Diners Club Black
HDFC Bank
Super PremiumVS
IDFC FIRST Select
IDFC FIRST Bank
Mid-RangeAnnual Fee
₹10K vs FREE
Effective Rate
(cash value)
1.7% vs 0.8%
Lounge Access
Unlimited vs 1/quarter (₹20K spend required from Apr 2026)
Detailed Comparison
| Feature | HDFC Diners Club Black | IDFC FIRST Select |
|---|---|---|
Fees & Charges | ||
| Joining Fee | ₹10K | FREE |
| Annual Fee | ₹10K | FREE |
| Fee Waiver | Spend ₹5L annually | None |
| Forex Markup | 2% | 1.99% |
Rewards | ||
| Reward Type | ⭐Reward Points | ⭐Reward Points |
| Effective Cash Value | 1.67% | 0.75% |
Lounge Access | ||
| Domestic Lounges | Unlimited | 1/quarter (₹20K spend required from Apr 2026) |
| Priority Pass | Yes | - |
Eligibility | ||
| Min. Income | ₹15.0L | ₹12.0L |
HDFC Diners Club Black is Best For
High spenders at large merchants
Watch Out
- • Diners Club has limited acceptance in India
IDFC FIRST Select is Best For
Best lifetime free card overall
Watch Out
- • Rewards reduced by 25% from 2026
- • Lounge access requires ₹20K spend from Apr 2026
Our Verdict
Based on overall features and value,
HDFC Diners Club Black wins!
Score: 65vsScore: 41
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