HDFC Diners Club Black vs IRCTC BOB RuPay Credit Card
Detailed comparison of these two popular credit cards
Winner
HDFC Diners Club Black
HDFC Bank
Super PremiumVS
IRCTC BOB RuPay Credit Card
Bank of Baroda
Mid-RangeAnnual Fee
₹10K vs ₹350
Effective Rate
(cash value)
1.7% vs 0.5%
Lounge Access
Unlimited vs None
Detailed Comparison
| Feature | HDFC Diners Club Black | IRCTC BOB RuPay Credit Card |
|---|---|---|
Fees & Charges | ||
| Joining Fee | ₹10K | ₹500 |
| Annual Fee | ₹10K | ₹350 |
| Fee Waiver | Spend ₹5L annually | Spend ₹50K annually |
| Forex Markup | 2% | - |
Rewards | ||
| Reward Type | ⭐Reward Points | ⭐Reward Points |
| Effective Cash Value | 1.67% | 0.5% |
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
Our Verdict
Based on overall features and value,
HDFC Diners Club Black wins!
Score: 65vsScore: 19
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