HDFC Diners Club Black vs Kotak 811 Credit Card
Detailed comparison of these two popular credit cards
Winner
HDFC Diners Club Black
HDFC Bank
Super PremiumVS
Kotak 811 Credit Card
Kotak Mahindra Bank
EntryAnnual Fee
₹10K vs ₹500
Effective Rate
(cash value)
1.7% vs 0.2%
Lounge Access
Unlimited vs None
Detailed Comparison
| Feature | HDFC Diners Club Black | Kotak 811 Credit Card |
|---|---|---|
Fees & Charges | ||
| Joining Fee | ₹10K | ₹0 |
| Annual Fee | ₹10K | ₹500 |
| Fee Waiver | Spend ₹5L annually | Spend ₹50K annually |
| Forex Markup | 2% | - |
Rewards | ||
| Reward Type | ⭐Reward Points | ⭐Reward Points |
| Effective Cash Value | 1.67% | 0.2% |
Lounge Access | ||
| Domestic Lounges | Unlimited | None |
| Priority Pass | Yes | - |
Eligibility | ||
| Min. Income | ₹15.0L | ₹1.8L |
HDFC Diners Club Black is Best For
High spenders at large merchants
Watch Out
- • Diners Club has limited acceptance in India
Kotak 811 Credit Card is Best For
Entry-level card for Kotak customers
Watch Out
- • Reward point value reduced from ₹0.25 to ₹0.10 in Jun 2025
Our Verdict
Based on overall features and value,
HDFC Diners Club Black wins!
Score: 65vsScore: 14
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