HDFC Diners Club Black vs Kotak White Reserve
Detailed comparison of these two popular credit cards
HDFC Diners Club Black
HDFC Bank
Super PremiumVS
Winner
Kotak White Reserve
Kotak Mahindra Bank
Super PremiumAnnual Fee
₹10K vs ₹13K
Effective Rate
(cash value)
1.7% vs 2.5%
Lounge Access
Unlimited vs Unlimited
Detailed Comparison
| Feature | HDFC Diners Club Black | Kotak White Reserve |
|---|---|---|
Fees & Charges | ||
| Joining Fee | ₹10K | ₹13K |
| Annual Fee | ₹10K | ₹13K |
| Fee Waiver | Spend ₹5L annually | Spend ₹10L annually |
| Forex Markup | 2% | 2% |
Rewards | ||
| Reward Type | ⭐Reward Points | ⭐Reward Points |
| Effective Cash Value | 1.67% | 2.5% |
Lounge Access | ||
| Domestic Lounges | Unlimited | Unlimited |
| Priority Pass | Yes | Yes |
Eligibility | ||
| Min. Income | ₹15.0L | ₹36.0L |
HDFC Diners Club Black is Best For
High spenders at large merchants
Watch Out
- • Diners Club has limited acceptance in India
Kotak White Reserve is Best For
Ultra-premium lifestyle with unlimited lounges
View Kotak White Reserve DetailsOur Verdict
Based on overall features and value,
Kotak White Reserve wins!
Score: 65vsScore: 73
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