HDFC Diners Club Black vs Kotak Zen Signature
Detailed comparison of these two popular credit cards
Winner
HDFC Diners Club Black
HDFC Bank
Super PremiumVS
Kotak Zen Signature
Kotak Mahindra Bank
Mid-RangeAnnual Fee
₹10K vs ₹2K
Effective Rate
(cash value)
1.7% vs 0.8%
Lounge Access
Unlimited vs 2/quarter (₹60K spend required for LTF variant)
Detailed Comparison
| Feature | HDFC Diners Club Black | Kotak Zen Signature |
|---|---|---|
Fees & Charges | ||
| Joining Fee | ₹10K | ₹2K |
| Annual Fee | ₹10K | ₹2K |
| Fee Waiver | Spend ₹5L annually | None (LTF variant requires ₹60K/quarter for lounge) |
| Forex Markup | 2% | - |
Rewards | ||
| Reward Type | ⭐Reward Points | ⭐Reward Points |
| Effective Cash Value | 1.67% | 0.83% |
Lounge Access | ||
| Domestic Lounges | Unlimited | 2/quarter (₹60K spend required for LTF variant) |
| Priority Pass | Yes | - |
Eligibility | ||
| Min. Income | ₹15.0L | ₹4.8L |
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: 24
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