HDFC Diners Club Black vs RBL Bank Insignia
Detailed comparison of these two popular credit cards
Winner
HDFC Diners Club Black
HDFC Bank
Super PremiumVS
RBL Bank Insignia
RBL Bank
Super PremiumAnnual Fee
₹10K vs ₹7K
Effective Rate
(cash value)
1.7% vs 1.3%
Lounge Access
Unlimited vs 2/quarter (₹35K spend req)
Detailed Comparison
| Feature | HDFC Diners Club Black | RBL Bank Insignia |
|---|---|---|
Fees & Charges | ||
| Joining Fee | ₹10K | ₹7K |
| Annual Fee | ₹10K | ₹7K |
| Fee Waiver | Spend ₹5L annually | Spend ₹10L annually or Insignia PB customer |
| Forex Markup | 2% | 1.5% |
Rewards | ||
| Reward Type | ⭐Reward Points | ⭐Reward Points |
| Effective Cash Value | 1.67% | 1.25% |
Lounge Access | ||
| Domestic Lounges | Unlimited | 2/quarter (₹35K spend req) |
| Priority Pass | Yes | Yes |
Eligibility | ||
| Min. Income | ₹15.0L | ₹24.0L |
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: 41
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