HDFC Diners Club Black vs RBL IndianOil XTRA
Detailed comparison of these two popular credit cards
Winner
HDFC Diners Club Black
HDFC Bank
Super PremiumVS
RBL IndianOil XTRA
RBL Bank
Mid-Range*
Different Reward Types
Card 1 gives ⭐ Reward Points while Card 2 gives ⛽ Fuel Points. We're showing effective cash values for fair comparison.
Annual Fee
₹10K vs ₹2K
Effective Rate
(cash value)
1.7% vs 0.3%
Lounge Access
Unlimited vs None
Detailed Comparison
| Feature | HDFC Diners Club Black | RBL IndianOil XTRA |
|---|---|---|
Fees & Charges | ||
| Joining Fee | ₹10K | ₹2K |
| Annual Fee | ₹10K | ₹2K |
| Fee Waiver | Spend ₹5L annually | Spend ₹2.75L annually |
| Forex Markup | 2% | - |
Rewards | ||
| Reward Type | ⭐Reward Points | ⛽Fuel Points |
| Effective Cash Value | 1.67% | 0.25% |
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
RBL IndianOil XTRA is Best For
IndianOil fuel users
Watch Out
- • Max benefit ₹400/month on fuel
Our Verdict
Based on overall features and value,
HDFC Diners Club Black wins!
Score: 65vsScore: 17
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