- Annual fee ₹10,000 Waivable at ₹5,00,000 spend
- Forex markup 2%
- Domestic lounge Unlimited
Pairwise comparison
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HDFC Bank Diners Club Black vs ICICI Bank Emeralde Credit Cards – Fees, Lounge, Forex
Side-by-side comparison of the HDFC Bank Diners Club Black and the ICICI Bank Emeralde. Verify fees, lounge access, forex markup, and base rewards before you apply.
Rewards HDFC Bank Diners Club Black
Quick comparison
Three core metrics- Annual fee ₹12,000 Waivable at ₹10,00,000 spend
- Forex markup 2%
- Domestic lounge Unlimited
Reward earning explained
Per card5 pts / ₹150 on General spend
Limited data6 pts / ₹100 on General spend
Limited dataPick based on what matters
6 dimensionsStart with the constraint you care about most: annual fee (HDFC Bank Diners Club Black: ₹10,000 vs ICICI Bank Emeralde: ₹12,000), forex markup (2% vs 2%), or lounge access (Unlimited vs Unlimited).
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Travel Tie Both cards are similar for travel
Forex markup is 2%.
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Forex markup Tie Both cards are similar for forex
Forex markup is 2%.
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Lounge access Tie Both cards are similar for lounge access
Domestic lounge access is unlimited.
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Rewards HDFC Bank Diners Club Black wins HDFC Bank Diners Club Black is better for rewards
HDFC Bank Diners Club Black is stronger here. Estimated base reward value is ~3.3% on base spend.
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Annual fee Tie Both cards are similar for fees
Annual fee is ₹10,000. Annual fee is ₹12,000.
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upi Tie Both cards are similar for UPI usage
Diners Club network does not support UPI payments. Visa network does not support UPI payments.
All fields
Example usage at this monthly spend
At ₹50k/month spend:
- Diners Club Black: ~₹1,670/month at base rate
- Emeralde: ~₹750/month at base rate
Illustrative only, using current base rates before caps.
| Field | Diners Club Black HDFC Bank | Emeralde ICICI Bank |
|---|---|---|
| Lounge Access | ||
| Domestic lounge visits | Unlimited | Unlimited |
| International lounge visits Only available for Diners Club Black | 6/year | Not specified |
| Forex / International Use | ||
| Forex markup | 2% | 2% |
| Fees | ||
| Annual fee ₹10,000 vs ₹12,000 | ₹10,000 | ₹12,000 |
| Joining fee ₹10,000 vs ₹12,000 | ₹10,000 | ₹12,000 |
| Fee waiver spend ₹5,00,000 vs ₹10,00,000 | ₹5,00,000 | ₹10,00,000 |
| Rewards | ||
| Reward points (base spend) 5 pts/₹150 vs 6 pts/₹100 | 5 pts/₹150 | 6 pts/₹100 |
| Point cash value ₹1 vs ₹0.25 | ₹1 | ₹0.25 |
Notes
- Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.