Which card has a lower forex fee: HDFC Bank Diners Club Black Credit Card or Times Black ICICI Bank Credit Card?

Times Black ICICI Bank Credit Card has lower forex markup (1.49% vs 2%).

Which card has a lower annual fee: HDFC Bank Diners Club Black Credit Card or Times Black ICICI Bank Credit Card?

HDFC Bank Diners Club Black Credit Card has a lower annual fee (₹10,000 vs ₹20,000).

Which card offers better lounge access?

HDFC Bank Diners Club Black Credit Card: Unlimited domestic lounge + Unlimited international. Times Black ICICI Bank Credit Card: Unlimited domestic lounge + Unlimited international.

Which card has a higher base reward rate?

HDFC Bank Diners Club Black Credit Card has higher base reward value (~3.33% vs ~2%).

Pairwise comparison Compare 3+ cards →

HDFC Bank Diners Club Black vs ICICI Bank Times Black Credit Cards – Fees, Lounge, Forex

Side-by-side comparison of the HDFC Bank Diners Club Black and the ICICI Bank Times Black. Verify fees, lounge access, forex markup, and base rewards before you apply.

Travel ICICI Bank Times Black Forex ICICI Bank Times Black Rewards ICICI Bank Times Black

Quick comparison

Three core metrics

Diners Club Black HDFC Bank

Annual fee ₹10,000 Waivable at ₹5,00,000 spend
Forex markup 2%
Domestic lounge Not specified

Times Black ICICI Bank

Annual fee ₹20,000 Waivable at ₹25,00,000 spend
Forex markup 1.49%
Domestic lounge Not specified

Reward earning explained

Per card

Diners Club Black

5 pts / ₹150

Limited data

Times Black

2 pts / ₹100

Limited data

Pick based on what matters

4 dimensions

Start with the constraint you care about most: annual fee (HDFC Bank Diners Club Black: ₹10,000 vs ICICI Bank Times Black: ₹20,000), forex markup (2% vs 1.49%), or lounge access (Not specified vs Not specified).

Travel ICICI Bank Times Black wins

ICICI Bank Times Black is better for travel

ICICI Bank Times Black is stronger here. ICICI Bank Times Black is cheaper for international spend (1.49% vs 2% forex).
Forex markup ICICI Bank Times Black wins

ICICI Bank Times Black is better for forex

ICICI Bank Times Black is stronger here. ICICI Bank Times Black has a lower forex markup (1.49% vs 2%).
Lounge access Tie

Both cards are similar for lounge access

Domestic lounge access is unlimited.
Rewards ICICI Bank Times Black wins

ICICI Bank Times Black is better for rewards

ICICI Bank Times Black is stronger here. ICICI Bank Times Black conservative base value ~2% vs HDFC Bank Diners Club Black's ~1%.

HDFC Bank Diners Club Black

Confidence: Low (limited information available)

Verify with issuer

ICICI Bank Times Black

Confidence: Low (limited information available)

Verify with issuer

All fields

Standard view

Example usage at this monthly spend

At ₹50k/month spend:

Times Black ICICI Bank: ~₹1,000/month at base rate
Diners Club Black: ~₹500/month at base rate

Illustrative only, using current base rates before caps.

Swipe for all fields

Field	Diners Club Black HDFC Bank	Times Black ICICI Bank
Lounge Access
Domestic lounge visits Missing for one or more cards	Not specified	Not specified
Forex / International Use
Forex markup 2% vs 1.49%	2%	1.49%
Fees
Annual fee ₹10,000 vs ₹20,000	₹10,000	₹20,000
Joining fee ₹10,000 vs ₹20,000	₹10,000	₹20,000
Fee waiver spend ₹5,00,000 vs ₹25,00,000	₹5,00,000	₹25,00,000
Interest-free period Up to 50 days vs Up to 48 days	Up to 50 days	Up to 48 days
Rewards
Base earn 5 pts / ₹150 vs 2 pts / ₹100	5 pts / ₹150	2 pts / ₹100
Conservative base value ~1% vs ~2%	~1%	~2%
Point value (headline channel) Issuer headline rate at the travel/SmartBuy channel — not the lowest redemption option. Only available for Diners Club Black	₹1	Not specified
Point validity Only available for Diners Club Black	2 years	Not specified

Notes

Some data has low confidence — verify with the issuer before relying on it.
Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.