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. Times Black ICICI Bank Credit Card: Unlimited domestic lounge.

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 Add another card →

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 HDFC Bank Diners Club Black Low fee HDFC Bank Diners Club 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 Unlimited

Times Black ICICI Bank

Annual fee ₹20,000 Waivable at ₹25,00,000 spend
Forex markup 1.49%
Domestic lounge Unlimited

Reward earning explained

Per card

Diners Club Black

5 pts / ₹150 on General spend

Limited data

Times Black

2 pts / ₹100 on General spend

Limited data

Pick based on what matters

6 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 (Unlimited vs Unlimited).

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).

Diners Club Black: Limited data Times Black: Limited data
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%).

Diners Club Black: Limited data Times Black: Limited data
Lounge access Tie

Both cards are similar for lounge access

Domestic lounge access is unlimited.
Rewards HDFC Bank Diners Club Black wins

HDFC Bank Diners Club Black is better for rewards

HDFC Bank Diners Club Black is stronger here. HDFC Bank Diners Club Black returns ~3.3% vs ICICI Bank Times Black's ~2.0% at base spend.

Diners Club Black: Limited data Times Black: Limited data
Annual fee HDFC Bank Diners Club Black wins

HDFC Bank Diners Club Black is better for fees

HDFC Bank Diners Club Black is stronger here. HDFC Bank Diners Club Black has a lower annual fee (₹10,000 vs ₹20,000).

Diners Club Black: Limited data Times Black: Limited data
upi Tie

Both cards are similar for UPI usage

Diners Club network does not support UPI payments. Visa network does not support UPI payments.

Verify with issuer

All fields

Standard view

Example usage at this monthly spend

At ₹50k/month spend:

Diners Club Black: ~₹1,670/month at base rate
Times Black ICICI Bank: ~₹1,000/month at base rate

Illustrative only, using current base rates before caps.

Field	Diners Club Black HDFC Bank	Times Black ICICI Bank
Lounge Access
Domestic lounge visits	Unlimited	Unlimited
International lounge visits 6/year vs 12/year	6/year	12/year
Forex / International Use
Forex markup Source agreement differs — verify both. 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
Rewards
Reward points (base spend) 5 pts/₹150 vs 2 pts/₹100	5 pts/₹150	2 pts/₹100
Point cash value	₹1	₹1

Notes

Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.