Shortlist 2–4 cards
Side-by-side comparison of the HDFC Bank Diners Club Black and the Kotak Mahindra Bank White Reserve. Verify fees, lounge access, forex markup, and base rewards before you apply.
| Feature | Diners Club Black | White Reserve |
|---|---|---|
| Annual fee | ₹10,000 Waivable at ₹5,00,000 spend | ₹12,500 Waivable at ₹10,00,000 spend |
| Forex fee | 2% | 2% |
| Domestic lounge | Unlimited | Unlimited |
Fees: Diners Club Black wins
Confidence: High
Forex: Tie
Confidence: High
Lounge: Tie
Confidence: Medium (verify with issuer)
Confidence: Medium (verify with issuer)
Start with the constraint you care about most: annual fee (HDFC Bank Diners Club Black: ₹10,000 vs Kotak Mahindra Bank White Reserve: ₹12,500), forex markup (2% vs 2%), or lounge access (Unlimited vs Unlimited).
Explore: HDFC Bank Diners Club Black card page · Kotak Mahindra Bank White Reserve card page · best credit cards in India
If this pair is close, these are the next useful side-by-side checks.
Confidence: High
Verify with issuer (opens in new tab)Confidence: Medium (verify with issuer)
Verify with issuer (opens in new tab)At ₹50k/month spend:
Illustrative only, using current base rates before caps.
| Diners Club Black HDFC Bank | White Reserve Kotak Mahindra 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 ₹12,500 | ₹10,000 | ₹12,500 |
| Joining fee ₹10,000 vs ₹12,500 | ₹10,000 | ₹12,500 |
| 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 2 pts/₹100 | 5 pts/₹150 | 2 pts/₹100 |
| Point cash value | ₹1 | ₹1 |