- 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 SBI Card ELITE Credit Cards – Fees, Lounge, Forex
Side-by-side comparison of the HDFC Bank Diners Club Black and the SBI Card ELITE. 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 ₹4,999 Waivable at ₹10,00,000 spend
- Forex markup 1.99%
- Domestic lounge 8/year
Reward earning explained
Per card5 pts / ₹150 on General spend
Limited data2 pts / ₹100 on General spend
Limited dataPick based on what matters
4 dimensionsStart with the constraint you care about most: annual fee (HDFC Bank Diners Club Black: ₹10,000 vs SBI Card ELITE: ₹4,999), forex markup (2% vs 1.99%), or lounge access (Unlimited vs 8/year).
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Travel Tie Both cards are similar for travel
Forex markup is 2%. Forex markup is 1.99%.
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Forex markup Tie Both cards are similar for forex
Forex markup is 2%. Forex markup is 1.99%.
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Lounge access Tie Both cards are similar for lounge access
Domestic lounge access is unlimited. Domestic lounge access is 8 per year.
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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.
Confidence: Low (limited information available)
Verify with issuer (opens in new tab)All fields
Example usage at this monthly spend
At ₹50k/month spend:
- Diners Club Black: ~₹1,670/month at base rate
- SBI ELITE: Base earn not clearly specified
Illustrative only, using current base rates before caps.
Swipe for all fields
| Field | Diners Club Black HDFC Bank | ELITE SBI Card |
|---|---|---|
| Lounge Access | ||
| Domestic lounge visits Unlimited vs 8/year | Unlimited | 8/year |
| International lounge visits Only available for SBI ELITE | Not specified | 6/year |
| Forex / International Use | ||
| Forex markup Limited support — verify with issuer. 2% vs 1.99% | 2% | 1.99% |
| Fees | ||
| Annual fee ₹10,000 vs ₹4,999 | ₹10,000 | ₹4,999 |
| Joining fee ₹10,000 vs ₹4,999 | ₹10,000 | ₹4,999 |
| 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 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.