Shortlist 2–4 cards
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.
| Feature | Diners Club Black | ELITE |
|---|---|---|
| Annual fee | ₹10,000 Waivable at ₹5,00,000 spend | ₹4,999 Waivable at ₹10,00,000 spend |
| Forex fee | 2% | 1.99% |
| Domestic lounge | Unlimited | 8/year |
Fees: ELITE wins
Confidence: High
Forex: ELITE wins
Confidence: Medium (verify with issuer)
Lounge: Diners Club Black wins
Confidence: High
Confidence varies by card — verify issuer terms
Start 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).
Explore: HDFC Bank Diners Club Black card page · SBI Card ELITE 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: High
Verify with issuer (opens in new tab)At ₹50k/month spend:
Illustrative only, using current base rates before caps.
| Diners Club Black HDFC Bank | ELITE SBI Card | |
|---|---|---|
| Lounge Access | ||
| Domestic lounge visits Unlimited vs 8/year | Unlimited | 8/year |
| International lounge visits | 6/year | 6/year |
| Forex / International Use | ||
| Forex markup Source agreement differs — verify both. 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 cash value ₹1 vs ₹0.25 | ₹1 | ₹0.25 |