- 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.
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
6 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%.
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Forex markup Tie Both cards are similar for forex
Forex markup is 2%.
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Lounge access Tie Both cards are similar for lounge access
Domestic lounge access is unlimited. Domestic lounge access is 8/year.
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Rewards Insufficient data Insufficient data to compare rewards
Only HDFC Bank Diners Club Black has comparable evidence here. Estimated base reward value is ~3.3% on base spend.
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Annual fee Insufficient data Insufficient data to compare fees
Only HDFC Bank Diners Club Black has comparable evidence here. Annual fee is ₹10,000.
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upi Tie Both cards are similar for UPI usage
Diners Club network does not support UPI payments. Visa network does not support UPI payments.
All fields
Example usage at this monthly spend
At ₹50k/month spend:
- Diners Club Black: ~₹1,670/month at base rate
- SBI ELITE: ~₹250/month at base rate
Illustrative only, using current base rates before caps.
| Field | 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 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 cash value ₹1 vs ₹0.25 | ₹1 | ₹0.25 |
Notes
- Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.