Which card has a lower forex fee: HDFC Bank Diners Club Black Credit Card or SBI Card Prime?

HDFC Bank Diners Club Black Credit Card has lower forex markup (2% vs 3.5%).

Which card has a lower annual fee: HDFC Bank Diners Club Black Credit Card or SBI Card Prime?

SBI Card Prime has a lower annual fee (₹2,999 vs ₹10,000).

Which card offers better lounge access?

HDFC Bank Diners Club Black Credit Card: Unlimited domestic lounge access. SBI Card Prime: 2 per quarter domestic lounge.

Which card has a higher base reward rate?

Base reward rates are not fully available for both cards in the current snapshot.

Pairwise comparison Compare 3+ cards →

HDFC Bank Diners Club Black vs SBI Card Prime Credit Cards – Fees, Lounge, Forex

Side-by-side comparison of the HDFC Bank Diners Club Black and the SBI Card Prime. Verify fees, lounge access, forex markup, and base rewards before you apply.

Forex 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

Prime SBI Card

Annual fee ₹2,999 Waivable at ₹3,00,000 spend
Forex markup 3.5%
Domestic lounge 2/quarter

Reward earning explained

Per card

Diners Club Black

5 pts / ₹150 on General spend

Limited data

Prime

20 pts / ₹100 on Utility (domestic) (Standing Instructions on utility bill tran…

Limited data

Pick based on what matters

4 dimensions

Start with the constraint you care about most: annual fee (HDFC Bank Diners Club Black: ₹10,000 vs SBI Card Prime: ₹2,999), forex markup (2% vs 3.5%), or lounge access (Unlimited vs 2/quarter).

Travel Insufficient data

Insufficient data to compare travel

Only HDFC Bank Diners Club Black has comparable evidence here. Forex markup is 2%.

Diners Club Black: Limited data Prime: Limited data
Forex markup HDFC Bank Diners Club Black wins

HDFC Bank Diners Club Black is better for forex

HDFC Bank Diners Club Black is stronger here. Forex markup is 2%.
Lounge access Tie

Both cards are similar for lounge access

Domestic lounge access is unlimited. Domestic lounge access is 2 per quarter.
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.

Diners Club Black: Limited data Prime: Limited data

Confidence: Low (limited information available)

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
SBI Prime: Base earn not clearly specified

Illustrative only, using current base rates before caps.

Swipe for all fields

Field	Diners Club Black HDFC Bank	Prime SBI Card
Lounge Access
Domestic lounge visits Unlimited vs 2/quarter	Unlimited	2/quarter
International lounge visits Only available for SBI Prime	Not specified	4/year
Forex / International Use
Forex markup Source agreement differs — verify both. 2% vs 3.5%	2%	3.5%
Fees
Annual fee ₹10,000 vs ₹2,999	₹10,000	₹2,999
Joining fee ₹10,000 vs ₹2,999	₹10,000	₹2,999
Fee waiver spend ₹5,00,000 vs ₹3,00,000	₹5,00,000	₹3,00,000
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.