Equitas Selfe Credit Card
Rs 1,000Annual fee
Rs 2,40,000Fee waiver spend
4Domestic lounge
Domestic lounge conditions
- 1 complimentary domestic airport lounge access per calendar quarter (4 per year).
3.5%Forex markup
Best for
dining, grocery, online, lifestyle
Top rewards
2 chosen accelerated categories: apparel, dining, grocery, utility, or taxi: 10 Reward Points / Rs 100 spent (on 2 chosen categories); All other retail spends: 2 Reward Points / Rs 100 spent
HDFC Bank Diners Club Privilege Credit Card
Rs 1,000Annual fee
Rs 3,00,000Fee waiver spend
8Domestic lounge
Domestic lounge conditions
- Complimentary lounge access (8 domestic and 4 international visits per year, unlocked as 2 domestic and 1 international visit per quarter) is spend-based starting 1 July 2026: Requires spending Rs 60,000 in the preceding calendar quarter.
- Complimentary lounge access (8 domestic and 4 international visits per year, unlocked as 2 domestic and 1 international visit per quarter) is spend-based starting 1 July 2026: Requires spending Rs 60,000 in the preceding calendar quarter.
3.5%Forex markup
Best for
dining, movies, smartbuy, lounge, lifestyle
Top rewards
swiggy zomato: 20 Reward Points / Rs 200 spent on Swiggy and Zomato; Hotels via SmartBuy (10X): 40 Reward Points / Rs 200 spent on hotels via SmartBuy (10X); Flights via SmartBuy (5X): 20 Reward Points / Rs 200 spent on flights via SmartBuy (5X)
| Feature | Equitas Selfe Credit Card | HDFC Bank Diners Club Privilege Credit Card |
|---|---|---|
| Issuer | Equitas Small Finance Bank | HDFC Bank |
| Network | Visa, RuPay | Diners Club |
| Joining fee | Rs 1,000 | Rs 1,000 |
| Annual fee | Rs 1,000 | Rs 1,000 |
| Fee waiver spend | Rs 2,40,000 | Rs 3,00,000 |
| Reward type | reward points | reward points |
| Best for | dining, grocery, online, lifestyle | dining, movies, smartbuy, lounge, lifestyle |
| Top reward categories | 2 chosen accelerated categories: apparel, dining, grocery, utility, or taxi: 10 Reward Points / Rs 100 spent (on 2 chosen categories); All other retail spends: 2 Reward Points / Rs 100 spent | swiggy zomato: 20 Reward Points / Rs 200 spent on Swiggy and Zomato; Hotels via SmartBuy (10X): 40 Reward Points / Rs 200 spent on hotels via SmartBuy (10X); Flights via SmartBuy (5X): 20 Reward Points / Rs 200 spent on flights via SmartBuy (5X) |
| SmartBuy / accelerated caps | Not listed | smartbuy hotels: daily 2,000 reward points, monthly 2,000 reward points; smartbuy flights: daily 2,000 reward points, monthly 2,000 reward points; smartbuy: daily 2,000 reward points, monthly 4,000 reward points |
| Domestic lounge | 4 | 8 |
| International lounge | 0 | 4 |
| Forex markup | 3.5% | 3.5% |
| Milestone benefits | Not listed | Vouchers worth Rs 1,500 from brands like Marriott Experience, Barbeque Nation, Lakme Salon, O2 Spa, Decathlon, McDonald's, or Domino's on quarterly spends of Rs 1.5 lakh |
| Redemption | Not listed | SmartBuy travel: upto Rs 0.5 per point; Air miles: upto Rs 0.5 per point; Statement credit: upto Rs 0.2 per point |
| Key exclusions | Fuel transactions (surcharge waiver only, no reward points), Cash advance transactions, EMI conversion transactions, Wallet loading transactions, Rent payments, Government spends & tax payments | fuel, rent, wallet loads, government transactions, cash withdrawal, emi transactions |