HDFC Bank Diners Club Black Metal Edition Credit Card
Rs 10,000Annual fee
Rs 8,00,000Fee waiver spend
UnlimitedDomestic lounge
Domestic lounge conditions
- Unlimited complimentary airport lounge access worldwide for primary and add-on cardholders.
- Unlimited complimentary airport lounge access worldwide for primary and add-on cardholders.
2%Forex markup
Best for
premium travel, lounge, smartbuy, dining, golf
Top rewards
smartbuy hotels: Up to 10X Reward Points (10 RP / Rs 150 spent via SmartBuy); smartbuy flights: Up to 5X Reward Points (5 RP / Rs 150 spent via SmartBuy); smartbuy gyftr: Up to 3X Reward Points (15 RP / Rs 150 spent on instant vouchers via SmartBuy)
RBL Bank Icon Credit Card
Rs 5,000Annual fee
8Domestic lounge
Domestic lounge conditions
- 2 complimentary visits per quarter, unlocked by spending ₹35,000 or more in the previous calendar quarter
2%Forex markup
Best for
dining, travel, lounge, golf
Top rewards
Dining spends on weekends: 20 Reward Points / Rs 100 spent; International spends: 20 Reward Points / Rs 100 spent; Other eligible retail spends (including weekday dining): 2 Reward Points / Rs 100 spent
| Feature | HDFC Bank Diners Club Black Metal Edition Credit Card | RBL Bank Icon Credit Card |
|---|---|---|
| Issuer | HDFC Bank | RBL Bank |
| Network | Diners Club | Visa |
| Joining fee | Rs 10,000 | Rs 5,000 |
| Annual fee | Rs 10,000 | Rs 5,000 |
| Fee waiver spend | Rs 8,00,000 | - |
| Reward type | reward points | reward points |
| Best for | premium travel, lounge, smartbuy, dining, golf | dining, travel, lounge, golf |
| Top reward categories | smartbuy hotels: Up to 10X Reward Points (10 RP / Rs 150 spent via SmartBuy); smartbuy flights: Up to 5X Reward Points (5 RP / Rs 150 spent via SmartBuy); smartbuy gyftr: Up to 3X Reward Points (15 RP / Rs 150 spent on instant vouchers via SmartBuy) | Dining spends on weekends: 20 Reward Points / Rs 100 spent; International spends: 20 Reward Points / Rs 100 spent; Other eligible retail spends (including weekday dining): 2 Reward Points / Rs 100 spent |
| SmartBuy / accelerated caps | smartbuy hotels: daily 10,000 reward points, monthly 10,000 reward points; smartbuy flights: daily 10,000 reward points, monthly 10,000 reward points; smartbuy gyftr: daily 10,000 reward points, monthly 10,000 reward points | Not listed |
| Domestic lounge | Unlimited | 8 |
| International lounge | Unlimited | 0 |
| Forex markup | 2% | 2% |
| Milestone benefits | 10,000 bonus reward points per quarter on spends of Rs 4 lakh or more, Renewal fee waived on spending Rs 8 lakh in 12 months | Earn 10,000 bonus reward points on annual spends of ₹3 Lakhs, Earn additional 15,000 bonus points on annual spends of ₹5 Lakhs, Earn additional 20,000 bonus points on annual spends of ₹8 Lakhs |
| Redemption | SmartBuy travel: upto Rs 1 per point; Air miles: upto Rs 1 per point; Statement credit: upto Rs 0.3 per point | Not listed |
| Key exclusions | fuel, rent, wallet loads, government transactions, cash withdrawal, emi transactions | Fuel transactions, Utility bill payments, Insurance spends, Rent and real estate payments, Education payments, Wallet loading |