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)
Standard Chartered Beyond Credit Card
Rs 25,000Annual fee
UnlimitedDomestic lounge
Domestic lounge conditions
- Unlimited complimentary domestic and international airport lounge access
- 4 complimentary guest lounge visits per year
- Unlimited domestic and international lounge access is provided for the cardholder, plus 4 complimentary guest visits per year.
2%Forex markup
Best for
priority banking, travel, lounge, golf, dining
Top rewards
Other retail spends: 5 reward points / Rs 150 spent; Utility, insurance, grocery, school, property management and government spends: 3 reward points / Rs 150 spent
| Feature | HDFC Bank Diners Club Black Metal Edition Credit Card | Standard Chartered Beyond Credit Card |
|---|---|---|
| Issuer | HDFC Bank | Standard Chartered |
| Network | Diners Club | Visa |
| Joining fee | Rs 10,000 | Rs 15,000 |
| Annual fee | Rs 10,000 | Rs 25,000 |
| Fee waiver spend | Rs 8,00,000 | - |
| Reward type | reward points | 360° Rewards points |
| Best for | premium travel, lounge, smartbuy, dining, golf | priority banking, travel, lounge, golf, dining |
| 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) | Other retail spends: 5 reward points / Rs 150 spent; Utility, insurance, grocery, school, property management and government spends: 3 reward points / Rs 150 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 | Unlimited |
| International lounge | Unlimited | Unlimited |
| 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 | Annual fee waiver subject to Funds Under Management (FUM) criteria in the last 3 months prior to fee levy |
| Redemption | SmartBuy travel: upto Rs 1 per point; Air miles: upto Rs 1 per point; Statement credit: upto Rs 0.3 per point | Statement credit: upto Rs 1 per point |
| Key exclusions | fuel, rent, wallet loads, government transactions, cash withdrawal, emi transactions | Cash withdrawal / cash advance transactions, Fees and charges (including annual fee and finance charges), Fuel transactions |