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 / ₹100 spent; International Spends: 20 Reward Points / ₹100 spent; Other Eligible Retail Spends (including Weekday Dining): 2 Reward Points / ₹100 spent
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 / ₹150 spent via SmartBuy); SmartBuy Flights: Up to 5X Reward Points (5 RP / ₹150 spent via SmartBuy); SmartBuy Gyftr: Up to 3X Reward Points (15 RP / ₹150 spent on instant vouchers via SmartBuy)
| Feature | Icon Credit Card | Diners Club Black Metal Edition Credit Card |
|---|---|---|
| Issuer | RBL Bank | HDFC Bank |
| Network | Visa | Diners Club |
| Joining fee | Rs 5,000 | Rs 10,000 |
| Annual fee | Rs 5,000 | Rs 10,000 |
| Fee waiver spend | - | Rs 8,00,000 |
| Reward type | Reward Points | Reward Points |
| Best for | Dining, Travel, Lounge, Golf | Premium Travel, Lounge, SmartBuy, Dining, Golf |
| Top reward categories | Dining Spends On Weekends: 20 Reward Points / ₹100 spent; International Spends: 20 Reward Points / ₹100 spent; Other Eligible Retail Spends (including Weekday Dining): 2 Reward Points / ₹100 spent | SmartBuy Hotels: Up to 10X Reward Points (10 RP / ₹150 spent via SmartBuy); SmartBuy Flights: Up to 5X Reward Points (5 RP / ₹150 spent via SmartBuy); SmartBuy Gyftr: Up to 3X Reward Points (15 RP / ₹150 spent on instant vouchers via SmartBuy) |
| SmartBuy / accelerated caps | Not Listed | 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 3,000 Reward Points |
| Domestic lounge | 8 | Unlimited |
| International lounge | 0 | Unlimited |
| Forex markup | 2% | 2% |
| Milestone benefits | 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 | 10,000 bonus reward points per quarter on spends of ₹4 lakh or more, Renewal fee waived on spending ₹8 lakh in 12 months |
| Redemption | Not Listed | SmartBuy travel: upto ₹ 1 per point; Air miles: upto ₹ 1 per point; Statement credit: upto ₹ 0.3 per point |
| Key exclusions | Fuel transactions, Utility bill payments, Insurance spends, Rent and real estate payments, Education payments, Wallet loading | fuel, rent, wallet loads, government transactions, cash withdrawal, emi transactions |