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 / ₹150 spent; Utility, Insurance, Grocery, School, Property Management And Government Spends: 3 reward points / ₹150 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 | Beyond Credit Card | Diners Club Black Metal Edition Credit Card |
|---|---|---|
| Issuer | Standard Chartered | HDFC Bank |
| Network | Visa | Diners Club |
| Joining fee | Rs 15,000 | Rs 10,000 |
| Annual fee | Rs 25,000 | Rs 10,000 |
| Fee waiver spend | - | Rs 8,00,000 |
| Reward type | 360° Rewards Points | Reward Points |
| Best for | Priority Banking, Travel, Lounge, Golf, Dining | Premium Travel, Lounge, SmartBuy, Dining, Golf |
| Top reward categories | Other Retail Spends: 5 reward points / ₹150 spent; Utility, Insurance, Grocery, School, Property Management And Government Spends: 3 reward points / ₹150 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 | Unlimited | Unlimited |
| International lounge | Unlimited | Unlimited |
| Forex markup | 2% | 2% |
| Milestone benefits | Annual fee waiver subject to Funds Under Management (FUM) criteria in the last 3 months prior to fee levy | 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 | Cash withdrawal / cash advance transactions, Fees and charges (including annual fee and finance charges), Fuel transactions | fuel, rent, wallet loads, government transactions, cash withdrawal, emi transactions |