Compare AU Small Finance Bank Zenith Credit Card vs InterMiles HDFC Bank Diners Club Credit Card

* Gain 20 Reward Points per Rs.100 retail spends done on Dining at standalone restaurants
* Earn 10 Reward Points per Rs.100 retail spends done on International transactions, Grocery and Departmental stores
* Avail 5 Reward Points per Rs.100 retail spends done across all other merchant categories
* Quarterly Milestone Beneﬁts: Get Rs. 1,000 vouchers on minimum Rs. 2 lakh retail spends that’s done per calendar quarter. Choose vouchers from a bouquet of top brands
* Yearly Milestone Beneﬁts: Avail complimentary Epicure Membership of doing minimum Rs. 8 lakh retail spends in a card anniversary year
* Enjoy lower International foreign mark-up fees of 1.99% on International transactions
* Birthday Benefit: Get 2,500 Bonus Reward Points on completing one retail transaction on birthday
* Get complimentary domestic and international lounge access at 1,000+ airport lounges
* Avail 2 complimentary lounge access per calendar quarter, using the Priority Pass at all participating lounges
* Get 4 complimentary domestic lounge access per calendar quarter using the VISA Card
* Railway Lounges: Get 2 complimentary lounge access per calendar quarter, using VISA Card at railway stations in selected cities

Renewal Benefits

A. Continue the exciting journey with 10,000 InterMiles upon spending Rs. 20,000 with in first 30 days of Anniversary date

Experience savings on Flight & Hotel bookings:

A. Get Rs. 1000 Flight Discount vouchers

B. Get Rs. 2000 Hotel Discount vouchers

Do note that these Renewal benefits are only applicable on realization of membership fee

Get 8 InterMiles on every Rs. 150 spent on retail spends
Get 16 InterMiles on every Rs 150 spent on every flight ticket booked on https://flights.intermiles.com
Get 16 InterMiles on every Rs. 150 spent on every Hotel booked via Interbook.intermiles.com
Privileges on Etihad Airways

A. Obtain 10% discount on Etihad Airways Business Class tickets booked on http://flights.intermiles.com

B. Obtain 5% discount on Etihad Airways Economy Class tickets booked on http://flights.intermiles.com

C. Avail 2.5X bonus InterMiles for Etihad Airways tickets booked on http://flights.intermiles.com

Unlimited Complimentary golf games at leading courses in India and selected courses across the globe
Unlimited complimentary Golf coaching at selected golf courses in India
Domestic Lounge Program

A. Relax in some of the leading lounges via the Exclusive Lounge Program

B. Get Unlimited Airport lounge access to 1000+ Lounges within India

C. Get refreshments and use some of the following facilities phones, faxes, Internet and conference rooms

1% fuel surcharge waiver at fuel stations in India on minimum transaction of Rs. 400
Air accident insurance cover worth Rs 2 crore
Emergency overseas hospitalization cover worth Rs. 50 Lakhs
Travel Insurance Cover of up to Rs. 55,000 on baggage delay
Credit Liability Cover of up to Rs. 9 Lakh
Zero liability on lost card
Revolving Credit is available at an interest rate of 1.99% per month
Avail up to 50 days of free credit period from the date of purchase
Avail up to 3 Add-on Cards
Save up to 25% on dining bills paid via Dineout Pay via the InterMiles HDFC Bank Diners Club Credit Card. Get 15% Dineout Discount plus Additional 10% HDFC Bank Discount

Pros
* Get Air Accident Cover of up to Rs. 2 Crore, Card Liability Cover, get protected against Card Counterfeit/Skimming/Online frauds, and Credit Shield of up to Rs. 5 Lakhs
* Convert transactions worth Rs. 2,000 or more into easy EMI options on selected tenure chosen by you
* Avail Add on card that is free for lifetime

Cons
* No golf privileges
* No Airmiles

Pros

Welcome benefits
Obtain 10% discount on Etihad Airways Business Class tickets, 5% discount on Etihad Airways Economy Class tickets booked, and 2.5X bonus InterMiles for Etihad Airways tickets
Golf benefits and Unlimited Airport lounge access to 1000+ Lounges within India

Cons