Citi Rewards Credit Card vs HDFC Bank Diners Club Black Metal Edition Credit Card
Joining Fees
₹1,000
₹10,000
Editor's Rating
4.1
4.1
Key Features
- Earn minimum 1 reward point for every 125 on all purchases
- Gain 10X reward points at online, physical department, and apparel stores
- Gain 300 bonus points on card purchase of Rs. 30,000 or more in a month
- You can either redeem your points now or keep collecting them – it's a choice you have because they will never expire
- Instant Loans
* Unlimited Airport lounge access in India and worldwide for primary and add-on card members
* 6 Complimentary Golf games every quarter across the finest courses in the world
* Obtain complimentary Annual memberships of Club Marriott, Amazon Prime, Swiggy One as Welcome Benefit (This benefit can be availed by spending Rs. 1.5 Lakh within the first 90 days of card issuance)
* Avail 10,000 Bonus Reward Points on spends of Rs. 4 lakh every calendar quarter
* Earn 2X Reward Points on Weekend Dining
* Earn 5 Reward Points for every Rs. 150 retail spends
* Earn up to 10X Reward Points on spends via SmartBuy
* Up to 50 days of interest-free credit period
* Credit liability cover worth Rs. 9 lakh
* 2% on all foreign currency spends
* You can convert big spends into EMI after the purchase
* Enjoy contactless payments on HDFC Bank POS machines
* Air accident insurance cover worth Rs. 2 Crore
* Emergency overseas hospitalisation: Rs. 50 Lacs
* Travel Insurance Cover up to Rs. 55,000 on baggage delay beyond 8 hours for international flight
* Get the Renewal Fee waived for the next renewal year by spending Rs. 8 Lakhs in 12 Months
* Credit Liability Cover of up to Rs. 9 Lakh
* Fast-Track Airport Experience
* The Small Medium Enterprise (SME) program offers customized solutions like workspaces, business insurance, and wellness discounts to meet small and medium-sized businesses' needs
Editor's Review
Pros
- Get rewarded every time you shop
- Redeem Miles instantly via SMS against purchases at leading brands
- Turn big purchases into small payments
Cons
- No Golf/coaching sessions
- No complimentary Airport Lounge access
Pros
* Enjoy wonderful dining benefits with the Good Food Trail program
* Obtain up to 25% savings off on all restaurant bill payments via Swiggy Dineout
* The Dining Delight program provides distinct dining offers ranging from gourmet cuisine to local delicacies.
* Enjoy access to some of the best spas in India at special rates
Cons
* No complimentary offers for movie tickets
* The travel benefits only come only in the form of lounge access, there are no air miles or co-branded benefits provided
* Joining fee is on higher side
