HDFC Bank Diners Club Black Metal Edition Credit Card vs HDFC Moneyback Credit Card

* 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

• Annual Spend based benefit: By spending Rs. 50,000 and above in each calendar quarter, get Rs. 500 worth gift vouchers
• Renewal Offer: In the first year, spend Rs. 50,000 and above to get renewal membership fee waived off
• Get 2 Reward Points on every Rs. 150 spent 
• Get 2X Reward Points i.e. 4 Reward Points on every Rs. 150 spent online (With effect from 15th July 2020, cardholders can earn up to 500 Reward Points per statement cycle for online spends, under the 2X RP feature)
• Every quarter, get a gift voucher worth Rs. 500 on spends of Rs. 50,000. Earn up to Rs. 2,000 worth gift vouchers in a year
• Zero Lost card liability
• Up to 50 days of interest free period from the date of purchase
• Enjoy Revolving Credit at nominal interest rate
• Enjoy amazing dining benefits with Good Food Trail program. Get up to 20 % savings off on all restaurant bill payments via Swiggy Dineout (20k + restaurants). This offer is inclusive of Restaurant and Swiggy Discount. This offer is valid only on payments done via Swiggy App
• 1% Fuel Surcharge waiver on fuel transactions on minimum transaction of Rs. 400 and maximum transaction of Rs. 5,000
• Avail facility of converting big spends into EMI after purchase
• HDFC Bank MoneyBack Credit Card is enabled for contactless payments
• Reward Points can be used for redemption against travel benefits such as Flight and Hotel bookings, and the card members can redeem up to a maximum of 50% of the booking value through Reward Points and Rewards Catalogue at the SmartBuy Rewards Portal

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

Pros

• Zero liability on the lost card if reported immediately
• With the EMV Chip technology presented in the card, stay protected against fraud
• Avail up to 50 days of the interest-free period from the date of purchase, and enjoy Revolving Credit at a nominal interest rate

Cons

• The Reward points are only valid for 2 years
• No complimentary Airport Lounge Access
• High-interest rate of 3.49%