HDFC Business MoneyBack Credit Card vs HDFC Bank Diners Club Black Metal Edition Credit Card

• Welcome Benefit: Complimentary Annual Zomato Gold Membership when you spend Rs. 75,000 and above in the first three months. Do note the offer is not applicable for cards sourced after 20th January, 2021
• Get 2,500 Bonus Reward Points on annual spends of Rs. 1,80,000
• Spend Rs. 20,000 & above in the first 90 days to get first-year membership fee waived off
• Spend Rs. 50,000 in 12 Months to get Renewal Fee waived for next renewal year
• 4 Reward Points for every Rs.150 spent on online spends
• 2 Reward Points for Rs 150 on other expenses (Except fuel)
• 5% Cashback on Telecom, Electricity, Government/Tax, Railway, Hotels & Dining and Taxi. Note: Maximum cashback of Rs.250 per statement on minimum monthly spends of Rs.10,000
• The Current Account Holders will avail double cashback on all Business essentials such as Telecom, Utility, Govt and Tax payments only up to Rs. 500 per statement
• Avail POS Rental Reversal on monthly spendings of Rs 30,000 on the credit card and monthly volume of Rs 25,000 on POS machine capped at Rs.1000 per month
• 1% fuel surcharge waiver at all fuel stations in India on minimum transactions of Rs. 400. Maximum CashBack of Rs.250 per statement cycle
• Get Exclusive complimentary Dineout Passport Membership that offers:

1. Flat 25% off at 2000+ premium restaurants
2. 1+1 on buffet at 200+ restaurants
3. Early access to events and festivals such as Gourmetlicious.

Please Note: The Dineout Passport Membership is applicable when the individual spends Rs.30,000 and more every calendar quarter using its Business Moneyback Credit Card. The Membership is valid for 3 Months – One city

• The accumulated Reward Points can be redeemed for CashBack (100 Reward Points = Rs. 20) (min. redemption amount should be Rs. 2500)
• With EasyEMI for SMEs facility, you don’t need to block your capital 
• Purchase interiors, furniture, electronics, ACs and more in bulk with No Cost EMI offer on brands like Damro, Dash Square, Durian Industries, EVOK, Furniturewalla, Godrej Interior, Royal Oak, Stanley, The Maark Trendz, Kelvinator, Blue Star, Reliance Digital

* 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

Pros

• Avail up to 20% savings for payments done via Dineout Pay. Including Additional 5% off on paying using the Dineout Pay that’s linked to Business Moneyback
• Zero liability on the lost card
• Enjoy Revolving Credit on your Credit Card at a nominal interest rate

Cons

• No complimentary golf/coaching sessions
• Airport Lounge Access: Priority Pass - Charge of $27 + taxes, will be applicable on all the lounge visits exceeding the complimentary cap.

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