HDFC Moneyback Credit Card vs HDFC Diners Club Black

• You’ll receive Welcome Benefit of 500 Cash Points that’s applicable only on the payment of the membership fee
• In the first 90 days, spend Rs. 20000 or above and get first-year membership fee waived off
• Accumulate and redeem reward points for cash-back against outstanding amount on your Credit Card (100 points = Rs. 20)
• In the first year, spend Rs. 50,000 or above and get renewal membership fee waived off
• Earn 2 Reward Points on every Rs 150 spent
• Every quarter receive a gift voucher worth Rs. 500 on spends of Rs 50,000. Get up to Rs. 2,000 worth of gift vouchers in a year
• While doing online shopping, earn 4 reward points for every Rs 150 you spend online with the card. (With effect from 15th July 2020, customers can get up to 500 Reward Points per statement cycle for the online spends, under the 2X RP feature.)
• Spend Rs 50,000 in a Quarter and avail Rs 500 worth E-Voucher
• Renew membership for free by just spending Rs. 50,000 in a year before the renewal date
• 1% fuel surcharge waiver at any fuel stations in India, on minimum transaction Rs. 400 and Max CashBack of Rs. 250 per statement cycle
• If your HDFC Moneyback Credit Card gets lost, report immediately and avail zero liability on any fraudulent transactions made on the Credit Card

Rewards Rate:

• Reward Points accumulated can be redeemed against statement balance at the rate 1 RP = Rs. 0.20
• Reward Points can even be used to redeem against travel benefits such as Flight & Hotel bookings and Rewards Catalogue at the SmartBuy Rewards Portal: 1 CashPoint = Rs. 0.25

• Complimentary Annual memberships of Club Marriott, Forbes, Amazon Prime, Swiggy One (3 months) and MMT BLACK   
• Complimentary Ola cabs | cult.fit Live | BookMyShow | TataCliQ vouchers on spends of over Rs. 80,000 every month
• Avail 5 Reward Points for every Rs 150 spent
• Up to 10X Reward Points via SmartBuy
• HDFC Bank x Swiggy Dineout - Good food Trail: Enjoy FLAT 10% EXTRA OFF on dining bills at 35K+ restaurants
• Complimentary Golf games across the finest courses in the world ( 6 per quarter)       
• Travel benefits: Book flight tickets / hotels across 150+  airlines and choice of hotels (Domestic & International) at https://offers.smartbuy.hdfcbank.com/diners
                                       
• Dining privileges includes 2X on weekend dining
• Up to 50 days of interest free credit period on the credit card
• Credit liability cover: Rs. 9 lakh
• Foreign Currency Markup:  2% on all your foreign currency spends
• Revolving Credit is available at a nominal interest rate on the HDFC Bank Diners Club Black Credit Card
• 24/7 Concierge Services
• Unlimited Airport lounge access to 1000+ Lounges in India and worldwide for primary and add-on card members
• 1% fuel surcharge waiver at all fuel stations in India on minimum transaction of Rs. 400 and Max CashBack of Rs. 1000 per statement cycle
• Milestone Benefit: As the milestone benefit the credit card holders can select any 2 benefits amongst cult.fit Live 1 month membership or BookMyShow or TataCLiQ or Ola cabs vouchers worth Rs. 500 every month on spends of Rs. 80,000
• Annual Spend based benefit: Complimentary annual memberships of Club Marriott, Forbes, Amazon Prime, Swiggy One (3 months), MMT BLACK can also be availed upon achieving annual spend of Rs 8 Lakhs at the time of card anniversary
• HDFC Bank Diners Club Black Credit Card comes with an option to convert big spends into EMI after purchase
• Contactless Payment

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%

Pros

• Air accident insurance cover worth Rs 2 crore
• Emergency overseas hospitalization: Rs. 50 Lakh
• Travel Insurance Cover of up to Rs. 55,000 on baggage delay                                                               
• Credit Liability Cover of up to Rs. 9 Lakh
• Diners Exclusive Offers: Fast Track Airport Experience, Dining Delight (exclusive dining offers, from gourmet cuisine to local delicacies), Luxury Spas access, and Small Medium Enterprise (SME), which is tailor-made offers such as workspaces, business insurance and wellness discounts to meet business needs

Cons

• Joining and renewal fee is on the higher side