IDFC Club Vistara Credit Card vs HDFC Diners Club Black

Complimentary Club Vistara Silver Membership:
• Priority airport check in
• Increased Check-In Baggage allowance within and outside India
• Priority Waitlist Clearance & Complimentary In flight Wi-fi

Power Up Your Spends:
• Earn up to 6 CV Points on all spends including Utility bill payments, Insurance, Fuel, Rent & Wallet Load
A. 6 CV Points: Spends up to Rs. 1 lakh
B. 4 CV Points: Spends above Rs. 1 lakh
C. 10 CV Points: On dining spends on cardholder’s birthday
D. 1 CV Point: On every Fuel, Insurance, Utility, Rent & Wallet Load spend

Bonus CV Points:
• Get up to 6000 bonus CV Points on crossing monthly spend milestones in the first 3 months
A. Earn up to 6000 CV points by spending minimum Rs.30,000/- every month for 3 applicable billing cycles

Spend Milestone Benefits:
• Unlock up to 5 Premium Economy Ticket Vouchers every anniversary year

Airport Lounge Access:
• Enjoy 8 complimentary visits to domestic airport lounges and spas along with 4 complimentary visits to international airport lounges yearly
A.  2 complimentary visits to domestic airport lounges and spas per quarter
B. 1 complimentary visit to international airport lounge per quarter

* Competitive forex mark-up of just 2.99% on international transactions

* Fuel Surcharge of 1%

• 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 and 2X on weekend dining
• HDFC Bank x Swiggy Dineout - Good food Trail: Enjoy FLAT 10% EXTRA OFF on dining bills at 35K+ restaurants      
• Travel benefits: Book flight tickets / hotels across 150+  airlines and choice of hotels (Domestic & International) at https://offers.smartbuy.hdfcbank.com/diners
• 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, Times Prime, 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
• 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
• Complimentary Golf games across the finest courses in the world ( 6 per quarter)  

Pros

* Enjoy 12 complimentary golf lessons and 4 complimentary rounds of golf every year, and  50% Off on the green fee beyond complimentary sessions
* Get trip cancellation cover up to Rs. 10,000 on flight and hotel booking (2 claims annually)
* Air Accident Cover of Rs. 1 crore, Personal Accident Cover of Rs 10,00,000 and Lost Card Liability Cover of Rs. 50,000, and Additional Coverage for loss of checked-in baggage, delay of checked-in baggage, loss of passport & other documents, and flight delay of USD 1200

Cons
* For some individuals, the membership fees might seem high
* The reward redemption charge is Rs. 99

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