Paytm HDFC Bank Digital Credit Card vs HDFC Diners Club Black

Joining Fees

₹149

₹10,000

Editor's Rating

2.5

4.6

Key Features

  • First Year Fee will get waived off on retail spends of Rs. 1,500/1,000 in the first month
  • In a calendar year, Renewal Year Fee will get waived off on retail spends of Rs. 25,000
  • Avail 2% accelerated cashback on using the Scan & Pay feature on Paytm App - Select Merchants only
  • Get 2% cashback on key accelerated categories - Swiggy and Uber
  • Avail 1% cashback on all other Retail Spends including Paytm spends
  • Utility Bill Payments: By registering the Credit Card with SmartPay, HDFC Bank's Utility Bill payment service, you can be ensured that all your utility bills will be paid on time easily and conveniently
  • If your card is lost, by reporting it immediately to the bank's 24-hour call centre, you will have zero liability for any fraudulent transactions made on your card
  • Get 1% fuel surcharge waived off on fuel transactions between Rs. 400 and  Rs. 5,000.
  • Obtain up to 50 days of interest free credit 
  • Enjoy No Cost & Low cost EMI options on your credit card
  • 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)  

Editor's Review

Pros

  • Welcome Benefits
  • Avail 2% accelerated cashback on using the Scan & Pay feature on Paytm App - Select Merchants only
  • Get 2% cashback on key accelerated categories - Swiggy and Uber

Cons

  • No golf benefits
  • No discount on partner restaurants through Dineout
  • No airport lounge access

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


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