Spar SBI Card PRIME vs HDFC Diners Club Black

• Cumulative milestone benefits up to 58,000 RP worth Rs 14,500
• On overall annual retail spends of Rs 500,000, avail 20,000 bonus Reward Points
• On annual spends of Rs 40,000 across all Landmark Stores, earn 6000 bonus Reward Points
• On annual spends of Rs 100,000 across all Landmark Stores, earn 12,000 bonus Reward Points
• 1% Fuel Surcharge Waiver 

• 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                                                                                                                                                                                                                                                                                                                                                                                                   

• Welcome Benefits include getting 12,000 bonus reward points equivalent to Rs. 3,000 on payment of Annual Fees
• Spar SBI Card PRIME can be used in over 24 million outlets globally, including 3,25,000 outlets in India
• Avail 20,000 bonus Reward Points on annual spends of Rs 180,000 across all Landmark Stores               

Cons 

• No Golf/coaching sessions
• Usage of USD 27 plus applicable taxes will be charged on Spar SBI card PRIME for all visits post the complimentary visits

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