Head-to-head · 🇮🇳 India
HDFC Diners Club Black vs SBI Aurum
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
Premium
HDFC Bank
HDFC Diners Club Black
DINERS CLUB
Wins 3 of 10
IN
Premium
SBI Card
SBI Aurum
Wins 4 of 10
Verdict
SBI Aurum wins 4-3. Invitation-only super-premium SBI metal card. HDFC Diners Club Black is still the right call if frequent travelers spending ₹2l+/month.
Side-by-side
| Criterion | HDFC Diners Club Black | SBI Aurum |
|---|---|---|
| Annual fee | · ₹10,000 | ₹9,999 |
| Joining fee | · ₹10,000 | ₹9,999 |
| Top reward rate | · 3.3% (general) | 4% (general) |
| Base reward rate | · 3.3% | 4% |
| Forex markup | = N/A | = N/A |
| Welcome bonus | = Annual fee waiver + 10,000 reward points | = 10,000 reward points + ₹10,000 brand voucher |
| Fee waiver threshold | ₹500,000 / yr | · ₹1,500,000 / yr |
| Min income | ₹1,750,000 | · ₹3,500,000 |
| Min credit score | = 800 | = 800 |
| Editorial rating | 4.8/5 | · 4.6/5 |
Benefits compared
HDFC Diners Club Black
- 10x reward points on SmartBuy partners (flights, hotels)
- 6 complimentary international lounge visits per quarter (Priority Pass)
- Unlimited domestic lounge access
- 2 complimentary golf rounds per month at 280+ courses
- Annual memberships: Amazon Prime, Swiggy One, Disney+ Hotstar, Times Prime
SBI Aurum
- 4 reward points per ₹100 (~4% value)
- Unlimited domestic + 6 international lounge visits/quarter
- Concierge 24x7
- Taj Inner Circle membership
- 2 free golf rounds/month
FAQ
›HDFC Diners Club Black vs SBI Aurum: which is better?
SBI Aurum wins on more dimensions (4 vs 3). But the right answer depends on your specific spending pattern, see the calculator below.
›Can I get both?
Yes, if your credit profile supports it, holding both is the optimal play. Use HDFC Diners Club Black for its best categories, SBI Aurum for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
HDFC Diners Club Black: Annual fee waiver + 10,000 reward points. SBI Aurum: 10,000 reward points + ₹10,000 brand voucher.