HDFC Diners Club Black vs SBI Prime
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
SBI Prime wins 6-2. Step up from SimplyClick with lounge access. HDFC Diners Club Black is still the right call if frequent travelers spending ₹2l+/month.
Side-by-side
| Criterion | HDFC Diners Club Black | SBI Prime |
|---|---|---|
| Annual fee | · ₹10,000 | ₹2,999 |
| Joining fee | · ₹10,000 | ₹2,999 |
| Top reward rate | · 3.3% (general) | 5% (shopping) |
| Base reward rate | 3.3% | · 1.25% |
| Forex markup | = N/A | = 3.5% |
| Welcome bonus | = Annual fee waiver + 10,000 reward points | = ₹3,000 e-gift voucher (Aditya Birla / Bata / Pantaloons / Yatra) |
| Fee waiver threshold | · ₹500,000 / yr | ₹300,000 / yr |
| Min income | · ₹1,750,000 | ₹480,000 |
| Min credit score | · 800 | 750 |
| Editorial rating | 4.8/5 | · 4.2/5 |
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 Prime
- 10x reward points on dining + grocery + departmental + movies
- 5x on utility bill payments
- 8 domestic + 4 international lounge visits/year
- Trident Privilege Red membership
FAQ
›HDFC Diners Club Black vs SBI Prime: which is better?
SBI Prime wins on more dimensions (6 vs 2). But the right answer depends on your specific spending pattern. Run your own monthly spend through the maximizer to see which one pays you more.
›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 Prime 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 Prime: ₹3,000 e-gift voucher (Aditya Birla / Bata / Pantaloons / Yatra).