Side-by-side · honest numbers
Bajaj Finserv RBL Bank SuperCard vs HDFC Bharat Cashback Credit Card vs HDFC Diners Club Black Metal
Honest side-by-side comparison of Bajaj Finserv RBL Bank SuperCard, HDFC Bharat Cashback Credit Card, HDFC Diners Club Black Metal — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.
At a glance (moderate spend)
Quick verdict: On moderate spend, HDFC Bharat Cashback Credit Card ranks first for estimated net annual value — ahead of Bajaj Finserv RBL Bank SuperCard by about ₹6,169/yr.
| Feature | Bajaj Finserv RBL Bank SuperCard RBL Bank | HDFC Bharat Cashback Credit Card HDFC Bank | HDFC Diners Club Black Metal HDFC Bank |
|---|---|---|---|
| Annual fee | ₹999 | ₹0 | ₹10,000 |
| Min income (monthly) | ₹25,000 | ₹15,000 | ₹1,50,000 |
| Top reward rate | 2X points/₹150 | 5% cashback | 10X points |
| Net annual value (moderate spend) | -₹739/yr | ₹5,430/yr | -₹5,617/yr |
| Secured / FD-backed | No | No | No |
| Signup bonus | — | — | — |
Frequently asked questions
- Which card has the lower annual fee?
- HDFC Bharat Cashback Credit Card has a ₹0 annual fee (lifetime free or zero-fee tier).
- Which card earns more on moderate spend?
- HDFC Bharat Cashback Credit Card leads with an estimated ₹5,430/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- HDFC Bharat Cashback Credit Card lists a minimum monthly income of ₹15,000.
- Does this comparison pull my credit score?
- No. CardHungry estimates net value from public fee and reward rules only — no bureau check.
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Your adjusted comparison
| Feature | RBL BankGold Bajaj Finserv RBL Bank SuperCard •••• •••• •••• 4242 Quick facts Bajaj Finserv RBL Bank SuperCard Top reward2X points/₹150 Annual fee₹999 Min income₹25,000/mo Tap to flip back Bajaj Finserv RBL Bank SuperCard RBL Bank | HDFC BankClassic HDFC Bharat Cashback Credit Card •••• •••• •••• 4242 Quick facts HDFC Bharat Cashback Credit Card Top reward5% cashback Annual feeLifetime Free Min income₹15,000/mo Tap to flip back HDFC Bharat Cashback Credit Card HDFC Bank | HDFC BankMetal HDFC Diners Club Black Metal •••• •••• •••• 4242 Quick facts HDFC Diners Club Black Metal Top reward10X points Annual fee₹10,000 Min income₹1,50,000/mo Tap to flip back HDFC Diners Club Black Metal HDFC Bank |
|---|---|---|---|
| Annual fee | ₹999 | ₹0 | ₹10,000 |
| Min income | ₹25,000 | ₹15,000 | ₹1,50,000 |
| Top reward rate | 2X points/₹150 | 5% cashback | 10X points |
| Net value (moderate) | -₹739/yr | ₹5,430/yr | -₹5,617/yr |
| Secured / no bureau | Standard | Standard | Standard |
| Signup bonus | — | — | — |
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