Side-by-side · honest numbers
HDFC Diners Club Black Metal vs ICICI Coral Credit Card vs Standard Chartered Ultimate Credit Card
Honest side-by-side comparison of HDFC Diners Club Black Metal, ICICI Coral Credit Card, Standard Chartered Ultimate Credit Card — 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, Standard Chartered Ultimate Credit Card ranks first for estimated net annual value — ahead of ICICI Coral Credit Card by about ₹4,870/yr.
| Feature | HDFC Diners Club Black Metal HDFC Bank | ICICI Coral Credit Card ICICI Bank | Standard Chartered Ultimate Credit Card Standard Chartered |
|---|---|---|---|
| Annual fee | ₹10,000 | ₹500 | ₹5,000 |
| Min income (monthly) | ₹1,50,000 | ₹30,000 | ₹60,000 |
| Top reward rate | 10X points | 2 RP/₹100 | 5% |
| Net annual value (moderate spend) | -₹5,617/yr | ₹90/yr | ₹4,960/yr |
| Secured / FD-backed | No | No | No |
| Signup bonus | — | — | — |
Frequently asked questions
- Which card has the lower annual fee?
- ICICI Coral Credit Card has the lowest annual fee at ₹500.
- Which card earns more on moderate spend?
- Standard Chartered Ultimate Credit Card leads with an estimated ₹4,960/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- ICICI Coral Credit Card lists a minimum monthly income of ₹30,000.
- 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 | 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 | ICICI BankGold ICICI Coral Credit Card •••• •••• •••• 4242 Quick facts ICICI Coral Credit Card Top reward2 RP/₹100 Annual fee₹500 Min income₹30,000/mo Tap to flip back ICICI Coral Credit Card ICICI Bank | Standard CharteredPlatinum Standard Chartered Ultimate Credit Card •••• •••• •••• 4242 Quick facts Standard Chartered Ultimate Credit Card Top reward5% Annual fee₹5,000 Min income₹60,000/mo Tap to flip back Standard Chartered Ultimate Credit Card Standard Chartered |
|---|---|---|---|
| Annual fee | ₹10,000 | ₹500 | ₹5,000 |
| Min income | ₹1,50,000 | ₹30,000 | ₹60,000 |
| Top reward rate | 10X points | 2 RP/₹100 | 5% |
| Net value (moderate) | -₹5,617/yr | ₹90/yr | ₹4,960/yr |
| Secured / no bureau | Standard | Standard | Standard |
| Signup bonus | — | — | — |
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