Side-by-side · honest numbers
HDFC Diners Club Black Metal vs IDFC FIRST Select Credit Card vs SBI Cashback Credit Card
Honest side-by-side comparison of HDFC Diners Club Black Metal, IDFC FIRST Select Credit Card, SBI Cashback 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, SBI Cashback Credit Card ranks first for estimated net annual value — ahead of IDFC FIRST Select Credit Card by about ₹4,680/yr.
| Feature | HDFC Diners Club Black Metal HDFC Bank | IDFC FIRST Select Credit Card IDFC FIRST Bank | SBI Cashback Credit Card SBI Card |
|---|---|---|---|
| Annual fee | ₹10,000 | ₹0 | ₹999 |
| Min income (monthly) | ₹1,50,000 | ₹30,000 | ₹25,000 |
| Top reward rate | 10X points | 3X reward points | 5% |
| Net annual value (moderate spend) | -₹5,617/yr | ₹2,070/yr | ₹6,750/yr |
| Secured / FD-backed | No | No | No |
| Signup bonus | — | — | — |
Frequently asked questions
- Which card has the lower annual fee?
- IDFC FIRST Select Credit Card has a ₹0 annual fee (lifetime free or zero-fee tier).
- Which card earns more on moderate spend?
- SBI Cashback Credit Card leads with an estimated ₹6,750/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- SBI Cashback Credit Card lists a minimum monthly income of ₹25,000.
- Does this comparison pull my credit score?
- No. CardHungry estimates net value from public fee and reward rules only — no bureau check.
Customize your spend
Change spend profile or swap cards — results update live below.
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 | IDFC FIRST BankPlatinum IDFC FIRST Select Credit Card •••• •••• •••• 4242 Quick facts IDFC FIRST Select Credit Card Top reward3X reward points Annual feeLifetime Free Min income₹30,000/mo Tap to flip back IDFC FIRST Select Credit Card IDFC FIRST Bank | SBI CardGold SBI Cashback Credit Card •••• •••• •••• 4242 Quick facts SBI Cashback Credit Card Top reward5% Annual fee₹999 Min income₹25,000/mo Tap to flip back SBI Cashback Credit Card SBI Card |
|---|---|---|---|
| Annual fee | ₹10,000 | ₹0 | ₹999 |
| Min income | ₹1,50,000 | ₹30,000 | ₹25,000 |
| Top reward rate | 10X points | 3X reward points | 5% |
| Net value (moderate) | -₹5,617/yr | ₹2,070/yr | ₹6,750/yr |
| Secured / no bureau | Standard | Standard | Standard |
| Signup bonus | — | — | — |
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