Side-by-side · honest numbers
HDFC Diners Club Black Metal vs IndusInd Bank Avios Visa Infinite Credit Card vs YES ACE Credit Card
Honest side-by-side comparison of HDFC Diners Club Black Metal, IndusInd Bank Avios Visa Infinite Credit Card, YES ACE 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, YES ACE Credit Card ranks first for estimated net annual value — ahead of HDFC Diners Club Black Metal by about ₹10,751/yr.
| Feature | HDFC Diners Club Black Metal HDFC Bank | IndusInd Bank Avios Visa Infinite Credit Card IndusInd Bank | YES ACE Credit Card YES Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹10,000 | ₹10,000 | ₹499 |
| Fee waiver threshold | No waiver published | No waiver published | No waiver published |
| Min income | ₹1,50,000/mo | ₹75,000/mo | ₹25,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | -₹6,300/yr | -₹8,536/yr | ₹4,451/yr |
| Fuel | — | — | 4% cashback → ₹160/mo (₹1,920/yr) |
| Travel | 5 pts per ₹150 spend → ₹83/mo (₹1,000/yr) | 5 pts per ₹150 spend → ₹50/mo (₹600/yr) | — |
| Top reward rate | 10X points | 5X Avios points | 4% cashback |
| Primary reward cap | No monthly cap published | No monthly cap published | ₹1,000 eligible spend/mo |
| Perks & restrictions | |||
| Lounge access | Unlimited domestic + international · No minimum spend — show physical card at lounge (DreamFolks / Diners network) | Unlimited lounge access · No minimum spend required for lounge access | Domestic lounge visits (limited) · YES ACE lounge benefit is spend-linked — verify current threshold on YES Bank site |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Wallet | EMI · Fuel · Rent · Wallet | EMI · Rent |
| Bonuses | |||
| Signup bonus | — | — | — |
Frequently asked questions
- Which card has the lower annual fee?
- YES ACE Credit Card has the lowest annual fee at ₹499.
- Which card earns more on moderate spend?
- YES ACE Credit Card leads with an estimated ₹4,451/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- YES ACE 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.
HDFC Diners Club Black Metal
HDFC Bank
IndusInd Bank Avios Visa Infinite Credit Card
IndusInd Bank
YES ACE Credit Card
YES Bank
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 | IndusInd BankInfinite IndusInd Bank Avios Visa Infinite Credit Card •••• •••• •••• 4242 Quick facts IndusInd Bank Avios Visa Infinite Credit Card Top reward5X Avios points Annual fee₹10,000 Min income₹75,000/mo Tap to flip back IndusInd Bank Avios Visa Infinite Credit Card IndusInd Bank | YES BankGold YES ACE Credit Card •••• •••• •••• 4242 Quick facts YES ACE Credit Card Top reward4% cashback Annual fee₹499 Min income₹25,000/mo Tap to flip back YES ACE Credit Card YES Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹10,000 | ₹10,000 | ₹499 |
| Fee waiver threshold | No waiver published | No waiver published | No waiver published |
| Min income | ₹1,50,000/mo | ₹75,000/mo | ₹25,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | -₹6,300/yr | -₹8,536/yr | ₹4,451/yr |
| Fuel | — | — | 4% cashback → ₹160/mo (₹1,920/yr) |
| Travel | 5 pts per ₹150 spend → ₹83/mo (₹1,000/yr) | 5 pts per ₹150 spend → ₹50/mo (₹600/yr) | — |
| Top reward rate | 10X points | 5X Avios points | 4% cashback |
| Primary reward cap | No monthly cap published | No monthly cap published | ₹1,000 eligible spend/mo |
| Perks & restrictions | |||
| Lounge access | Unlimited domestic + international · No minimum spend — show physical card at lounge (DreamFolks / Diners network) | Unlimited lounge access · No minimum spend required for lounge access | Domestic lounge visits (limited) · YES ACE lounge benefit is spend-linked — verify current threshold on YES Bank site |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Wallet | EMI · Fuel · Rent · Wallet | EMI · Rent |
| Bonuses | |||
| Signup bonus | — | — | — |
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https://cardhungry.com/in/en/compare/hdfc-diners-black-vs-indusind-avios-vs-yes-aceMore HDFC Diners Club Black Metal comparisons
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