Side-by-side · honest numbers
HDFC Diners Club Black Metal vs PhonePe SBI Card PURPLE
Honest side-by-side comparison of HDFC Diners Club Black Metal, PhonePe SBI Card PURPLE — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.
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Spend assumptions
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HDFC Diners Club Black Metal
HDFC Bank
PhonePe SBI Card PURPLE
SBI Card
Your adjusted comparison
| Feature | Customer service HDFC Bank · 1800-XXX-XXXX Authorized signature CVV••• HDFC Diners Club Black Metal Top reward: 10X points Annual fee: ₹10,000 Min income: ₹1,50,000/mo Property of HDFC Bank. If found, return to nearest branch. Not valid unless signed. Tap to flip back HDFC Diners Club Black Metal HDFC Bank | SBI Card PhonePe PURPLE 6521 1041 3255 9156 Valid thru 12/28 Acc CREDIT Card holder PHONEPE SBI CARD PURPL Customer service SBI Card · 1800-XXX-XXXX Authorized signature CVV••• PhonePe SBI Card PURPLE Top reward: 3% Annual fee: ₹499 Min income: ₹25,000/mo Property of SBI Card. If found, return to nearest branch. Not valid unless signed. Tap to flip back PhonePe SBI Card PURPLE SBI Card |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ₹10,000 | ₹499 |
| Fee waiver threshold | No waiver published | Waived at ₹1,00,000/yr spend |
| Min income | ₹1,50,000/mo | ₹25,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | -₹8,920/yr | ₹3,441/yr |
| Online shopping | — | ₹8,000 × 2% = ₹160/mo (₹1,920/yr) · issuer max ₹750/mo |
| Travel | ₹3,000 → 100 pts/mo × ₹0.50/pt = ₹50/mo (₹600/yr) | — |
| Utilities & bills | — | ₹1,225 × 3% = ₹36.75/mo (₹441/yr) · issuer max ₹750/mo |
| Top reward rate | 10X points | 3% |
| Primary reward cap | 3,000 accelerated pts/mo | ₹750 rewards/mo cap |
| Perks & restrictions | ||
| Lounge access | Domestic + international — spend-gated from Jul 2026 · From Jul 2026: ~₹60,000 spend in the previous calendar quarter for domestic lounge; Diners Club Privilege confirmed ₹15K→₹60K gate | None |
| UPI rewards | Not supported (Visa/MC) | Earns: 3% on PhonePe app spends (1% base on other UPI apps) · cap 250 pts/mo insurance + 750 pts/mo other PhonePe spends |
| Key exclusions | EMI · Fuel · Rent · Wallet | Fuel · Wallet top-ups · Rent · EMI · Cash advance |
| Bonuses | ||
| Signup bonus | — | ₹500 |
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Holding both may not beat using only the better solo card on this spend.
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https://cardhungry.com/in/en/compare/hdfc-diners-black-vs-phonepe-sbi-purpleReference summary
At a glance (moderate spend)
Quick verdict: On moderate spend, PhonePe SBI Card PURPLE leads HDFC Diners Club Black Metal by about ₹12,361/yr in estimated net value.
Spend assumptions for this table
Moderate user spend profile · ₹31,000/mo
₹31,000/month total spend — typical India user
Online ₹8,000 · Groceries ₹5,000 · Other ₹4,000 · Dining ₹3,500 · Bills ₹3,500
| Feature | HDFC Diners Club Black Metal HDFC Bank | PhonePe SBI Card PURPLE SBI Card |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ₹10,000 | ₹499 |
| Fee waiver threshold | No waiver published | Waived at ₹1,00,000/yr spend |
| Min income | ₹1,50,000/mo | ₹25,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | -₹8,920/yr | ₹3,441/yr |
| Online shopping | — | ₹8,000 × 2% = ₹160/mo (₹1,920/yr) · issuer max ₹750/mo |
| Travel | ₹3,000 → 100 pts/mo × ₹0.50/pt = ₹50/mo (₹600/yr) | — |
| Utilities & bills | — | ₹1,225 × 3% = ₹36.75/mo (₹441/yr) · issuer max ₹750/mo |
| Top reward rate | 10X points | 3% |
| Primary reward cap | 3,000 accelerated pts/mo | ₹750 rewards/mo cap |
| Perks & restrictions | ||
| Lounge access | Domestic + international — spend-gated from Jul 2026 · From Jul 2026: ~₹60,000 spend in the previous calendar quarter for domestic lounge; Diners Club Privilege confirmed ₹15K→₹60K gate | None |
| UPI rewards | Not supported (Visa/MC) | Earns: 3% on PhonePe app spends (1% base on other UPI apps) · cap 250 pts/mo insurance + 750 pts/mo other PhonePe spends |
| Key exclusions | EMI · Fuel · Rent · Wallet | Fuel · Wallet top-ups · Rent · EMI · Cash advance |
| Bonuses | ||
| Signup bonus | — | ₹500 |
Frequently asked questions
- Which card has the lower annual fee?
- PhonePe SBI Card PURPLE has the lowest annual fee at ₹499.
- Which card earns more on moderate spend?
- PhonePe SBI Card PURPLE leads with an estimated ₹3,441/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- PhonePe SBI Card PURPLE 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.
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