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HDFC Diners Club Black Metal vs SBI Cashback Credit Card

Honest side-by-side comparison of HDFC Diners Club Black Metal, SBI Cashback Credit Card — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.

Same spend profile for all cards. How we calculate net annual value

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Spend assumptions

All cards use the same monthly spend profile. Saved spends from the quiz or a card page load automatically.

HDFC Diners Club Black Metal

HDFC Bank

SBI Cashback Credit Card

SBI Card

Your adjusted comparison

Feature
HDFC Diners Club Black Metal credit card

HDFC Diners Club Black Metal

HDFC Bank

SBI Cashback Credit Card

SBI Cashback Credit Card

SBI Card

Fees & eligibility
Annual fee₹10,000₹999
Fee waiver thresholdNo waiver publishedWaived at ₹2,00,000/yr spend
Min income₹1,50,000/mo₹25,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)-₹8,920/yr₹5,520/yr
Online shopping—₹8,000 × 5% = ₹400/mo (₹4,800/yr) · issuer max ₹2,000/mo
Travel₹3,000 → 100 pts/mo × ₹0.50/pt = ₹50/mo (₹600/yr)—
Top reward rate10X points5%
Primary reward cap3,000 accelerated pts/mo₹2,000 rewards/mo cap
Perks & restrictions
Lounge accessDomestic + 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 gateNone
UPI rewardsNot supported (Visa/MC)Not supported (Visa/MC)
Key exclusionsEMI · Fuel · Rent · WalletFuel · Utilities · Insurance · Rent · Wallet loads
Bonuses
Signup bonus——

Stack mode (hold both)

Holding both may not beat using only the better solo card on this spend.

HDFC Diners Club Black Metal details →SBI Cashback Credit Card details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, SBI Cashback Credit Card leads HDFC Diners Club Black Metal by about ₹14,440/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

HDFC Diners Club Black Metal vs SBI Cashback Credit Card comparison table
FeatureHDFC Diners Club Black Metal

HDFC Bank

SBI Cashback Credit Card

SBI Card

Fees & eligibility
Annual fee₹10,000₹999
Fee waiver thresholdNo waiver publishedWaived at ₹2,00,000/yr spend
Min income₹1,50,000/mo₹25,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)-₹8,920/yr₹5,520/yr
Online shopping—₹8,000 × 5% = ₹400/mo (₹4,800/yr) · issuer max ₹2,000/mo
Travel₹3,000 → 100 pts/mo × ₹0.50/pt = ₹50/mo (₹600/yr)—
Top reward rate10X points5%
Primary reward cap3,000 accelerated pts/mo₹2,000 rewards/mo cap
Perks & restrictions
Lounge accessDomestic + 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 gateNone
UPI rewardsNot supported (Visa/MC)Not supported (Visa/MC)
Key exclusionsEMI · Fuel · Rent · WalletFuel · Utilities · Insurance · Rent · Wallet loads
Bonuses
Signup bonus——

Frequently asked questions

Which card has the lower annual fee?
SBI Cashback Credit Card has the lowest annual fee at ₹999.
Which card earns more on moderate spend?
SBI Cashback Credit Card leads with an estimated ₹5,520/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.

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