Side-by-side · honest numbers
HDFC Diners Club Black Metal vs SBI Card PRIME
Honest side-by-side comparison of HDFC Diners Club Black Metal, SBI Card PRIME — 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
Customize your spend
Change spend profile or swap cards — results update live below.
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 Card PRIME
SBI Card
Your adjusted comparison
| Feature | HDFC Diners Club Black Metal HDFC Bank | SBI Card PRIME SBI Card |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ₹10,000 | ₹2,999 |
| Fee waiver threshold | No waiver published | ₹5,00,000/yr |
| Min income | ₹1,50,000/mo | ₹45,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | -₹8,920/yr | -₹2,339/yr |
| Travel | ₹3,000 → 100 pts/mo × ₹0.50/pt = ₹50/mo (₹600/yr) | ₹3,000 → 120 pts/mo × ₹0.25/pt = ₹30/mo (₹360/yr) |
| Top reward rate | 10X points | 5X reward points |
| Primary reward cap | 3,000 accelerated pts/mo | No monthly cap published |
| 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 | 8 domestic (2/quarter) + 4 international (1/quarter) airport lounge visits/year · No minimum spend required for lounge access |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Wallet | Fuel · Rent · Wallet · EMI |
| Bonuses | ||
| Signup bonus | — | ₹3,000 |
Stack mode (hold both)
Holding both may not beat using only the better solo card on this spend.
Share this comparison
https://cardhungry.com/in/en/compare/hdfc-diners-black-vs-sbi-primeReference summary
At a glance (moderate spend)
Quick verdict: On moderate spend, SBI Card PRIME leads HDFC Diners Club Black Metal by about ₹6,581/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 | SBI Card PRIME SBI Card |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ₹10,000 | ₹2,999 |
| Fee waiver threshold | No waiver published | ₹5,00,000/yr |
| Min income | ₹1,50,000/mo | ₹45,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | -₹8,920/yr | -₹2,339/yr |
| Travel | ₹3,000 → 100 pts/mo × ₹0.50/pt = ₹50/mo (₹600/yr) | ₹3,000 → 120 pts/mo × ₹0.25/pt = ₹30/mo (₹360/yr) |
| Top reward rate | 10X points | 5X reward points |
| Primary reward cap | 3,000 accelerated pts/mo | No monthly cap published |
| 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 | 8 domestic (2/quarter) + 4 international (1/quarter) airport lounge visits/year · No minimum spend required for lounge access |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Wallet | Fuel · Rent · Wallet · EMI |
| Bonuses | ||
| Signup bonus | — | ₹3,000 |
Frequently asked questions
- Which card has the lower annual fee?
- SBI Card PRIME has the lowest annual fee at ₹2,999.
- Which card earns more on moderate spend?
- SBI Card PRIME leads with an estimated -₹2,339/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- SBI Card PRIME lists a minimum monthly income of ₹45,000.
- Does this comparison pull my credit score?
- No. CardHungry estimates net value from public fee and reward rules only — no bureau check.
More HDFC Diners Club Black Metal comparisons
- HDFC Diners Club Black Metal vs 811 Dream Different Credit Card
- HDFC Diners Club Black Metal vs AU Altura Credit Card
- HDFC Diners Club Black Metal vs AU Altura+ Credit Card
- HDFC Diners Club Black Metal vs AU LIT Credit Card
- HDFC Diners Club Black Metal vs AU Zenith Credit Card
- HDFC Diners Club Black Metal vs American Express Gold Card
- HDFC Diners Club Black Metal vs American Express Platinum Travel Card
- HDFC Diners Club Black Metal vs American Express SmartEarn Credit Card
- HDFC Diners Club Black Metal vs Amex Membership Rewards CC
- HDFC Diners Club Black Metal vs Axis Bank ACE Credit Card
- HDFC Diners Club Black Metal vs Axis Bank Airtel Credit Card
- HDFC Diners Club Black Metal vs Axis Bank Atlas Credit Card