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HDFC Bank Diners Club Privilege Credit Card vs SBI Card MILES PRIME Compared

Which credit card suits you? Side by side on the numbers that decide it. A blank means the provider has not published that figure, not that it is zero. Data last verified: 11 October 2026.

HDFC Bank Diners Club Privilege Credit Card versus SBI Card MILES PRIME compared
FeatureHDFC Bank Diners Club Privilege Credit CardHDFC Bank Diners Club Privilege Credit CardHDFC Bank5 recent changes →
SBI Card MILES PRIMESBI Card MILES PRIMEState Bank of India4 recent changes →
Rewards by spend
Rewards1% on most spends; 10% only at partner merchants0.5% base, up to 1% on travel
UPI payments (scan and pay)sameEarns nothingEarns nothing
Online shopping1%; 5% only at HDFC SmartBuy brand vouchers0.5%
Dining and food delivery1%; 5% only at Swiggy, Zomato0.5%
Groceries1%0.5%
Travel: flights, hotels, trains1%; 10% only at HDFC SmartBuy1%
FuelNot statedEarns nothing
Bills and rechargesNot statedEarns nothing
RentNot statedEarns nothing
Insurance premiumsNot statedEarns nothing
School and college feesNot statedEarns nothing
Wallet top-upsNot statedEarns nothing
Taxes and government paymentssameNot statedNot stated
Spend abroad or in a foreign currency1%0.5%
Everything else1%0.5%
Card identity
Card typesameTravelTravel
NetworkDiners ClubMastercard
Card tiersamePremiumPremium
Fees
Joining fee₹1,000 + GST₹2,999 + GST
Annual fee₹1,000 + GST₹2,999 + GST
Fee waived at₹3,00,000₹10,00,000
Eligibility
Min agesame21 years21 years
Max age60 years70 years
Employment type-BOTH
Min monthly salary₹35,000-
Rewards
Reward typeReward pointsAir miles
Point valuesame₹1₹1
Fuel surcharge
Fuel surcharge waiverNoYes
Fuel waiver cap-₹250
Lounge access
Domestic lounge visitssame88
International lounge visitssame44
Lounge programme-PRIORITY_PASS
Priority PassNoYes
Lounge conditionSpend Rs 60,000 in the previous quarter for lounge access8 domestic airport lounge visits/year (max 2/quarter) plus Priority Pass with 4 international visits/year. 1 extra domestic visit per ₹1 lakh spend, capped at 12/year. Priority Pass free for first 2 years
Forex and international
Forex markup3.5%2.5%
Interest and charges
Interest rate (monthly)same3.75%3.75%
Interest rate (annual)same45%45%
Page content
Documents needed-PAN card Aadhaar / address proof Income proof (salary slips or ITR) Recent passport-size photograph
ApplyApply NowApply Now

Worth in Rupees at ₹20,000 a Month

HDFC Bank Diners Club Privilege Credit Card
Rewards a year
₹2,400
Fee a year
- ₹1,180
You keep
₹1,220
SBI Card MILES PRIME
Rewards a year
₹1,500
Fee a year
- ₹3,539
You keep
- ₹2,039

At this spend, HDFC Bank Diners Club Privilege Credit Card comes out ₹3,259 a year ahead of SBI Card MILES PRIME. Worked out from each card's published reward rate, caps and fee, on ₹20,000 a month. Your own spend changes the answer: try the rewards calculator.

Best For

HDFC Bank Diners Club Privilege Credit Card
  • Regular food delivery users
  • SmartBuy travel bookers
  • Salaried users spending Rs 25,000 a month or more
  • First premium card upgrade
SBI Card MILES PRIME
  • Frequent flyers
  • People who spend heavily on travel
  • Travellers who want Priority Pass access

Watch-Outs

HDFC Bank Diners Club Privilege Credit Card
  • Lounge visits need Rs 60,000 spend in the previous quarter
  • Accelerated rewards have monthly caps
  • Needs a monthly income of about ₹35,000
SBI Card MILES PRIME
  • Fee waiver needs Rs 10 lakh a year, which most people will not reach
  • Base return of about 0.5% is low
  • Credits are worth the most only when redeemed for travel

Card data sourced via CardAdvisor.in (HDFC Bank Diners Club Privilege Credit Card, SBI Card MILES PRIME), India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.

Questions People Ask

Which has the lower annual fee, HDFC Bank Diners Club Privilege Credit Card or SBI Card MILES PRIME?

HDFC Bank Diners Club Privilege Credit Card. HDFC Bank Diners Club Privilege Credit Card: ₹1,000; SBI Card MILES PRIME: ₹2,999. Check whether a spend-based waiver applies before you decide.

Which is better for spending abroad?

SBI Card MILES PRIME has the lowest forex markup. SBI Card MILES PRIME: 2.5%; HDFC Bank Diners Club Privilege Credit Card: 3.5%. The markup is charged on every foreign-currency transaction, before GST.

Which earns more on everyday spending?

On spends outside any bonus category: HDFC Bank Diners Club Privilege Credit Card 1%, SBI Card MILES PRIME 0.5%. Bonus categories, rates limited to named merchants and monthly caps change the picture, so compare the rewards by spend too.

Which gives airport lounge access?

HDFC Bank Diners Club Privilege Credit Card: 8 domestic lounge visits a year; SBI Card MILES PRIME: 8 domestic lounge visits a year. Some cards need a minimum spend in the quarter before a visit counts, so check the lounge terms.

Can I hold more than one of these cards?

Usually yes, if each bank approves you. Many people keep one card for everyday spending and another for a specific use such as travel. Each application is a separate credit check.

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