HDFC Bank Diners Club Privilege vs SBI Flipkart Credit Card 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.
| Feature |  HDFC Bank Diners Club Privilege Credit CardHDFC Bank5 recent changes → |  SBI Flipkart Credit CardState Bank of India2 recent changes → | |
|---|---|---|---|
| Rewards by spend | |||
| Rewards | 1% on most spends; 10% only at partner merchants | 1% on most spends; 7.5% only at partner merchants | |
| UPI payments (scan and pay)same | Earns nothing | Earns nothing | |
| Online shopping | 1%; 5% only at HDFC SmartBuy brand vouchers | 1%; 7.5% only at Myntra; 5% only at Flipkart, Shopsy & Flipkart Travel | |
| Dining and food delivery | 1%; 5% only at Swiggy, Zomato | 1% | |
| Groceriessame | 1% | 1% | |
| Travel: flights, hotels, trains | 1%; 10% only at HDFC SmartBuy | 1%; 5% only at Cleartrip | |
| Fuel | Not stated | Earns nothing | |
| Bills and recharges | Not stated | 1% | |
| Rent | Not stated | Earns nothing | |
| Insurance premiums | Not stated | Earns nothing | |
| School and college fees | Not stated | Earns nothing | |
| Wallet top-ups | Not stated | Earns nothing | |
| Taxes and government payments | Not stated | Earns nothing | |
| Spend abroad or in a foreign currencysame | 1% | 1% | |
| Everything elsesame | 1% | 1% | |
| Card identity | |||
| Card type | Travel | Shopping | |
| Network | Diners Club | Mastercard | |
| Card tier | Premium | Mid | |
| Fees | |||
| Joining fee | ₹1,000 + GST | ₹500 + GST | |
| Annual fee | ₹1,000 + GST | ₹500 + GST | |
| Fee waived at | ₹3,00,000 | ₹3,50,000 | |
| Eligibility | |||
| Min age | 21 years | - | |
| Max age | 60 years | - | |
| Employment type | - | BOTH | |
| Min monthly salary | ₹35,000 | - | |
| Rewards | |||
| Reward type | Reward points | Cashback | |
| Point valuesame | ₹1 | ₹1 | |
| Fuel surcharge | |||
| Fuel surcharge waiver | No | Yes | |
| Lounge access | |||
| Domestic lounge visits | 8 | - | |
| International lounge visits | 4 | - | |
| Lounge condition | Spend Rs 60,000 in the previous quarter for lounge access | - | |
| Forex and international | |||
| Forex markupsame | 3.5% | 3.5% | |
| Interest and charges | |||
| Interest rate (monthly) | 3.75% | - | |
| Interest rate (annual) | 45% | - | |
| Page content | |||
| Documents needed | - | PAN card Aadhaar / valid address proof Income proof, salary slips (salaried) or ITR (self-employed) Recent passport-size photograph | |
| Apply | Apply Now | Apply Now | |
Worth in Rupees at ₹20,000 a Month
- Rewards a year
- ₹2,400
- Fee a year
- - ₹1,180
- You keep
- ₹1,220
- Rewards a year
- ₹2,400
- Fee a year
- - ₹590
- You keep
- ₹1,810
At this spend, SBI Flipkart Credit Card comes out ₹590 a year ahead of HDFC Bank Diners Club Privilege Credit Card. 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
- Regular food delivery users
- SmartBuy travel bookers
- Salaried users spending Rs 25,000 a month or more
- First premium card upgrade
- Regular Flipkart shoppers
- Myntra fashion buyers
- Cleartrip travel bookers
Watch-Outs
- Lounge visits need Rs 60,000 spend in the previous quarter
- Accelerated rewards have monthly caps
- Needs a monthly income of about ₹35,000
- Each boosted category has a monthly cap
- Only 1% outside partner brands
- High ₹3,50,000 waiver target
- No lounge access
Card data sourced via CardAdvisor.in (HDFC Bank Diners Club Privilege Credit Card, SBI Flipkart Credit Card), 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 Flipkart Credit Card?
SBI Flipkart Credit Card. SBI Flipkart Credit Card: ₹500; HDFC Bank Diners Club Privilege Credit Card: ₹1,000. Check whether a spend-based waiver applies before you decide.
Which is better for spending abroad?
HDFC Bank Diners Club Privilege Credit Card has the lowest forex markup. HDFC Bank Diners Club Privilege Credit Card: 3.5%; SBI Flipkart 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 Flipkart Credit Card 1%. Bonus categories, rates limited to named merchants and monthly caps change the picture, so compare the rewards by spend too.
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.
Work Out the Numbers
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Guides in Plain Words
Short reads that explain how it works before you decide.
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