Share

HDFC Diners Club Black Metal Edition 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 Diners Club Black Metal Edition versus SBI Card MILES PRIME compared
FeatureHDFC Diners Club Black Metal EditionHDFC Diners Club Black Metal EditionHDFC Bank5 recent changes →
SBI Card MILES PRIMESBI Card MILES PRIMEState Bank of India4 recent changes →
Rewards by spend
Rewards3.33% base, up to 4.33% on dining; 33.33% only at partner merchants0.5% base, up to 1% on travel
UPI payments (scan and pay)sameEarns nothingEarns nothing
Online shopping3.33%; 16.5% only at HDFC SmartBuy; 10% only at HDFC SmartBuy brand vouchers0.5%
Dining and food delivery4.33%0.5%
Groceries3.33%0.5%
Travel: flights, hotels, trains3.33%; 33.33% only at HDFC SmartBuy1%
FuelsameEarns nothingEarns nothing
Bills and recharges3.33%Earns nothing
RentsameEarns nothingEarns nothing
Insurance premiums3.33%Earns nothing
School and college fees3.33%Earns nothing
Wallet top-upssameEarns nothingEarns nothing
Taxes and government paymentsEarns nothingNot stated
Spend abroad or in a foreign currency3.33%0.5%
Everything else3.33%0.5%
Card identity
Card typesameTravelTravel
NetworkDiners ClubMastercard
Card tierSuper premiumPremium
Fees
Joining fee₹10,000 + GST₹2,999 + GST
Annual fee₹10,000 + GST₹2,999 + GST
Fee waived at₹8,00,000₹10,00,000
Eligibility
Min agesame21 years21 years
Max age60 years70 years
Employment typesameBOTHBOTH
Min monthly salary₹2,50,000-
Rewards
Reward typeReward pointsAir miles
Point valuesame₹1₹1
Fuel surcharge
Fuel surcharge waiverNoYes
Fuel waiver cap-₹250
Lounge access
Domestic lounge visits9998
Domestic lounge unlimitedYesNo
International lounge visits9994
International lounge unlimitedYesNo
Lounge programmesamePRIORITY_PASSPRIORITY_PASS
Priority PasssameYesYes
Lounge conditionUnlimited access to 1,300+ lounges worldwide on the Diners Club network, the card itself is the credential, no Priority Pass enrolment8 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 markup2%2.5%
Interest and charges
Interest rate (monthly)1.99%3.75%
Interest rate (annual)23.88%45%
Page content
Documents neededPAN card Aadhaar / valid address proof Latest 3 months bank statement Income proof, salary slips (salaried) or ITR (self-employed) Recent passport-size photographPAN 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 Diners Club Black Metal Edition
Rewards a year
₹8,604
Fee a year
- ₹11,800
You keep
- ₹3,196
SBI Card MILES PRIME
Rewards a year
₹1,500
Fee a year
- ₹3,539
You keep
- ₹2,039

At this spend, SBI Card MILES PRIME comes out ₹1,157 a year ahead of HDFC Diners Club Black Metal Edition. 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 Diners Club Black Metal Edition
  • High earners who travel often
  • SmartBuy hotel and flight bookers
  • Golfers
  • Big spenders who can clear Rs 8 lakh a year
SBI Card MILES PRIME
  • Frequent flyers
  • People who spend heavily on travel
  • Travellers who want Priority Pass access

Watch-Outs

HDFC Diners Club Black Metal Edition
  • No points on fuel, rent, wallet loads, government payments or EMIs
  • Needs a monthly income of about ₹2,50,000
  • SmartBuy brand-voucher earning was cut to 3,000 points a month
  • 1% fee on rent and wallet loads
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 Diners Club Black Metal Edition, 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 Diners Club Black Metal Edition or SBI Card MILES PRIME?

SBI Card MILES PRIME. SBI Card MILES PRIME: ₹2,999; HDFC Diners Club Black Metal Edition: ₹10,000. Check whether a spend-based waiver applies before you decide.

Which is better for spending abroad?

HDFC Diners Club Black Metal Edition has the lowest forex markup. HDFC Diners Club Black Metal Edition: 2%; SBI Card MILES PRIME: 2.5%. The markup is charged on every foreign-currency transaction, before GST.

Which earns more on everyday spending?

On spends outside any bonus category: HDFC Diners Club Black Metal Edition 3.33%, 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 Diners Club Black Metal Edition: unlimited domestic lounge visits; 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.

Work Out the Numbers

Other Comparisons

We earn a commission if you are approved, and you pay nothing extra. How we make money.

Compare all the credit cards we list

Credit Cards

Guides in Plain Words

Short reads that explain how it works before you decide.

All Credit Cards guides
SkyloFin - Expense Tracker

Your Money. One Clear View.

Automatically organise your spending, track expenses and understand where your money goes.

  • Reads bank SMS No account linking, no passwords.
  • Sorts every rupee Into categories you can edit.
  • Bills and cards Statements found, due dates reminded.
  • Your Google Drive Backed up to you, never to us.
Get the AppSee how it works