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HDFC Diners Club Black Metal Edition 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.

HDFC Diners Club Black Metal Edition versus SBI Flipkart Credit Card compared
FeatureHDFC Diners Club Black Metal EditionHDFC Diners Club Black Metal EditionHDFC Bank5 recent changes →
SBI Flipkart Credit CardSBI Flipkart Credit CardState Bank of India2 recent changes →
Rewards by spend
Rewards3.33% base, up to 4.33% on dining; 33.33% only at partner merchants1% on most spends; 7.5% only at partner merchants
UPI payments (scan and pay)sameEarns nothingEarns nothing
Online shopping3.33%; 16.5% only at HDFC SmartBuy; 10% only at HDFC SmartBuy brand vouchers1%; 7.5% only at Myntra; 5% only at Flipkart, Shopsy & Flipkart Travel
Dining and food delivery4.33%1%
Groceries3.33%1%
Travel: flights, hotels, trains3.33%; 33.33% only at HDFC SmartBuy1%; 5% only at Cleartrip
FuelsameEarns nothingEarns nothing
Bills and recharges3.33%1%
RentsameEarns nothingEarns nothing
Insurance premiums3.33%Earns nothing
School and college fees3.33%Earns nothing
Wallet top-upssameEarns nothingEarns nothing
Taxes and government paymentssameEarns nothingEarns nothing
Spend abroad or in a foreign currency3.33%1%
Everything else3.33%1%
Card identity
Card typeTravelShopping
NetworkDiners ClubMastercard
Card tierSuper premiumMid
Fees
Joining fee₹10,000 + GST₹500 + GST
Annual fee₹10,000 + GST₹500 + GST
Fee waived at₹8,00,000₹3,50,000
Eligibility
Min age21 years-
Max age60 years-
Employment typesameBOTHBOTH
Min monthly salary₹2,50,000-
Rewards
Reward typeReward pointsCashback
Point valuesame₹1₹1
Fuel surcharge
Fuel surcharge waiverNoYes
Lounge access
Domestic lounge visits999-
Domestic lounge unlimitedYesNo
International lounge visits999-
International lounge unlimitedYesNo
Lounge programmePRIORITY_PASS-
Priority PassYesNo
Lounge conditionUnlimited access to 1,300+ lounges worldwide on the Diners Club network, the card itself is the credential, no Priority Pass enrolment-
Forex and international
Forex markup2%3.5%
Interest and charges
Interest rate (monthly)1.99%-
Interest rate (annual)23.88%-
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 / valid address proof Income proof, salary slips (salaried) or ITR (self-employed) Recent passport-size photograph
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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 Flipkart Credit Card
Rewards a year
₹2,400
Fee a year
- ₹590
You keep
₹1,810

At this spend, SBI Flipkart Credit Card comes out ₹5,006 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 Flipkart Credit Card
  • Regular Flipkart shoppers
  • Myntra fashion buyers
  • Cleartrip travel bookers

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 Flipkart Credit Card
  • 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 Diners Club Black Metal Edition, 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 Diners Club Black Metal Edition or SBI Flipkart Credit Card?

SBI Flipkart Credit Card. SBI Flipkart Credit Card: ₹500; 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 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 Diners Club Black Metal Edition 3.33%, 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.

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