HDFC Diners Club Black vs ICICI Sapphiro vs Kotak Royale Signature
Side-by-side credit card comparison to help you choose the best one.
| Feature | HDFC Diners Club Black | ICICI Sapphiro | Kotak Royale Signature |
|---|---|---|---|
| Bank | HDFC Bank | ICICI Bank | Kotak Mahindra |
| Annual Fee | ₹10,000 + GST | ₹3,500 + GST | ₹999 + GST |
| Joining Fee | ₹10,000 + GST | ₹3,500 + GST | ₹999 + GST |
| Rewards | 5X reward points on every ₹150 spent | 2-4 PAYBACK points per ₹100 | 4 reward points per ₹150 on all spends |
| Best For | Travel & Dining | Travel & Lifestyle | Travel & Entertainment |
| Card Type | Super Premium | Premium | Premium |
| Rating | 4.9 | 4.4 | 4.3 |
HDFC Diners Club Black
Travel & Dining
- ✓ Unlimited domestic & international lounge access
- ✓ 10X rewards on SmartBuy portal
- ✓ Complimentary annual memberships worth ₹10,000+
- ✓ Golf privileges at 200+ courses worldwide
ICICI Sapphiro
Travel & Lifestyle
- ✓ Buy 1 Get 1 Free on movie tickets (BookMyShow)
- ✓ Dreamfolks Membership for lounges
- ✓ 4 domestic lounge visits per quarter
- ✓ Welcome vouchers worth ₹9000+
Kotak Royale Signature
Travel & Entertainment
- ✓ 8 complimentary domestic lounge visits per year
- ✓ 2 complimentary international lounge visits
- ✓ 1% fuel surcharge waiver
- ✓ Milestone benefits on annual spending
Our Recommendation
Based on rating and overall value, HDFC Diners Club Black currently ranks highest among your selected cards.