HDFC Diners Club Black vs IDFC First WOW
Side-by-side credit card comparison to help you choose the best one.
HDFC Diners Club Black
Why this card wins: Travel & Dining — 5X reward points on every ₹150 spent
| Feature | ||
|---|---|---|
| Bank | HDFC Bank | IDFC First Bank |
| Card Type | Super Premium | Rewards |
| Annual Fee | ₹10,000 + GST | Lifetime Free |
| Joining Fee | ₹10,000 + GST | Nil |
| Rewards | 5X reward points on every ₹150 spent | 10X reward points on every spend category |
| Best For | Travel & Dining | All-Round Rewards |
| Interest Rate | 3.49% per month (41.88% p.a.) | 3.49% per month (41.88% p.a.) |
| Credit Limit | ₹5,00,000 - ₹20,00,000 | ₹25,000 - ₹5,00,000 |
| Welcome Benefit | 5000 reward points + ₹500 Taj voucher | 500 reward points on first spend |
| Min Income | ₹1,50,000/month | ₹15,000/month |
| Lounge Access | Unlimited domestic + international | 6 domestic + 2 international per year |
| Fuel Surcharge Waiver | 1% waiver on ₹400-₹5,000 txns | 1% waiver on ₹400-₹5,000 txns |
| Foreign Txn Fee | 2.0% + GST | 3.5% + GST |
| Add-On Card Fee | Free | Free |
| Rating | 4.9 | 4.5 |
| Contactless | ||
| EMI Conversion |
Key Features
HDFC Diners Club Black
Travel & Dining
Diners Club • Super Premium
- Unlimited domestic & international lounge access
- 10X rewards on SmartBuy portal
- Complimentary annual memberships worth ₹10,000+
- Golf privileges at 200+ courses worldwide
IDFC First WOW
All-Round Rewards
Visa • Rewards
- No annual or joining fee ever
- 10X reward points on all categories
- 6 domestic + 2 international lounge visits
- Never expiring reward points
Verdict
Based on rating and overall value, HDFC Diners Club Black ranks highest among your selected cards. It excels at Travel & Dining and offers 5X reward points on every ₹150 spent.
Frequently asked questions
Which is better: HDFC Diners Club Black or IDFC First WOW?
HDFC Diners Club Black has the higher CardKhoj rating (4.9/5) and is best for travel & dining. IDFC First WOW is the better fit if your priority is all-round rewards. The right choice depends on where you spend most.
Which has the lower annual fee: HDFC Diners Club Black and IDFC First WOW?
IDFC First WOW is cheaper to hold at Lifetime Free, compared with ₹10,000 + GST for HDFC Diners Club Black.
Do HDFC Diners Club Black and IDFC First WOW offer airport lounge access?
HDFC Diners Club Black: unlimited domestic + international. IDFC First WOW: 6 domestic + 2 international per year.
Which card is better for international spending?
HDFC Diners Club Black has the lowest forex markup at 2.0% + GST, which makes it cheaper for travel abroad and foreign-currency shopping.
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