HDFC Diners Club Black vs Kotak Royale Signature
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 | Kotak Mahindra |
| Card Type | Super Premium | Premium |
| Annual Fee | ₹10,000 + GST | ₹999 + GST |
| Joining Fee | ₹10,000 + GST | ₹999 + GST |
| Rewards | 5X reward points on every ₹150 spent | 4 reward points per ₹150 on all spends |
| Best For | Travel & Dining | Travel & Entertainment |
| 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 | ₹1,00,000 - ₹5,00,000 |
| Welcome Benefit | 5000 reward points + ₹500 Taj voucher | 500 reward points on activation |
| Min Income | ₹1,50,000/month | ₹25,000/month |
| Lounge Access | Unlimited domestic + international | 8 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 | 4.3 |
| 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
Kotak Royale Signature
Travel & Entertainment
Visa Signature • Premium
- 8 complimentary domestic lounge visits per year
- 2 complimentary international lounge visits
- 1% fuel surcharge waiver
- Milestone benefits on annual spending
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 Kotak Royale Signature?
HDFC Diners Club Black has the higher CardKhoj rating (4.9/5) and is best for travel & dining. Kotak Royale Signature is the better fit if your priority is travel & entertainment. The right choice depends on where you spend most.
Which has the lower annual fee: HDFC Diners Club Black and Kotak Royale Signature?
Kotak Royale Signature is cheaper to hold at ₹999 + GST, compared with ₹10,000 + GST for HDFC Diners Club Black.
Do HDFC Diners Club Black and Kotak Royale Signature offer airport lounge access?
HDFC Diners Club Black: unlimited domestic + international. Kotak Royale Signature: 8 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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