WINNER
SBI Card AURUM
SBI Card
VS
HDFC Diners Club Black Credit Card
HDFC Bank
SBI Card AURUM vs HDFC Diners Club Black Credit Card
Detailed side-by-side comparison based on fees, rewards, benefits, and real user data.
credit card
Updated Jul 2026
Recommended
94
Overall Score / 100
4.7/5
96
Overall Score / 100
4.8/5
Scoreboard· 4 measured features
3
SBI Card AURUM
Overall winner
0
Tied
1
HDFC Diners Club Black Credit Card
What would you save?· ₹ per year, after fees
₹50,000
₹5k₹1L₹2L
Better here
SBI Card AURUM
Rewards (3.8%)+ ₹22,500
Annual fee− ₹9,999
Net per year+₹12,501
HDFC Diners Club Black Credit Card
Rewards (3.3%)+ ₹19,800
Annual fee− ₹10,000
Net per year+₹9,800
SBI Card AURUM gives you ₹2,701 more per year at this spend level.
Estimates use the headline reward rate. Real rewards depend on category-wise spend, monthly caps, and welcome-bonus eligibility. See the full T&C on the issuer's website before applying.
Feature-by-Feature Comparison
Feature
SBI Card AURUM
HDFC Diners Club Black Credit Card
Annual Fee
₹9,999
₹10,000
Joining Fee
₹9,999
₹10,000
Reward Rate
3.75
3.3% on SmartBuy, 1.3% base
Welcome Bonus
None
5,000 reward points
Lounge Access
Yes
Unlimited international + 8 domestic/quarter
Min. Income
₹2,00,000
₹1,50,000
Min. Credit Score
780
780
InvestingPro Expert Verdict
Based on SEBI-compliant analysis • Affiliate disclosed
Both offer unlimited lounges and premium memberships at ₹10,000 annual fee. SBI AURUM wins with 3.75% reward rate and Club Vistara Gold. HDFC DCB wins for dining rewards.
Who Should Get Which?
💰
Choose SBI Card AURUM
Lower annual fees — ideal for budget-conscious users who want value without high costs.
✈️
Choose HDFC Diners Club Black Credit Card
Higher fee but more premium perks like lounge access and higher reward rates — best for frequent spenders.
Disclaimer: This comparison is for informational purposes only. Product details may change; verify on official bank websites before applying. InvestingPro may earn affiliate commission on approved applications. Not SEBI registered investment advice.