Diners Club Black vs SBI Aurum Credit Card
HDFC Bank · SBI Card — side-by-side CardCheck comparison
CardCheck Score BattleDeterministic 0–100 Benchmark Rating
100% Unsponsored MITC Data
HDFC BankScoreExcellent
Annual Fee₹10,000
Max Reward10%
SBI CardScoreExcellent
Annual Fee₹9,999
Max Reward1%
Diners Club Black leads overall with a CardCheck Score of 85/100 (+3 pts over SBI Aurum Credit Card).
4-Pillar Head-to-Head Breakdown
Diners vs SBIReward Power
35%Diners35/35
SBI34/35
Diners Wins
Fee Value & ROI
25%Diners18/25
SBI18/25
Tie (18/25)
Lounge & Travel
20%Diners20/20
SBI18/20
Diners Wins
Forex & Access
20%Diners12/20
SBI12/20
Tie (12/20)
01—CardCheck Score & Pillars
- CardCheck Score
- 85Best
- 82
- Rating Verdict
- Excellent
- Excellent
- Reward Power (35%)
- 35/35
- 34/35
- Fee Value & ROI (25%)
- 18/25
- 18/25
- Lounge & Travel (20%)
- 20/20
- 18/20
- Forex & Access (20%)
- 12/20
- 12/20
02—Basic Info
- Bank
- HDFC Bank
- SBI Card
- Network
- Diners
- Visa
- Card type
- Premium
- Premium
- Best for
- Ultra-premium lifestyle — unlimited lounge, dining, golf and 3.3% rewards
- SBI's super-premium — unlimited lounge, golf, concierge & milestone benefits
03—Fees
- Joining fee
- ₹10,000
- ₹9,999Best
- Annual fee
- ₹10,000
- ₹9,999Best
- Fee waiver
- ₹8,00,000Best
- ₹10,00,000
- Interest-free days
- 50
- 50
04—Interest
- APR (min)
- 42%
- 42%
- APR (max)
- 42%
- 42%
- Late payment fee
- —
- ₹1,300
- Cash advance fee
- —
- 2.5%
05—Rewards
- Reward type
- points
- points
- Min rate
- 3.3%Best
- 0.5%
- Max rate
- 10%Best
- 1%
06—Travel & Lounge
- Domestic lounge / qtr
- Unlimited
- 4
- Priority Pass
- DreamFolks
07—Forex & Fuel
- Forex markup
- 2%
- 1.99%Best
- Fuel surcharge waiver
08—Features
- Metal card
- Contactless
- UPI linked
09—Eligibility
- Min age
- 21
- 21
- Min income / month
- ₹2,50,000
- ₹2,50,000
- Min CIBIL
- 800
- 800
- Invite only
Rows won
04of 07
03of 07
| Attribute ↓ | ★ Overall pick Column A | Column B |
|---|---|---|
01—CardCheck Score & Pillars Differences highlighted | ||
| CardCheck Score | 85Best | 82 |
| Rating Verdict | Excellent | Excellent |
| Reward Power (35%) | 35/35 | 34/35 |
| Fee Value & ROI (25%) | 18/25 | 18/25 |
| Lounge & Travel (20%) | 20/20 | 18/20 |
| Forex & Access (20%) | 12/20 | 12/20 |
02—Basic Info Differences highlighted | ||
| Bank | HDFC Bank | SBI Card |
| Network | Diners | Visa |
| Card type | Premium | Premium |
| Best for | Ultra-premium lifestyle — unlimited lounge, dining, golf and 3.3% rewards | SBI's super-premium — unlimited lounge, golf, concierge & milestone benefits |
03—Fees Differences highlighted | ||
| Joining fee | ₹10,000 | ₹9,999Best |
| Annual fee | ₹10,000 | ₹9,999Best |
| Fee waiver | ₹8,00,000Best | ₹10,00,000 |
| Interest-free days | 50 | 50 |
04—Interest Differences highlighted | ||
| APR (min) | 42% | 42% |
| APR (max) | 42% | 42% |
| Late payment fee | — | ₹1,300 |
| Cash advance fee | — | 2.5% |
05—Rewards Differences highlighted | ||
| Reward type | points | points |
| Min rate | 3.3%Best | 0.5% |
| Max rate | 10%Best | 1% |
06—Travel & Lounge Differences highlighted | ||
| Domestic lounge / qtr | Unlimited | 4 |
| Priority Pass | ||
| DreamFolks | ||
07—Forex & Fuel Differences highlighted | ||
| Forex markup | 2% | 1.99%Best |
| Fuel surcharge waiver | ||
08—Features Differences highlighted | ||
| Metal card | ||
| Contactless | ||
| UPI linked | ||
09—Eligibility Differences highlighted | ||
| Min age | 21 | 21 |
| Min income / month | ₹2,50,000 | ₹2,50,000 |
| Min CIBIL | 800 | 800 |
| Invite only | ||
| Rows won | 04of 07 | 03of 07 |
Quick Verdict & Key Differences
Verified MITC Data
| Key Specification | Diners Club Black | SBI Aurum Credit Card |
|---|---|---|
| CardCheck Score | 85/100Excellent | 82/100Excellent |
| Annual Fee | ₹10,000 | ₹9,999 |
| Fee Waiver Spend | ₹8L/yr | ₹10L/yr |
| Max Reward Potential | 10% | 1% |
| Domestic Lounge Access | Unlimited | 4 / quarter |
| International Lounge | Priority Pass (Select) | Priority Pass (Select) |
| Forex Markup Fee | 2% | 1.99% |
Choose Diners Club Black if:
Your spending centers around ultra-premium lifestyle — unlimited lounge, dining, golf and 3.3% rewards and you want direct partner rewards with HDFC Bank.
Choose SBI Aurum Credit Card if:
Your spending aligns with sbi's super-premium — unlimited lounge, golf, concierge & milestone benefits and you prioritize SBI Card's redemption benefits.
Frequently asked questions: Diners Club Black vs SBI Aurum Credit Card
- Which is better: Diners Club Black or SBI Aurum Credit Card?
- Diners Club Black holds a higher overall rating with a CardCheck Score of 85/100 (Excellent) compared to 82/100 (Excellent) for SBI Aurum Credit Card (a lead of +3 points). Diners Club Black is classified in our Elite tier due to superior spend returns and comprehensive travel perks.
- How do annual fees and fee waiver spend rules compare?
- Diners Club Black charges an annual fee of ₹10,000 with an annual spend threshold of ₹8 Lakh for renewal fee waiver. In comparison, SBI Aurum Credit Card charges an annual fee of ₹9,999 with an annual spend threshold of ₹10 Lakh.
- How do the reward rates and cashback compare between Diners Club Black and SBI Aurum Credit Card?
- Diners Club Black offers a base reward rate of 3.3% and up to 10% on accelerated partner categories. Meanwhile, SBI Aurum Credit Card offers a base rate of 0.5% and up to 1% on eligible spends. Compare net returns against your monthly spend in our Rewards Calculator.
- Which card has better airport lounge access: Diners Club Black or SBI Aurum Credit Card?
- Diners Club Black provides standard lounge access terms subject to bank quarterly spend criteria. On the other hand, SBI Aurum Credit Card provides 4 domestic lounge visit(s) per quarter. Note that most issuers now require meeting minimum quarterly spend criteria (typically ₹10,000 to ₹50,000 in the preceding quarter) to unlock lounge access.
- Which card is better for international foreign currency spends?
- Diners Club Black levies a foreign currency markup fee of 2%, while SBI Aurum Credit Card charges 1.99%. Lower forex markup directly reduces costs when transacting overseas or on international e-commerce platforms.
- Is CardCheck's comparison data unbiased and verified against official bank MITC?
- Yes. All credit card fees, interest rates, lounge visit quotas, and reward calculations on CardCheck are 100% unsponsored and verified directly against each bank's official Most Important Terms & Conditions (MITC).