HDFC Diners Club Black Metal Edition vs Swiggy HDFC Bank Credit Card
A side-by-side comparison of fees, rewards, and benefits to help you pick the right card for your spending.
| HDFC Diners Club Black Metal Edition | Swiggy HDFC Bank Credit Card | |
|---|---|---|
| Issuer | HDFC | HDFC |
| Annual fee | ₹10,000/yr | ₹500/yr ✓ |
| Joining fee | ₹10,000 | ₹500 |
| Best reward | 5% on Dining | 10% on Dining |
| Forex markup | 2% ✓ | 3.5% |
| Lounge access | Yes | No |
| Welcome benefit | ~₹10,000 | ~₹500 |
| Min income | ₹1,75,000/mo | ₹25,000/mo |
| Expert rating | 4.8 / 5 ✓ | 4.5 / 5 |
Which should you pick?
Choose the HDFC Diners Club Black Metal Edition if you want strong rewards on dining plus airport lounge access. Consider the Swiggy HDFC Bank Credit Card if you spend more on dining and prefer a lower fee. Your actual best card depends on how you spend — run your numbers below.
HDFC Diners Club Black Metal Edition vs Swiggy HDFC Bank Credit Card — FAQs
Which has a lower annual fee, HDFC Diners Club Black Metal Edition or Swiggy HDFC Bank Credit Card?
The Swiggy HDFC Bank Credit Card has the lower annual fee at ₹500/yr, versus ₹10,000/yr for the HDFC Diners Club Black Metal Edition.
Do HDFC Diners Club Black Metal Edition and Swiggy HDFC Bank Credit Card offer airport lounge access?
The HDFC Diners Club Black Metal Edition includes complimentary airport lounge access; the Swiggy HDFC Bank Credit Card does not list lounge access.
Which card has lower forex markup, HDFC Diners Club Black Metal Edition or Swiggy HDFC Bank Credit Card?
The HDFC Diners Club Black Metal Edition has the lower forex markup at 2%, versus 3.5% on the Swiggy HDFC Bank Credit Card.
Which is better, HDFC Diners Club Black Metal Edition or Swiggy HDFC Bank Credit Card?
Neither card is universally better — it depends on how you spend. The HDFC Diners Club Black Metal Edition rewards dining at 5%, while the Swiggy HDFC Bank Credit Card rewards dining at 10%. Compare their fees and benefits above, or run your actual spending through our recommender for a personalised pick.