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IDFC First Gaj vs HDFC Diners Club Black

Compare IDFC First Gaj vs HDFC Diners Club Black across fees, rewards, cashback, lounge access, and eligibility to shortlist the best fit.

Comparison cockpit

Futuristic side-by-side card intelligence

IDFC First Gaj leads on reward rate, while HDFC Diners Club Black has the lowest annual fee.

Card 1

IDFC First Gaj

Frequent travelers who can use lounge visits, lower forex friction, and premium trip benefits.10.0

Card 2

HDFC Diners Club Black

Frequent travelers who can use lounge visits, lower forex friction, and premium trip benefits.10.0
IDFC First Gaj - IDFC credit card
Premium stack10.0

idfc / VISA

IDFC First Gaj

Annual

₹12,500

Return

5%

Lounges

Unlimited

Forex

0%

Card summary
  • IDFC First Gaj leans travel and lifestyle with ₹12,500 annual fee, 5% headline return potential, and Unlimited lounge access.
Pros
  • Strong benefit ceiling if you recover the ₹12,500 annual fee.
  • 5% reward rate can outperform flat cashback for loyal users.
  • Unlimited lounge access adds travel utility.
Cons
  • Low forex markup matters mainly if you travel internationally.
  • Higher ₹50,00,000 income expectation narrows eligibility.
  • Travel value depends on actually using lounge and trip perks.
Best for

Frequent travelers who can use lounge visits, lower forex friction, and premium trip benefits.

Value profile

Best when annual benefits are actively redeemed.

Full card details
HDFC Diners Club Black
Premium stack10.0

hdfc / DINERS

HDFC Diners Club Black

Annual

₹10,000

Return

3.3%

Lounges

Unlimited

Forex

2%

Card summary
  • HDFC Diners Club Black leans travel and lifestyle with ₹10,000 annual fee, 3.3% headline return potential, and Unlimited lounge access.
Pros
  • Strong benefit ceiling if you recover the ₹10,000 annual fee.
  • 3.3% reward rate can outperform flat cashback for loyal users.
  • Unlimited lounge access adds travel utility.
Cons
  • Low forex markup matters mainly if you travel internationally.
  • Higher ₹30,00,000 income expectation narrows eligibility.
  • Travel value depends on actually using lounge and trip perks.
Best for

Frequent travelers who can use lounge visits, lower forex friction, and premium trip benefits.

Value profile

Best when annual benefits are actively redeemed.

Full card details
Metric
IDFC First Gaj
HDFC Diners Club Black
Fees
Annual fee
₹12,500
₹10,000
Joining fee
₹12,500
₹10,000
Rewards
Cashback rate
1%
1.2%
Reward rate
5%
3.3%
Travel
Forex markup
0%
2%
Domestic lounges
Unlimited
Unlimited
International lounges
Unlimited
Unlimited
Benefits
Fuel waiver
No
Yes
Dining
Yes
Yes
Movies
Yes
Yes
Eligibility
Minimum income
₹50,00,000
₹30,00,000

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