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SBI Yatra vs HDFC Diners Club Black

Compare SBI Yatra 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

HDFC Diners Club Black leads on reward rate, while SBI Yatra has the lowest annual fee.

Card 1

SBI Yatra

Frequent travelers who can use lounge visits, lower forex friction, and premium trip benefits.4.4

Card 2

HDFC Diners Club Black

Frequent travelers who can use lounge visits, lower forex friction, and premium trip benefits.10.0
SBI Yatra - SBI credit card
Balanced value4.4

sbi / MASTERCARD

SBI Yatra

Annual

₹999

Return

3%

Lounges

2

Forex

3.5%

Card summary
  • SBI Yatra leans travel and lifestyle with ₹999 annual fee, 3% headline return potential, and 2 lounge access.
Pros
  • Strong benefit ceiling if you recover the ₹999 annual fee.
  • 3% reward rate can outperform flat cashback for loyal users.
  • 2 lounge access adds travel utility.
Cons
  • 3.5% forex markup can reduce overseas value.
  • Eligibility still depends on bank policy and credit history.
  • 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

Balanced fee-to-benefit setup for regular card users.

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
SBI Yatra
HDFC Diners Club Black
Fees
Annual fee
₹999
₹10,000
Joining fee
₹999
₹10,000
Rewards
Cashback rate
1%
1.2%
Reward rate
3%
3.3%
Travel
Forex markup
3.5%
2%
Domestic lounges
2
Unlimited
International lounges
0
Unlimited
Benefits
Fuel waiver
Yes
Yes
Dining
No
Yes
Movies
No
Yes
Eligibility
Minimum income
₹4,00,000
₹30,00,000

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