Card comparison
IRCTC SBI Card Premier vs HDFC Bank Diners Club Privilege Credit Card
Compare fees, rewards, eligibility, lounge access, forex markup, and key benefits side by side.
| Features | State 5123 7404 9912 4848 IRCTC PREMIER 07/28 IRCTC PREMIER 838 IRCTC SBI Card PremierVisa | HDFC 4532 7404 9912 4848 HDFC CARD 07/28 HDFC CARD 838 HDFC Bank Diners Club Privilege Credit CardDiners Club |
|---|---|---|
| Annual Fee | ₹1,499 | ₹2,500 |
| Joining Fee | ₹1,499 | ₹2,500 |
| Finance Charge | 3.75% /mo | 3.6% /mo |
| Forex Markup | 3.5% | 3.5% |
| Base Reward Rate | 10% value back on IRCTC bookings via SBI Card | 4 Reward Points per ₹150 (10X on SmartBuy Fridays) |
| Domestic Lounge | 4/yr | Available |
| International Lounge | — | 12/yr |
| Welcome Benefit | Up to ₹1,499 | Up to ₹2,000 |
| Min Income | ₹25,000/mo | ₹12,00,000/yr |
| Credit Score | 750+ | 750+ |