HDFC Diners Club Premium Credit Card vs IndiGo IDFC FIRST Dual Credit Card
Joining Fees
₹2,500
₹4,999
Editor's Rating
3.3
4
Key Features
- You can convert reward points to miles on Jet Airways, Air India and Singapore Airlines (1 reward point = 0.50 air mile)
- Avail 10 X Reward Point on International spends
- 24x7 concierge service for reservations for travel needs
- Redeem Reward Points for booking Air Tickets / Hotels across 150+ Airlines and Choice of hotels (Domestic & International) at www.hdfcbankdinersclub.com .(1 Reward Point = 0.50 AirMile)
- Lowest mark up on foreign currency transactions: Just 2%
- Insurance Benefits
Option 1 (With Fees):
- Joining fee: Rs.: 4,999 + GST
- Welcome Benefits of 8,000 BluChips
- 5000 IndiGo BluChips voucher + IndiGo meal voucher on joining fee payment
- 3000 IndiGo BluChips voucher on Rs. 1 Lakh spends within 90 days
- Complimentary 3 Month EazyDiner Membership
- Milestone Benefits: Vouchers of up to 25,000 IndiGo BluChips, every year
-Get 5 vouchers of 5,000 BluChips each on crossing Rs. 2L, Rs. 5L, Rs. 8L, Rs. 10L, and Rs. 12L annually
- Annual Fee Rs. 4,999 +GST (2nd year onwards)
- Earn up to 22 IndiGo BluChips/Rs. 100 on IndiGo Web & App
• 6 on Card & Up to 16 from IndiGo (based on tier
• Get 3/Rs. 100 on dining, entertainment & other spends
• 0.5/Rs. 100 on other UPI, rent, utility, fuel and wallet
- Power of 2 Card Networks: Enjoy convenience of UPI with the RuPay Card & International acceptance with Mastercard and benefits provided by both networks
- Annual Fee Payment Benefit: Get Voucher of 5000 IndiGo BluChips and a complimentary IndiGo meal voucher on payment of annual fees
- Free Trip Cancellation cover: Avail reimbursed for non-refundable flight and hotel cancellations for up to Rs. 25,000 twice a year
- Forex MarkUp 1.49%: Enjoy low forex markup of 1.49% for international spends
- Redeem Your BluChips: Use the BluChips for IndiGo Flights
Option 2 (With FD):
- Free for the first year with min Rs. 1 Lakh FD
- Welcome Benefits include getting 3000 IndiGo BluChips voucher on Rs. 1 Lakh spends within 90 days, and Complimentary 3 Month EazyDiner Membership
- Assured approval - Fixed deposit backed card and no credit history needed
- Milestone Benefits: Vouchers up to 25,000 IndiGo BluChips every year
-Get 5 vouchers of 5,000 BluChips each on crossing Rs. 2L, Rs. 5L, Rs. 8L, Rs. 10L, and Rs. 12L annually
- Annual Fee Rs. 4,999 +GST (2nd year onwards)
- Earn up to 22 IndiGo BluChips/Rs. 100 on IndiGo Web & App
• 6 on Card & Up to 16 from IndiGo (based on tier)
• Get 3/Rs. 100 on dining, entertainment & other spends
• 0.5/Rs. 100 on other UPI, rent, utility, fuel and wallet
- Power of Dual Cards: Enjoy convenience of UPI with the RuPay Card & International acceptance with Mastercard and benefits provided by both networks
- Annual Fee Payment Benefit: Get Voucher of 5000 IndiGo BluChips and a complimentary IndiGo meal voucher on payment of annual fees
- Free Trip Cancellation cover: Get reimbursed for non-refundable flight and hotel cancellations for up to Rs. 25,000 twice a year
- Forex MarkUp 1.49%: Enjoy low forex markup of 1.49% for international spends
- Redeem your Indigo Bluechips: Use the IndiGo BluChips for IndiGo Flights
Mastercard World Privileges:
- Seamless online & POS transactions globally
- Exclusive travel and dining benefits
- 4 complimentary golf rounds and 12 complimentary golf lessons every year
RuPay Privileges:
- Seamless online, POS & UPI QR transactions in India
- Scan and pay at 60Mn+ merchants
- Enjoy exclusive discounts on the RuPay network
Editor's Review
Pros
- Get Up to 6 Complimentary access to 1000+ lounges Worldwide
- Redeem points for exclusive gifts from the rewards catalogue
- 4 Reward Points for every Rs. 150 spent
- Get a free renewal by spending Rs. 3 lakhs in 12 months
Cons
- No complimentary offers for movie tickets
- No Cashback on spends
Pros
- IndiGo loyalists can take great advantage of this card as they can earn BluChips for spending through the airline’s website and app
- 4 complimentary golf rounds and 12 complimentary golf lessons every year
- Enjoy exclusive discounts on the RuPay network
Cons
- No complimentary airport lounge access although being a travel card
- No lifestyle benefits on non-travel spending categories
- No complimentary BluChip is offered along with the card
