IDFC First Earn Credit Card vs HDFC Diners Club Black

• Get 1% Cashback on every spend via the IDFC FIRST Bank mobile app
• Get 0.5% Cashback on UPI spends via other apps and all online spends. 0.5% cashback on all utility, insurance, and wallet load
• Welcome Bonus: 100% cashback, up to Rs. 500, on the 1st UPI spend made within 15 days of card generation and 5% cashback, up to Rs. 1,000, on the 1st EMI transaction value made within 30 days of card set-up
• Annual Benefit: Get 100% cashback, up to Rs. 200 (max. Rs. 50 each), on the 1st 4 UPI spends made via IDFC FIRST Bank mobile app within 15 days of annual fee being charged
• Convert UPI spends worth a min. of Rs. 2,500 into easy EMIs
• 25% discount up to Rs. 100 on movie tickets booked on District by Zomato
• 20% discount across 1,500+ resturants
• Complimentary roadside assistance worth Rs. 1,399
• Convenience of UPI + Power of Credit at 60+ million merchants
• Card Liability Cover of Rs. 25,000, Personal Accident Cover of Rs. 2,00,000, Credit Shield of Rs. 50,000, and Purchase Protection of Rs. 25,000
• Surcharge of 1% on payment for Rent and Property Management, subject to a minimum of Rs. 249 (+GST) per transaction
• Forex Markup at 3.5% for all international transactions
• Utility spends (Electricity, Gas, Telecom etc.) above Rs. 20,000 will attract 1% surcharge (+GST) on the aggregate utility spends in a statement cycle
• Earn Bonus Reward Points on booking flights and hotels via 'Travel and Shop' section on IDFC FIRST Bank Mobile App:

A. Bonus 4% cashback on all Flight bookings - Over and above your Credit Card Cashback
B. Bonus 8% cashback on all Hotel bookings - Over and above your Credit Card Cashback
C. Redeem your Reward Points - For flight and hotel bookings

• Complimentary Annual memberships of Club Marriott, Forbes, Amazon Prime, Swiggy One (3 months) and MMT BLACK   

• Complimentary Ola cabs | cult.fit Live | BookMyShow | TataCliQ vouchers on spends of over Rs. 80,000 every month
• Avail 5 Reward Points for every Rs 150 spent
• Up to 10X Reward Points via SmartBuy
• Dining privileges: 2X on weekend dining 
• HDFC Bank x Swiggy Dineout - Good food Trail: Enjoy FLAT 10% EXTRA OFF on dining bills at 35K+ restaurants     
• Travel benefits: Book flight tickets / hotels across 150+  airlines and choice of hotels (Domestic & International)                            
• Up to 50 days of interest free credit period on the credit card
• Air accident insurance cover worth Rs 2 crore
• Emergency overseas hospitalization: Rs. 50 Lakh
• Travel Insurance Cover of up to Rs. 55,000 on baggage delay                             
• Complimentary Golf games across the finest courses in the world ( 6 per quarter)                 
• Credit Liability Cover of up to Rs. 9 Lakh
• Foreign Currency Markup:  2% on all your foreign currency spends
• Revolving Credit is available at a nominal interest rate
• 24/7 Concierge Services
• Unlimited Airport lounge access to 1000+ Lounges in India and worldwide for primary and add-on card members
• 1% fuel surcharge waiver at all fuel stations in India on minimum transaction of Rs. 400 and Max CashBack of Rs. 1000 per statement cycle
• Milestone Benefit: The credit card holders can select any 2 benefits amongst cult.fit Live 1 month membership or BookMyShow or TataCLiQ or Ola cabs vouchers worth Rs. 500 every month on spends of Rs. 80,000
• Annual Spend based benefit: Complimentary annual memberships of Club Marriott, Times Prime, Amazon Prime, Swiggy One (3 months), MMT BLACK can also be availed upon achieving annual spend of Rs 8 Lakhs at the time of card anniversary
• Convert big spends into EMI after purchase
• Contactless Payment
• Diners Exclusive Offers: Fast Track Airport Experience, Dining Delight (exclusive dining offers, from gourmet cuisine to local delicacies), Luxury Spas access, and Small Medium Enterprise (SME), which is tailor-made offers such as workspaces, business insurance and wellness discounts to meet business needs

Pros

• Bonus 4% cashback on all Flight bookings, Bonus 8% cashback on all Hotel bookings, and Redeem the Reward Points For flight and hotel bookings
• Since the card is on the RuPay network, it can be easily linked to UPI
• Get 0.5% Cashback on UPI spends via other apps and all online spends. 0.5% cashback on all utility, insurance, and wallet load

Cons

• No fuel benefits
• No golf benefits
• No complimentary domestic or international airport lounge access

Pros

* Welcome Benefits

* Complimentary annual memberships of Club Marriott, Times Prime, Amazon Prime, Swiggy One (3 months), MMT BLACK can also be availed upon achieving annual spend of Rs 8 Lakhs at the time of card anniversary
* Diners Exclusive Offers: Fast Track Airport Experience, Dining Delight (exclusive dining offers, from gourmet cuisine to local delicacies), Luxury Spas access, and Small Medium Enterprise (SME), which is tailor-made offers such as workspaces, business insurance and wellness discounts to meet business needs

Cons
Joining and renewal fee is on the higher side