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IDFC FIRST Select Credit Card vs HDFC Diners Club Black

Joining Fees

₹0

₹10,000

Editor's Rating

2.75

4.6

Key Features

  • 2 complimentary visits to domestic airport lounges every quarter
  • Low forex markup fee at just 1.99%
  • Free trip cancellation cover up to Rs. 10,000- Get reimbursed up to Rs. 10,000 on non-refundable hotel and flight cancellations
  • Complimentary railway lounge visits- 4 complimentary visits to lounges at select Indian railway terminals
  • Buy-1-Get-1 movie ticket offers- Use the 'Buy One, Get One' discount, up to Rs. 125, on the District by Zomato mobile app (valid twice per month)
  • 1% Fuel Surcharge Waiver up to Rs. 300 in a statement cycle at all fuel stations in India on transactions between Rs. 200 and Rs. 5,000
  • Over 300+ merchant offers- Enjoy 300+ brand offers across dining, shopping, travel and more, all year long
  • Air Accident Cover of Rs. 1 Crore
  • Personal Accident Cover of Rs. 5,00,000
  • Lost Card Liability Cover of Rs. 50,000
  • Comprehensive Travel Insurance Cover of USD 300
  • Complimentary Roadside Assistance worth Rs. 1,399- 24/7 roadside assistance during car or two-wheeler emergencies across India
  • VISA Offers are as follows:

a. Airport meet and greet discounts- Enjoy exclusive discounts on meet and greet services at 450+ airports worldwide

b. Airport transfer discounts- Exclusive discounts on limousine services in over 3000 cities across 83 countries

c. Travel concierge at your fingertips- Avail personalized assistance for all travel needs. This service provides a modern, personalized experience for self-booking dining, staycations, flights, and activities

  • MasterCard Offers is as follows: Complimentary golf rounds and lessons- 4 complimentary golf rounds and 12 complimentary golf lessons a year across the globe. Enjoy India Golf Program that includes 4 complimentary rounds of green fees per calendar year (1 round in a 1 calendar month), and 12 complimentary golf lessons per calendar year (1 lesson per calendar month). Enjoy APAC Golf Program that offers 50% Off on Golf rounds or lessons across Australia, Bangladesh, China, Hong Kong, Japan, Macao, New Zealand, South Korea, Sri Lanka, and Taiwan
  • Instant EMI conversion for all online transactions above Rs. 2,500 on the bank’s OTP page
  • Low interest rates (APR)- Starts at just 8.5% per annum
  • Interest-free cash withdrawals from ATMs for up to 45 days. One-time cash withdrawal fee of Rs. 199 + GST is applicable
  • Activate UPI at just Rs. 199- Joining and Annual fee (2nd year onwards) of just Rs. 199 + GST, Limited period offer get 100% cashback up to Rs. 200 i.e. Rs. 50 each on the first 4 UPI transactions, and Earn up to 3X reward points on your spends
  • Enjoy 10X Reward points on incremental spends above Rs. 20,000 per statement cycle and spends done on your birthday
  • Avail 3X Reward Points on spends till Rs. 20,000 in a statement cycle
  • Avail 1X Reward Points on Insurance premium payments and Utility bill payments
  • Convert all transactions above Rs. 2,500 into EMIs
  • 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

Editor's Review

Pros

  • Get 10X Reward Points on crossing spends of Rs. 20,000 in a statement cycle and on birthdays
  • Get reimbursed up to Rs. 10,000 on non-refundable hotel and flight cancellations
  • 4 complimentary visits to lounges at select Indian railway terminals

Cons

  • No International Airport Lounge access
  • Welcome gift voucher is only provided on spending Rs. 5000 or more within 30 days of card generation
  • No Priority Pass facility

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


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