Vyaya
Side-by-Side Comparison|Updated March 2026

Shaurya SBI Card vs HDFC Bank Diners Club Black Metal Edition

Detailed comparison of fees, rewards, benefits, and value to help you choose the right credit card for your spending pattern.

SBI Card

Shaurya SBI Card

7.5/10
Annual Fee₹250
Base Rewards0.0625%
NetworkRuPay
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HDFC Bank

HDFC Bank Diners Club Black Metal Edition

9.2/10
Annual Fee₹10,000
Base Rewards0.9990000000000001%
NetworkDiners Club
View Full Details

Feature-by-Feature Comparison

FeatureShaurya SBI CardHDFC Bank Diners Club Black Metal Edition
Annual Fee₹250₹10,000
Joining Fee₹250₹10,000
Fee Waiver Spend₹50,000₹8,00,000
Base Reward Rate0.0625%0.9990000000000001%
Reward CurrencyReward PointsReward Points
NetworkRuPayDiners Club
Editor Rating7.5/109.2/10
Forex Markup3.5%3.5%

Accelerated Rewards

Shaurya SBI Card

  • 0.31% on CSD
  • 0.31% on Dining
  • 0.31% on Movies
  • 0.31% on Grocery

HDFC Bank Diners Club Black Metal Edition

  • 0% on SmartBuy Hotels
  • 0% on SmartBuy Flights
  • 0% on Weekend Dining

Pros & Cons

Shaurya SBI Card

Pros

  • Accelerated 5X reward points on CSD, dining, movies, and grocery spends.
  • Low annual fee of ₹250, easily waived on spending ₹50,000 annually.
  • Complimentary Personal Accident Insurance cover of ₹2 Lakh.
  • Welcome bonus of 1,000 reward points effectively offsets the joining fee.

Cons

  • No airport lounge access (available only on the Select variant).
  • Low base reward rate of 0.25% on non-accelerated categories.
  • Redemption fee of ₹99 + GST applies to reward redemptions.

HDFC Bank Diners Club Black Metal Edition

Pros

  • Unlimited domestic and international lounge access for both primary and add-on cardholders.
  • High base reward rate of 3.33% (5 RP per ₹150) with 1:1 redemption on flights and hotels.
  • Generous quarterly milestone of 10,000 bonus points on ₹4 Lakhs spend.
  • Complimentary annual memberships of Amazon Prime, Swiggy One, and Club Marriott on meeting spend criteria.

Cons

  • Diners Club network acceptance can be lower than Visa/Mastercard in smaller offline stores.
  • No fuel surcharge waiver, which is a downgrade from the plastic version.
  • High annual fee of ₹10,000 with a steep waiver threshold of ₹8 Lakhs.

Our Verdict

HDFC Bank Diners Club Black Metal Edition edges ahead overall with a stronger combination of rewards and value. However, Shaurya SBI Card could be the better pick if its specific category strengths match your spending habits.

Choose Shaurya SBI Card if

Tailored benefits for CSD canteen shopping and low maintenance costs.

Choose HDFC Bank Diners Club Black Metal Edition if

Unlimited global lounge access for self and add-on members plus low forex markup.

Frequently Asked Questions

Which is better: Shaurya SBI Card or HDFC Bank Diners Club Black Metal Edition?
HDFC Bank Diners Club Black Metal Edition edges ahead overall with a stronger combination of rewards and value. However, Shaurya SBI Card could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between Shaurya SBI Card and HDFC Bank Diners Club Black Metal Edition?
Shaurya SBI Card has an annual fee of ₹250, while HDFC Bank Diners Club Black Metal Edition has an annual fee of ₹10,000. Shaurya SBI Card offers a fee waiver on ₹50,000 annual spend. HDFC Bank Diners Club Black Metal Edition offers a fee waiver on ₹8,00,000 annual spend.
Which card has better rewards: Shaurya SBI Card or HDFC Bank Diners Club Black Metal Edition?
Shaurya SBI Card offers a base reward rate of 0.0625% with accelerated rewards on CSD and Dining. HDFC Bank Diners Club Black Metal Edition offers 0.9990000000000001% base rewards with bonuses on SmartBuy Hotels and SmartBuy Flights. The better choice depends on your primary spending categories.
Can I have both Shaurya SBI Card and HDFC Bank Diners Club Black Metal Edition?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Shaurya SBI Card and HDFC Bank Diners Club Black Metal Edition can complement each other if they cover different reward categories.
Which card is better for beginners: Shaurya SBI Card or HDFC Bank Diners Club Black Metal Edition?
For beginners, Shaurya SBI Card may be more approachable with a lower annual fee of ₹250. However, evaluate based on your expected spending pattern rather than fee alone.

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