Hdfc Diners Club Black Metal Edition Credit CardJammu & Kashmir Bank Shopping Plus Credit Card

Side-by-side comparison of fees, rewards, benefits & more

Hdfc Diners Club Black Metal Edition Credit Card

HDFC Bank

4.5/5

Recommended

Jammu & Kashmir Bank Shopping Plus Credit Card

Jammu & Kashmir Bank

3.8/5

Feature

Hdfc Diners Club Black Metal Edition Credit Card

Jammu & Kashmir Bank Shopping Plus Credit Card

Bank / Issuer

HDFC Bank

Jammu & Kashmir Bank

Card Network

Visa

Mastercard

Card Type

premium

Mid

Annual Fee

₹10,000 + GST

₹999 + GST

Joining Fee

—

₹999 + GST

First Year Fee

₹10,000 + GST

₹999 + GST

Fee Waiver Condition

Annual fee waived on spends of ₹8 Lakhs or more in the preceding 12 months.

Spend ₹2 lakh in a year

Contactless Payment

Effectively Free

Jammu & Kashmir Bank Shopping Plus Credit Card — Key Features

Reward multiplier on online transactions
EMI conversion on big purchases

Jammu & Kashmir Bank Shopping Plus Credit Card — Benefits

Annual savings through merchant offers

Fee & Charges Summary

Hdfc Diners Club Black Metal Edition Credit Card

Interest Rate	1.99% per month
Cash Advance Fee	2.5% or ₹500
Reward Redemption Fee	Nil

Jammu & Kashmir Bank Shopping Plus Credit Card

Interest	3.5% per month
Late Payment Fee	As per statement amount slab

Hdfc Diners Club Black Metal Edition Credit Card — Highlights

Unlimited complimentary domestic and international lounge access for primary and add-on members.
5 Reward Points for every ₹150 spent (1 RP = ₹1 for flights/hotels)
Up to 10X Reward Points on travel and shopping via HDFC SmartBuy.
2X Reward Points on weekend dining (capped at 1,000 RP per day).
6 complimentary golf games per quarter at premium courses worldwide.

Jammu & Kashmir Bank Shopping Plus Credit Card — Highlights

Accelerated points on shopping categories
Partner-brand offers and coupons

Frequently Asked Questions

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