Hdfc Diners Club Black Metal Edition Credit CardState Bank of India Smart Cashback Credit Card
Side-by-side comparison of fees, rewards, benefits & more
Hdfc Diners Club Black Metal Edition Credit Card
HDFC Bank
4.5/5
State Bank of India Smart Cashback Credit Card
State Bank of India
4.3/5
Feature
Hdfc Diners Club Black Metal Edition Credit Card
State Bank of India Smart Cashback Credit Card
Bank / Issuer
HDFC Bank
State Bank of India
Card Network
Visa
Mastercard
Card Type
premium
Entry
Annual Fee
₹10,000 + GST
₹499 + GST
Joining Fee
—
₹499 + GST
First Year Fee
₹10,000 + GST
₹499 + GST
Fee Waiver Condition
Annual fee waived on spends of ₹8 Lakhs or more in the preceding 12 months.
Spend ₹1 lakh in a year
Contactless Payment
Effectively Free
State Bank of India Smart Cashback Credit Card — Key Features
- Cashback credited monthly
- Milestone spend fee waiver
State Bank of India Smart Cashback Credit Card — Benefits
- Easy-to-track savings on regular expenses
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 |
State Bank of India Smart Cashback 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.
State Bank of India Smart Cashback Credit Card — Highlights
- Flat cashback on eligible spends
- Extra benefits on utility payments
Frequently Asked Questions
People Also Compare
Tata Neu Plus Hdfc Bank Credit Card vs Hdfc Regalia Gold Credit CardTata Neu Plus Hdfc Bank Credit Card vs Hdfc Millennia Credit CardTata Neu Plus Hdfc Bank Credit Card vs State Bank of India Shopping Plus Credit CardTata Neu Plus Hdfc Bank Credit Card vs Punjab National Bank Travel Signature Credit CardTata Neu Plus Hdfc Bank Credit Card vs Jammu & Kashmir Bank Smart Cashback Credit CardTata Neu Plus Hdfc Bank Credit Card vs Jammu & Kashmir Bank Shopping Plus Credit Card