State Bank of India Smart Cashback Credit CardHdfc Diners Club Black Metal Edition Credit Card
Side-by-side comparison of fees, rewards, benefits & more
State Bank of India Smart Cashback Credit Card
State Bank of India
4.3/5
Hdfc Diners Club Black Metal Edition Credit Card
HDFC Bank
4.5/5
Feature
State Bank of India Smart Cashback Credit Card
Hdfc Diners Club Black Metal Edition Credit Card
Bank / Issuer
State Bank of India
HDFC Bank
Card Network
Mastercard
Visa
Card Type
Entry
premium
Annual Fee
₹499 + GST
₹10,000 + GST
Joining Fee
₹499 + GST
—
First Year Fee
₹499 + GST
₹10,000 + GST
Fee Waiver Condition
Spend ₹1 lakh in a year
Annual fee waived on spends of ₹8 Lakhs or more in the preceding 12 months.
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
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
| 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 — Highlights
- Flat cashback on eligible spends
- Extra benefits on utility payments
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.
Frequently Asked Questions
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