HDFC Diners Club Black vs Shoppers Stop Black HDFC Bank
Full side-by-side comparison based on verified card data. Updated April 2026.
Quick Verdict
HDFC Diners Club Black wins 4 of 8 dimensions with a CardTrail Score of 9.1/10 vs 8.1/10.
| Feature | HDFC Diners Club Black | Shoppers Stop Black HDFC Bank |
|---|---|---|
| CardTrail Score | 9.1/10 | 8.1/10 |
| Annual Fee | ₹10,000 | ₹4,500 |
| Base Reward Rate | 3.3% | 2% |
| Max Reward Rate | 33% | 7% |
| Forex Markup | 1.99% | 3.5% |
| Domestic Lounges | -1 | 4 |
| International Lounges | -1 | 2 |
| Fuel Surcharge Waiver | Yes | Yes |
| Network | Diners Club | Visa |
When to Choose HDFC Diners Club Black
- You can meet the fee waiver condition: Spend ₹5L/year
- You travel internationally — saves ₹1,510/year on ₹1L forex spend
- You want higher rewards — up to 33% vs 7%
- Your primary spend is: travel, luxury, dining
When to Choose Shoppers Stop Black HDFC Bank
- Airport lounge access matters — 4 domestic visits
- Your primary spend is: shopping, lifestyle, lounge
Forex Cost Comparison
On ₹1,00,000 annual international spending: HDFC Diners Club Black costs ₹2,348 in forex fees vs Shoppers Stop Black HDFC Bank at ₹4,130. You save ₹1,782/year with HDFC Diners Club Black.
Annual Fee Value Analysis
To break even on HDFC Diners Club Black's ₹10,000 fee at 3.3% rewards, spend ₹25,253/month.
To break even on Shoppers Stop Black HDFC Bank's ₹4,500 fee at 2% rewards, spend ₹18,750/month.