HDFC Diners Club Privilege vs IDBI Euphoria
Full side-by-side comparison based on verified card data. Updated April 2026.
Quick Verdict
HDFC Diners Club Privilege wins 4 of 8 dimensions with a CardTrail Score of 8.5/10 vs 7.9/10.
| Feature | HDFC Diners Club Privilege | IDBI Euphoria |
|---|---|---|
| CardTrail Score | 8.5/10 | 7.9/10 |
| Annual Fee | ₹1,000 | ₹1,499 |
| Base Reward Rate | 1.3% | 3% |
| Max Reward Rate | 10% | 6% |
| Forex Markup | 3.5% | 3.5% |
| Domestic Lounges | 8 | -1 |
| International Lounges | 0 | 0 |
| Fuel Surcharge Waiver | Yes | Yes |
| Network | Diners Club | Mastercard |
When to Choose HDFC Diners Club Privilege
- You can meet the fee waiver condition: Spend ₹3L/year
- You want higher rewards — up to 10% vs 6%
- Airport lounge access matters — 8 domestic visits
- Your primary spend is: travel, lounge, dining
When to Choose IDBI Euphoria
- You can meet the fee waiver condition: Spend Rs 1.5L/year
- Your primary spend is: travel, lounge, rewards
Annual Fee Value Analysis
To break even on HDFC Diners Club Privilege's ₹1,000 fee at 1.3% rewards, spend ₹6,410/month.
To break even on IDBI Euphoria's ₹1,499 fee at 3% rewards, spend ₹4,164/month.