HDFC Diners Club Privilege vs SBI Card PRIME
Full side-by-side comparison based on verified card data. Updated April 2026.
Quick Verdict
HDFC Diners Club Privilege wins 3 of 8 dimensions with a CardTrail Score of 8.5/10 vs 8.6/10.
| Feature | HDFC Diners Club Privilege | SBI Card PRIME |
|---|---|---|
| CardTrail Score | 8.5/10 | 8.6/10 |
| Annual Fee | ₹1,000 | ₹2,999 |
| Base Reward Rate | 1.3% | 0.5% |
| Max Reward Rate | 10% | 5% |
| Forex Markup | 3.5% | 3.5% |
| Domestic Lounges | 8 | 8 |
| International Lounges | 0 | 4 |
| Fuel Surcharge Waiver | Yes | Yes |
| Network | Diners Club | Visa Signature |
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 5%
- Your primary spend is: travel, lounge, dining
When to Choose SBI Card PRIME
- You can meet the fee waiver condition: Spend ₹3L/year
- Your primary spend is: travel, dining, entertainment
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 SBI Card PRIME's ₹2,999 fee at 0.5% rewards, spend ₹49,983/month.