Comparison Summary
| Feature | IDFC Mayura Card | HDFC Diners Club Black Credit Card |
|---|---|---|
| Card Image |
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| Card Network | Mastercard | Diners Club |
| USP | The IDFC Mayura Credit Card is a premium travel and lifestyle card offering zero forex markup, high reward points on everyday spends, and unlimited access to domestic and international airport lounges, perfect for frequent travelers and luxury seekers. Enjoy exclusive cashback, seamless EMI options, and comprehensive travel benefits that elevate your card experience. | A powerhouse premium credit card designed for frequent travelers and high spenders, the HDFC Diners Club Black offers unlimited worldwide airport lounge access, top-tier reward earnings, and exclusive lifestyle memberships—making it the ultimate choice for luxury, travel, and elite benefits in India |
| Annual Fee | 5999 - +GST | 10000 - Plus Apllicable Taxes |
| Joining Fee | 5999 - +GST | 10000 - Plus Apllicable Taxes |
| Welcome Benefits | Cashback of ₹4,000 on any 4 transactions of ₹1,000 or above within 60 days of card generation | On paying the joining fee or spending ₹1.5 lakh within the first 90 days, you get complimentary annual memberships: Club Marriott, Times Prime, Amazon Prime, Swiggy One (3 months), and MMT Black. As a monthly benefit, on spends of ₹80,000, you get to choose two vouchers per month worth ₹500 each from TataCLiQ, BookMyShow, Uber, or cult.fit |
| Lounge Access | Domestic: 4 per quarter | International: 4 per quarter On spends of ₹20,000+ in the last month | 1 complimentary guest visit per year |
Domestic: Unlimited | International: Unlimited Applicable for primary and add-on card holders |
| Reward Rate | 10X reward points per ₹150 on incremental spends above ₹20,000 per statement cycle, 5X reward points per ₹150 on spends up to ₹20,000, 3X reward points on rent, education, wallet load, and government transactions, and 1X reward points on insurance and utilities. | 5 reward points per ₹150 spent on regular purchases (approx. 3.3% value on travel bookings via SmartBuy), with up to 10X points on select partner spends, and 2X points on weekend dining; no points on fuel, wallet loads, rent, or select categories. |
| Interest Rate | 0.75% to 3.99% per month (approximately 9% to 48% per annum) | Revolving credit interest is roughly 3.6% per month (as per standard HDFC high-end card rates; confirm via latest schedule as HDFC does not state a unique rate for this card on every document). |
| Best For | Lounge Access, Travel | Dinning, Lounge Access, Travel |
| Apply Now | Apply Now | Apply Now |
Fees & Charges Comparison: IDFC Mayura Card vs HDFC Diners Club Black
| Fee Type | IDFC Mayura Card | HDFC Diners Club Black Credit Card |
| Annual/Joining Fee | ₹5,999 + GST (joining and annual fee) | ₹10,000 + GST (joining and renewal) with waiver on spends ₹5 lakh or more |
| Add-on Card Fee | ₹2,000 + GST per add-on card | ₹1,000 + GST per add-on card |
| Foreign Currency Markup | 0% forex markup on international transactions | 2% forex markup on foreign currency spends |
| Special Charges | No annual fee waiver; joining fee collected upfront | Renewal fee waived on spending ₹5 lakh in 12 months; premium memberships included on meeting spends |
The IDFC Mayura Card charges a joining and annual fee of ₹5,999 plus GST, which is payable upfront when the card is approved. There is no waiver offered on the annual fee. The add-on card fee is ₹2,000 plus GST per card. A key advantage of this card is the zero percent forex markup fee on all foreign currency transactions, making it ideal for frequent international travelers. There are no notable special charges beyond these standard fees.
On the other hand, the HDFC Diners Club Black Credit Card carries a higher joining and renewal fee of ₹10,000 plus GST. However, this renewal fee can be waived if the primary cardholder spends ₹5 lakh or more in the preceding 12 months. The add-on card is cheaper than Mayura, charged at ₹1,000 plus GST per card. Unlike the IDFC Mayura, the Diners Club Black levies a 2% foreign currency markup fee on all international transactions. As an added perk, on meeting spending thresholds, cardholders gain complimentary premium memberships such as Amazon Prime and Club Marriott, bundled with their renewal.
Welcome Benefits & Eligibility: IDFC Mayura vs HDFC Diners Club Black
The IDFC Mayura Card offers a welcome benefit of up to ₹4,000 cashback, credited as ₹1,000 cashback on each of four transactions within 60 days of card issuance. To qualify, the cardholder must complete these transactions of at least ₹1,000 each, excluding certain transaction types such as cash withdrawals and fee payments. The eligibility for this card generally requires an annual income of ₹15 lakhs or more, and the applicant must be between 23 to 65 years of age. The application process is straightforward, with options to apply online or visit a branch; instant approval is possible depending on verification.
In comparison, the HDFC Diners Club Black Credit Card provides premium welcome perks primarily through complimentary memberships like Amazon Prime, Club Marriott, Swiggy One, and more, which activate upon meeting certain spending requirements. Eligibility criteria are more stringent, targeting high-income individuals with annual income above ₹25 lakhs, age 25 and above, and a strong credit score. The application is done online or offline but involves a thorough verification process, including income proof submission.
Lounge Access Comparison: IDFC Mayura vs HDFC Diners Club Black
| Card Name | Lounge Access Details | Conditions for Free Access |
| IDFC Mayura Card | 4 complimentary domestic + 4 international lounge visits per quarter | No minimum spend required for lounge access |
| HDFC Diners Club Black | Unlimited complimentary access to 1000+ domestic & international lounges | Renewal fee waiver on ₹5 lakh annual spend; no spend needed for lounge access |
The IDFC Mayura Card offers a generous allowance of complimentary airport lounge visits including 4 domestic and 4 international lounge accesses every quarter for both the primary cardholder and guests. There are no minimum spend conditions attached to avail these lounge benefits, making it straightforward to use.
In contrast, the HDFC Diners Club Black Credit Card elevates the lounge access experience by providing unlimited complimentary access to over 1000 airport lounges worldwide, covering both domestic and international locations for primary and add-on cardholders. While the card has a renewal fee, this fee can be waived if the cardholder spends ₹5 lakh or more within 12 months. Free unlimited lounge access requires no monthly or quarterly spend hurdles, giving premium flexibility to frequent travelers.
Overall, while IDFC Mayura provides a fixed limited number of lounge visits each quarter, HDFC Diners Club Black grants unlimited entry to a far larger network of lounges. This makes the Diners Club Black an excellent choice for extensive travelers who value unrestricted airport lounge access.
Cashback & Rewards Structure: IDFC Mayura vs HDFC Diners Club Black
| Feature | IDFC Mayura Card | HDFC Diners Club Black Credit Card |
| Base Reward Rate | 5X rewards below ₹20,000/month; 10X rewards above ₹20,000 | 5 reward points/₹150 spent; up to 10X points via SmartBuy |
| Category Spends | 3X on rent, wallet, education, utilities; Travel 50X (hotels), 30X (flights) via app | 2X points on weekend dining; Bonus points on SmartBuy platform |
| Cashback/Reward Caps | Monthly cap of 25,000 bonus reward points | No explicit caps mentioned for reward points |
| Accrual Method | Reward Points redeemable at 0.25₹ to 0.50₹ per point for travel bookings | 3.33% to 33% effective value based on spend channel |
The IDFC Mayura Card offers a tiered rewards structure where cardholders earn 5X reward points on retail spends up to ₹20,000 in a statement cycle and 10X points on incremental spends above ₹20,000. Additionally, category spends like rent, wallet load, education, and utilities earn 3X points. Travel bookings made through the IDFC First Bank app enjoy accelerated rewards—50X points on hotels and 30X on flights with a monthly cap of 25,000 bonus points. The base reward points are redeemable at a value ranging from ₹0.25 per point to ₹0.50 per point, depending on the redemption channel, offering solid value for frequent travelers.
On the other hand, the HDFC Diners Club Black Credit Card provides 5 reward points for every ₹150 spent across all categories, with opportunities to earn up to 10X points when purchases are made via the SmartBuy platform. Category benefits include 2X points on weekend dining spends. Unlike the Mayura card, explicit caps on reward points are not prominently mentioned, and the effective value of points varies widely from 3.33% to as high as 33%, particularly when leveraged through partner deals and SmartBuy online transactions.
Overall, the IDFC Mayura Card is advantageous for structured tiered rewards and high-value travel bookings via its app, while the HDFC Diners Club Black appeals to high spenders who can maximize multipliers on lifestyle spends, especially through SmartBuy, granting potentially higher cashback values.
Cashback & Rewards Redemption: IDFC Mayura vs HDFC Diners Club Black
For the IDFC Mayura Card, reward points earned can be redeemed primarily through the IDFC FIRST Bank mobile app or internet banking. Cardholders can convert their points into gift vouchers, products, or pay for travel bookings (hotels and flights) through the app. Points have a value of ₹0.25 each when redeemed for non-travel spends and up to ₹0.50 for travel bookings. Redemption requires logging into the IDFC FIRST Bank app, selecting the credit card, viewing available rewards, and choosing the redemption option. A nominal redemption fee of ₹99 plus GST applies for each redemption, and the process may take up to 14 working days for credit. Points can be converted to vouchers for popular brands like Amazon Pay, Bigbasket, Uber, and more. Reward points cannot be redeemed against cash or statement credit directly, but only through gift cards or app payments. To confirm redemption, users validate their mobile number via OTP and link the voucher codes to their accounts.
The HDFC Diners Club Black Credit Card offers redemption options through the HDFC Rewards portal and SmartBuy platform. Points accrued can be redeemed in multiple ways including gift cards, flight and hotel bookings, and statement credit towards outstanding balances. The redemption value of points depends on the channel, ranging between 0.33% to over 30% effective cashback value if redeemed strategically via partners. Redemption usually requires visiting the HDFC Rewards website or app, signing in, selecting the card, and opting for preferred redemption options. Restrictions may apply on minimum redemption amounts and certain partners, and point validity is subject to account activity and terms of service. Unlike IDFC Mayura, redemptions for statement credit or cashback are more flexible but may have variable value depending on redemption choice.
Both cards provide valuable redemption frameworks favoring gift vouchers and travel bookings but differ in redemption ease and flexibility. IDFC Mayura emphasizes app-based redemption and fixed value per point, while HDFC Diners Club Black offers broader options with potentially higher value but more steps involved.
Frequenly Asked Questions (FAQ’s)
No, the IDFC Mayura Card is not lifetime free. It has an annual fee of ₹5,999 plus GST, payable upfront, without typical fee waivers. However, there are other IDFC cards that offer lifetime free benefits, but Mayura is positioned as a premium card with fees aligned to its benefits.
IDFC Mayura cardholders redeem rewards primarily through the bank’s mobile app or internet banking, converting points to vouchers or travel bookings. Redemption incurs a nominal fee and points value ranges from ₹0.25 to ₹0.50 per point. HDFC Diners Club Black offers more flexible redemption via HDFC’s SmartBuy portal, including statement credits, gift cards, and travel bookings, with reward values varying up to 33% depending on the method.
IDFC Mayura grants 4 complimentary domestic plus 4 international lounge visits every quarter without minimum spend conditions. HDFC Diners Club Black offers unlimited lounge access globally for cardholders and add-ons, with lounge access being a significant premium benefit especially for frequent travelers.
Maximize rewards by shopping through the SmartBuy platform, which offers up to 10X points on select categories like hotels and flights. Weekend dining earns 2X points, and high spends can unlock additional bonus points and complimentary memberships like Amazon Prime, enhancing overall value.
IDFC Mayura points cannot be redeemed for cash or direct statement credit and require minimum transactions to activate welcome benefits. HDFC Diners Club Black rewards may have minimum redemption limits and points expire after 3 years. Lounge access for IDFC Mayura has no spend conditions, while HDFC Diners Club Black’s lounge access is linked to fee payment or spending milestones.
Conclusion
Choosing between the IDFC Mayura Card and the HDFC Diners Club Black Credit Card depends largely on individual spending habits and travel needs. The IDFC Mayura Card is ideal for frequent international travelers who want the perk of zero forex markup, decent lounge access, and rewarding cashback on category spends, albeit with a moderate annual fee and straightforward redemption options. On the other hand, the HDFC Diners Club Black targets high spenders seeking a luxurious lifestyle experience with unlimited lounge access, premium memberships, and a versatile, high-value rewards program. While it has a higher fee, the opportunity for fee waivers and the expansive benefits justify the cost for many. For those prioritizing travel and forex benefits, the Mayura card is preferable; for those valuing lifestyle perks and premium rewards multiplicators, the Diners Club Black is the better fit. This detailed comparison empowers users to select a credit card that matches their financial goals and lifestyle preferences with clarity and confidence.
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