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Comparison · हिन्दी

HDFC Diners Club Privilege vs SBI Card PRIME

Both cards compared on real rupee returns for entry-premium lifestyle card lounge access dining grocery rewards. We ran the numbers so you can make the right call.

Last updated: · Based on current card terms
HDFC
DINERS CLUB PR
ASHOK KUMAR
VS
SBI
CARD PRIME
ASHOK KUMAR
Our verdict
HDFC Diners Club Privilege Credit Card wins for most people
HDFC Diners Club Privilege wins with ₹680 annual benefit versus SBI Card PRIME's -₹119 loss. The lower fee and superior food delivery rewards make it the clear choice for this spend profile.
Side-by-side comparison
HDFC Diners Club Privilege Credit Card ✓ SBI Card PRIME
Annual benefit ₹680 -₹119
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → ₹1,000 + taxes (waived on ₹3,00,000/year spend) ₹2,999 + taxes (waived on ₹3,00,000/year spend)
Reward rateCashback pays you directly in rupees; reward points need converting first, and their real value depends on the redemption ratio.Full definition → 5X reward points on Swiggy and Zomato (2.5%); 4 RP per ₹200 on all others (0.5% from May 2026); up to 10X on SmartBuy 10 reward points per ₹100 on dining, grocery, movies, departmental stores (2.5%); 2 RP per ₹100 on others (0.5%)
Lounge accessFree entry to airport lounges, usually limited to a set number of visits per quarter or year.Full definition → 2 domestic + 1 international per quarter (on ₹60,000/quarter spend from Jul 2026) 8 domestic + 4 international visits/year (2 per quarter each)
Forex markupThe extra fee your bank adds on top of the real exchange rate for any spend in a foreign currency.Full definition → 3.5% 3.5%
Best for Entry-level premium card with food delivery rewards, BOGO movies and lounge access at minimal fee Lifestyle spenders who want dining, grocery and movie rewards with lounge access
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → ₹30,000/month (salaried) ₹50,000/month (salaried)
Credit scoreYour 3-digit credit score (300-900), higher scores make approval easier and can unlock better cards.Full definition → 700+ 750+
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When each card wins
HDFC Diners Club Privilege Credit Card
HDFC Diners Club Privilege excels when you spend heavily on Swiggy and Zomato, earning 2.5% rewards. Its lower ₹1,000 fee also makes it better for moderate spenders under ₹3,00,000 annually.
SBI Card PRIME
SBI Card PRIME suits grocery-focused shoppers who can hit ₹3,00,000 annual spend to waive its ₹2,999 fee. It's ideal if you prioritize departmental store and movie rewards alongside dining.
Who should get which card
Get HDFC Diners Club Privilege if you…
· Food delivery enthusiasts (Swiggy/Zomato users)
· Spenders with moderate annual spend under ₹3,00,000
· Those seeking fee-friendly premium benefits
· Shoppers wanting practical everyday rewards
Get SBI Card PRIME if you…
· High-volume grocery and departmental store shoppers
· Consistent spenders crossing ₹3,00,000 annually
· Movie lovers wanting premium lifestyle perks
· Those maximizing dining + grocery combo rewards
Partner offer
Axis Bank Select Credit Card
Higher spenders (₹6L+ income) who will spend ₹3L+ a year, want international lounge access through Priority Pass with 12 visits, and want a 2% earn rate on everyday retail spends
Apply now →
AXIS
ASHOK KUMAR

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Frequently asked questions
Based on our analysis, HDFC Diners Club Privilege Credit Card offers better annual returns for most spend profiles.
HDFC Diners Club Privilege Credit Card has an annual fee of ₹1,000 + taxes (waived on ₹3,00,000/year spend). SBI Card PRIME has an annual fee of ₹2,999 + taxes (waived on ₹3,00,000/year spend).
HDFC Diners Club Privilege Credit Card offers 5X reward points on Swiggy and Zomato (2.5%); 4 RP per ₹200 on all others (0.5% from May 2026); up to 10X on SmartBuy. SBI Card PRIME offers 10 reward points per ₹100 on dining, grocery, movies, departmental stores (2.5%); 2 RP per ₹100 on others (0.5%).
HDFC Diners Club Privilege Credit Card lounge access: 2 domestic + 1 international per quarter (on ₹60,000/quarter spend from Jul 2026). SBI Card PRIME lounge access: 8 domestic + 4 international visits/year (2 per quarter each).
HDFC Diners Club Privilege Credit Card charges 3.5% forex markup. SBI Card PRIME charges 3.5% forex markup.