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Comparison · हिन्दी

YES Marquee vs HDFC Diners Club Black

Both cards compared on real rupee returns for best super premium credit card India YES vs HDFC under 10000. We ran the numbers so you can make the right call.

Updated · Terms checked by Prashant Parikh
YES
MARQUEE
ASHOK KUMAR
VS
HDFC
DINERS CLUB BL
ASHOK KUMAR
Our verdict
HDFC Diners Club Black Credit Card wins for most people
HDFC Diners Club Black wins decisively, delivering ₹6,632 annual benefits versus YES Marquee's ₹2,097. Its superior rewards on dining and travel, combined with fee waiver potential, make it the clear choice for this spend profile.
Side-by-side comparison
YES Marquee Credit Card HDFC Diners Club Black Credit Card ✓
Annual benefit ₹2,097 ₹6,632
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → ₹9,999 + taxes ₹10,000 + taxes (waived on ₹5L spend)
Reward rateCashback pays you directly in rupees; reward points need converting first, and their real value depends on the redemption ratio.Full definition → 24 YES Edge Points per ₹200; accelerated on travel and dining 5 reward points per ₹150; 10X on SmartBuy; unlimited lounge
Lounge accessFree entry to airport lounges, usually limited to a set number of visits per quarter or year.Full definition → Unlimited (domestic + international) Unlimited (domestic + international)
Forex markupThe extra fee your bank adds on top of the real exchange rate for any spend in a foreign currency.Full definition → 1.75% 2%
Best for Premium rewards with concierge services Premium dining and travel rewards
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → ₹25L+ per year ₹18L+ per year
Credit scoreYour 3-digit credit score (300-900), higher scores make approval easier and can unlock better cards.Full definition → 800+ 750+
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When each card wins
YES Marquee Credit Card
YES Marquee suits those prioritizing premium concierge services and lifestyle perks over pure cashback value. It's better if you value travel assistance and exclusive privileges beyond rewards.
HDFC Diners Club Black Credit Card
HDFC Diners Club Black excels for spenders with ₹5L+ annual spend who can waive the annual fee. Its 10X SmartBuy rewards and unlimited lounge access maximize value on dining and travel-heavy profiles like yours.
Who should get which card
Get YES Marquee if you…
· Priority access to concierge and travel assistance services
· Preference for lifestyle benefits over maximum rewards value
· Lower annual spend below ₹10L
Get HDFC Diners Club Black if you…
· Shopping on SmartBuy categories for 10X rewards
· Frequent dining and travel (₹23,000 monthly in your profile)
· Ability to cross ₹5L annual spend to waive ₹10K fee
· Unlimited airport lounge access
Partner offer
IDFC FIRST Ashva Credit Card
Frequent travellers who book hotels and flights through the IDFC FIRST Bank app specifically, where the real redemption value is highest; weak for everyday spending outside the app
Apply now →
IDFC
ASHOK KUMAR

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Frequently asked questions
Based on our analysis, HDFC Diners Club Black Credit Card offers better annual returns for most spend profiles.
YES Marquee Credit Card has an annual fee of ₹9,999 + taxes. HDFC Diners Club Black Credit Card has an annual fee of ₹10,000 + taxes (waived on ₹5L spend).
YES Marquee Credit Card offers 24 YES Edge Points per ₹200; accelerated on travel and dining. HDFC Diners Club Black Credit Card offers 5 reward points per ₹150; 10X on SmartBuy; unlimited lounge.
YES Marquee Credit Card lounge access: Unlimited (domestic + international). HDFC Diners Club Black Credit Card lounge access: Unlimited (domestic + international).
YES Marquee Credit Card charges 1.75% forex markup. HDFC Diners Club Black Credit Card charges 2% forex markup.