Credit cards designed for lifestyle spending are becoming increasingly popular, especially among users who spend on dining, travel, entertainment and online shopping. Two strong contenders in this segment are BoB Tiara Credit Card and HDFC Diners Club Privilege Credit Card.
Both cards offer good rewards and benefits, but they differ significantly in their fee structure, reward system, lifestyle benefits and travel perks. Here’s a simple and complete comparison to help you choose the right one.
Fees & Annual Waivers
BoB Tiara
- Joining fee: ₹2,499
- Annual fee: ₹2,499
- Annual fee waiver: On spending ₹2.5 lakh in a year
HDFC Diners Club Privilege
- Joining fee: ₹1,000 + taxes
- Annual fee: ₹1,000 + taxes
- Annual fee waiver: On spending ₹3 lakh in a year
Summary:
BoB Tiara charges a higher annual fee but requires a lower annual spend for waiver. Diners Club Privilege has a lower fee but requires slightly higher annual spending for waiver.
Rewards & Value-back Comparison
BoB Tiara – Rewards
- 15 reward points per ₹100 on dining, travel, and international spends (5X rewards)
- Accelerated rewards on Swiggy and Zomato
- 3 reward points per ₹100 on all other spends
- 1 reward point = ₹0.25 when redeemed as cashback
HDFC Diners Club Privilege – Rewards
- Up to 10X reward points on travel bookings (flights & hotels) through partner platforms
- 4 reward points per ₹150 on other spends
- 1 reward point value:
- Up to ₹0.50 for flights/hotels
- Around ₹0.35 on catalogue items
Summary:
- BoB Tiara gives high rewards for lifestyle categories like dining and food delivery.
- Diners Club Privilege gives the highest value for users who frequently book flights and hotels.
Lifestyle Benefits & Extra Perks
BoB Tiara – Lifestyle Perks
- Complimentary entertainment, OTT and fitness memberships
- Exclusive wellness and beauty discounts
- Lower forex markup of 2%
- Domestic lounge access (based on spend conditions)
HDFC Diners Club Privilege – Lifestyle Perks
- Complimentary domestic & international airport lounge access
- Dining discounts at partner restaurants
- “Buy 1 Get 1 Free” movie or event tickets
- Strong travel partnerships for hotels, flights, dining & entertainment
Summary:
BoB Tiara focuses more on lifestyle categories such as wellness, entertainment and subscriptions.
Diners Club Privilege focuses more on dining, movies and travel.
Which Card Fits Your Lifestyle?
Choose BoB Tiara if you:
- Spend more on dining, food delivery, travel and lifestyle categories
- Want entertainment, OTT and wellness subscriptions
- Want lower forex markup for international usage
- Prefer a card that offers benefits across multiple lifestyle categories
- Can meet the ₹2.5 lakh annual spend for fee waiver
Choose HDFC Diners Club Privilege if you:
- Travel frequently and book flights/hotels often
- Want international + domestic airport lounge access
- Want a lower annual fee
- Enjoy weekend movies and dining offers
- Prefer high-value reward redemption for travel bookings
- Can meet the ₹3 lakh annual spend for fee waiver
Final Verdict
Both cards are good but serve different spending habits:
- BoB Tiara is ideal if your spending revolves around dining, food delivery, international payments, wellness and entertainment.
- HDFC Diners Club Privilege is better if you travel regularly, use lounges, enjoy movie offers, and want higher value-back on flight/hotel bookings.
In simple words:
- For lifestyle + dining + OTT benefits → Choose BoB Tiara
For travel + lounge + dining perks → Choose HDFC Diners Club Privilege