HDFC Diners Club Privilege vs SBI Card PRIME: Premium Lifestyle and Travel Benefits Compared

If you travel frequently and enjoy dining, luxury experiences, and exclusive benefits, choosing the right credit card can greatly enhance your lifestyle. Here’s a detailed comparison of HDFC Diners Club Privilege and SBI PRIME Credit Card, two strong contenders in the premium card category.

Feature Comparison

Feature HDFC Diners Club Privilege Credit Card SBI Card PRIME Credit Card

Annual Fee

₹2,500 (waived on spends above ₹3 lakh/year)

₹2,999 (waived on spends above ₹3 lakh/year)

Welcome Benefits

Complimentary annual memberships (Amazon Prime, Zomato Pro, etc.)

₹3,000 worth e-gift vouchers

Reward Points

4 reward points per ₹150 spent

5 reward points per ₹100 spent on dining, groceries, movies

Lounge Access

12 domestic + 6 international lounge visits per year

4 domestic lounge visits per quarter

Dining Benefits

Up to 15% off at partner restaurants

10% cashback on dining spends (limited-time offers)

Travel Benefits

Complimentary golf games + travel insurance

Complimentary Club Vistara membership

Fuel Surcharge Waiver

1% on transactions between ₹400–₹5,000

1% on transactions between ₹500–₹4,000

Key Differences

  • HDFC Diners Club Privilege: Ideal for frequent travelers and users who prefer international lounge access and memberships.
  • SBI Card PRIME: Better for domestic users seeking dining and entertainment benefits along with travel perks.
  • Reward System: HDFC uses reward points that can be redeemed for flights, hotels, or vouchers, while SBI PRIME focuses on direct value through cashback and vouchers.

Which Card Should You Choose?

  • Choose HDFC Diners Club Privilege if you travel internationally and value lounge access, premium memberships, and high reward flexibility.
  • Choose SBI Card PRIME if you want a strong mix of dining, movie, and domestic travel benefits at a slightly lower effective cost.

Tips to Maximize Benefits

  1. Use HDFC Diners Club for international travel and premium dining to earn more reward points.
  2. Use SBI PRIME for everyday spends like groceries, fuel, and entertainment to enjoy consistent cashback.
  3. Redeem reward points for travel bookings to get maximum value.
  4. Track annual spending to ensure your fee gets waived and rewards remain cost-effective.

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