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BOBCARD Tiara Credit Card VS HDFC Bank Diners Club Privilege Credit Card

A detailed, side-by-side look at 2 leading credit cards. Analyze the features that matter most to you and make an informed choice.

Features

BOBCARD Tiara Credit Card
BOBCARD Tiara Credit Card
HDFC Bank Diners Club Privilege Credit Card
HDFC Bank Diners Club Privilege Credit Card

Fees & Charges

Joining Fee
₹2,499 + GST
₹1,000 + GST
Renewal Fee
₹2,499 + GST
₹1,000 + GST
Spend Based Waiver
Joining fee waived with ₹25,000 spend in 60 days. Annual fee waived with ₹2,50,000 spend.
Renewal fee waived for next year on spends of Rs. 3 Lakhs in the card anniversary year.
Foreign Transaction Fees
Reduced Forex mark-up of 2% on International Spends.
A nominal 3.5% on all your foreign currency spends.
Interest Rate (APR)
3.25% Per Month (39% Per Annum)
3.75% Per Month (equivalent to 45% Per Annum).

Rewards & Benefits

Welcome Bonus
Free Swiggy One, Fitpass Pro, Amazon Prime/Jio Hotstar memberships, plus a women's health package.
Complimentary annual memberships of Swiggy One and Times Prime on spending ₹75,000 within 90 days.
Rewards Rate
Earn 15 Reward Points per ₹100 on Dining, Travel & International; 3 RP per ₹100 on other spends.
Earn 4 Reward Points on every Rs.150 retail spends. Up to 10X RP on SmartBuy, 5X RP on Swiggy & Zomato.
Reward Type
Reward Points
Reward Points
Reward Redemption Fee
Not applicable (N/A)
Rs 99 per redemption request (plus applicable taxes).

Travel & Lifestyle

Domestic Lounge Access
Unlimited domestic airport lounge access, conditional on ₹40,000 spend from Jan 1, 2025.
2 complimentary lounge visits per quarter in India.
International Lounge Access
No international airport lounge access is provided with this card.
2 complimentary lounge visits per quarter worldwide (including international destinations).
Travel Benefits
Accelerated 5X Reward Points on travel, 2% Forex markup, and unlimited domestic lounge access.
2 complimentary airport lounge accesses every quarter worldwide. Up to 10X Rewards on booking flights & hotels via Smartbuy.
Movie Benefits
Flat ₹250 off on a minimum purchase of 2 movie/non-movie tickets with BookMyShow, quarterly.
'Buy 1 Get 1 Free' on movie/non-movie weekend tickets via BookMyShow (max discount Rs. 250/ticket, up to 2 monthly).
Dining Benefits
Earn 15 RP/₹100 on dining, plus unlimited free deliveries with Swiggy One membership.
Earn 5X Reward Points on Swiggy and Zomato. FLAT 10% EXTRA OFF on dining bills at 35K+ restaurants via Swiggy Dineout.
Golf Benefits
Not Applicable
Not Applicable
Fuel Surcharge Waiver
1% waiver on transactions ₹400-₹5,000, max ₹250/cycle. No RPs on fuel transactions.
Not applicable.

Security & Other

Insurance Benefits
Zero Liability cover on lost card upon immediate reporting of the loss.
Air accident ₹1 Cr, overseas hospitalization ₹25 Lakhs, travel insurance ₹50k, credit liability ₹9 Lakh.
Cash Advance Charges
Not applicable (N/A)
2.5% of the withdrawal amount, subject to a minimum charge of Rs 500.
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

BOBCARD Tiara Credit Card

HDFC Bank Diners Club Privilege Credit Card

Who is it for?

The BOBCARD Tiara Credit Card empowers women with tailored rewards and benefits. It offers accelerated 5X Reward Points on dining, travel, and international spends, a low Forex markup of 2%, and valuable complimentary memberships. Enjoy unlimited domestic lounge access and UPI linking for convenient payments. The card's fees can be easily waived by meeting spending milestones, making it an excellent option for a lifestyle-focused credit card.

Who is it for?

HDFC Bank Diners Club Privilege Credit Card is a sub-premium credit card offering a range of rewards and benefits tailored for a premium lifestyle. Cardholders receive complimentary annual memberships to Swiggy One and Times Prime as a welcome benefit upon spending ₹75,000 within the first 90 days. The card provides 4 Reward Points for every ₹150 spent on retail, with accelerated earnings of up to 10x Reward Points on SmartBuy spends and 5x Reward Points on Swiggy and Zomato transactions. Additionally, it offers 'Buy 1 Get 1 Free' on weekend movie/non-movie tickets via BookMyShow and provides complimentary access to over 1,000 airport lounges worldwide.

Pros

Key benefits and features.

The 2% Forex markup charge is lower than typical, making it competitive for international transactions.

The card offers accelerated reward points for international spends, enhancing its value.

Enjoy complimentary memberships to Swiggy One, FitPass Pro, Amazon Prime, and Gaana Plus annually.

A high reward rate of 3.75% on dining, travel, and international spends is very attractive.

Pros

Key benefits and features.

Earn 4 Reward Points per Rs. 150 spent, with accelerated 5x Reward Points on Zomato and Swiggy spends.

Frequent travelers benefit from 8 complimentary domestic and international lounge access per year.

Avail complimentary annual Swiggy One and Times Prime memberships as welcome benefits on eligible spend.

Enjoy 'Buy 1 Get 1 Free' movie/non-movie tickets on weekends via BookMyShow, enhancing entertainment value.

The card offers impressive insurance benefits, including air accident and overseas hospitalization cover.

Cons

Key drawbacks and limitations.

The BOBCARD Tiara does not offer international airport lounge access despite low Forex charges.

Domestic lounge access becomes conditional on spending ₹40,000 quarterly starting January 2025.

5X reward points on dining, travel, and international spends are capped at 5,000 points per cycle.

Cons

Key drawbacks and limitations.

The welcome benefit offers of Swiggy One and Times Prime memberships may not be desired by all cardholders.

The annual fee of Rs 1,000 + taxes is relatively higher than some competing credit card options.

A rewards redemption fee of Rs 99 + taxes is applicable for each redemption request.

A foreign currency markup of 3.5% applies to international transactions, which can be quite high.

Interest rates of 3.75% per month (45% annually) can lead to high costs if balances are carried over.

How We Compare These Cards

Every comparison on CardsForYou is built from the same verified data set we use across the site - joining and renewal fees, reward rates, forex markup, lounge access, and insurance benefits - sourced directly from each issuer and refreshed regularly. We highlight the lower-cost option on fees automatically, but "best" always depends on your own spending pattern: a card that wins on annual fee may lose on reward rate for a heavy spender, and vice versa. Use the table above alongside your own typical monthly spend to judge real value, not just the headline numbers.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.