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HDFC Bank Diners Club Black Metal Edition Credit Card VS Yes Bank Marquee 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.
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Last updated: 18 July 2026

Both Yes Bank Marquee Credit Card and HDFC Bank Diners Club Black Metal Edition Credit Card suit travel-focused spenders, but they earn and cost differently. Yes Bank Marquee Credit Card costs ₹9,999 + GST and earns 36 RP on ₹200 online (4.5%), 18 RP on ₹200 offline (2.25%), 10 RP on ₹200 utilities (1.25%). HDFC Bank Diners Club Black Metal Edition Credit Card costs ₹10,000 + GST and earns 5 Reward Points for every ₹150 retail spend; up to 10X via SmartBuy & 2X on weekend dining. Yes Bank Marquee Credit Card also brings 6 complimentary visits/quarter for primary/add-on + 2 guest visits/quarter (spend ₹1L/quarter), while HDFC Bank Diners Club Black Metal Edition Credit Card counters with unlimited complimentary airport lounge visits across India for primary and add-on card members. If shopping spending matters more, go with Yes Bank Marquee Credit Card; if dining is the priority, HDFC Bank Diners Club Black Metal Edition Credit Card fits better.

HDFC Bank Diners Club Black Metal Edition Credit Card
HDFC Bank Diners Club Black Metal Edition Credit Card
Yes Bank Marquee Credit Card
Yes Bank Marquee Credit Card

Fees & Charges

Joining Fee₹10,000 + GST
Joining Fee₹9,999 + GST
Renewal Fee₹10,000 + GST
Renewal Fee₹4,999 + GST
Spend Based WaiverRenewal fee waived on spending ₹8 Lakhs in 12 months for the subsequent renewal year.
Spend Based WaiverAnnual fee waived on spending Rs. 10 Lakh in a year.
Foreign Transaction Fees2% markup on all foreign currency spends; billed within 60 days from settlement date.
Foreign Transaction Fees1% of the transaction amount.
Interest Rate (APR)1.99% monthly interest rate, equating to 23.88% annually on outstanding balances.
Interest Rate (APR)2.99% per month (35.88% annually).

Rewards & Benefits

Welcome BonusComplimentary annual memberships to Club Marriott, Amazon Prime, and Swiggy One on ₹1.5L spend.
Welcome Bonus40,000 Reward Points & complimentary ETPrime subscription voucher worth ₹3,199.
Rewards RateEarn 5 Reward Points for every ₹150 retail spend; up to 10X via SmartBuy & 2X on weekend dining.
Rewards RateEarn 36 RP on ₹200 online (4.5%), 18 RP on ₹200 offline (2.25%), 10 RP on ₹200 utilities (1.25%).
Reward TypeReward Points
Reward TypeReward Points
Reward Redemption FeeNot Applicable
Reward Redemption Fee₹100 + GST

Travel & Lifestyle

Domestic Lounge AccessUnlimited complimentary airport lounge visits across India for primary and add-on card members.
Domestic Lounge Access6 complimentary visits/quarter for primary/add-on + 2 guest visits/quarter (spend ₹1L/quarter).
International Lounge AccessUnlimited complimentary airport lounge visits across the world for primary and add-on card members.
International Lounge AccessUnlimited access for primary/add-on cardholders + 4 guest visits/year.
Travel BenefitsUnlimited domestic & international lounge access. Comprehensive travel insurance and concierge services.
Travel BenefitsLow 1% foreign currency markup; extensive lounge access; travel assistance.
Movie BenefitsAmazon Prime membership provides access to ad-free entertainment with Prime Video.
Movie BenefitsBuy One Get One (BOGO) on movie tickets, capped at 3/month (max ₹800/ticket).
Dining BenefitsEnjoy 2X points on weekend dining & flat 10% off at 35,000+ restaurants with Swiggy Dineout.
Dining Benefits15% discount at select restaurants.
Golf Benefits6 complimentary golf games every quarter (24 annually) across finest courses worldwide.
Golf BenefitsWaiver of 4 Green Fees; 1 complimentary golf lesson per month at select courses.
Fuel Surcharge WaiverNot Applicable
Fuel Surcharge Waiver1% waiver on transactions ₹500-₹5,000, max ₹1,000/statement cycle.

Security & Other

Insurance Benefits₹2 Cr air accident cover, ₹50L overseas hospitalization, ₹55K baggage delay & ₹9L credit liability.
Insurance BenefitsCredit Shield Cover of Rs. 3 Lakh; 6-month accidental damage insurance for online electronics.
Cash Advance Charges2.5% of total amount or ₹500, whichever is higher, for cash withdrawals.
Cash Advance Charges2.5% or ₹650, whichever is higher.
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

HDFC Bank Diners Club Black Metal Edition Credit Card

Yes Bank Marquee Credit Card

Who is it for?

The HDFC Bank Diners Club Black Metal Edition Credit Card is a luxurious, feature-rich premium offering from HDFC Bank, designed for high-spenders seeking a comprehensive lifestyle upgrade. It provides unlimited international and domestic lounge access, 24 complimentary golf games annually, and strong reward earning potential on various spends. This card excels in travel, dining, and shopping benefits, making it a powerful contender in the high-end credit card market.

Who is it for?

The Yes Bank Marquee Credit Card is a super-premium offering designed for individuals seeking extensive benefits across travel, shopping, and entertainment. It features unlimited international airport lounge access, buy-one-get-one-free movie tickets, and an accelerated reward points program. With a low 1% foreign currency markup and purchase protection, it's ideal for frequent travelers and high spenders who can maximize its premium perks.

Pros

Key benefits and features.

Unlimited international and domestic lounge access for primary and add-on cardholders.

Enjoy 6 complimentary golf games each quarter across finest courses globally (24 annually).

Generous welcome benefits including annual memberships to Club Marriott, Amazon Prime, and Swiggy One.

Strong reward point earning potential, especially on SmartBuy and weekend dining expenditures.

Comprehensive insurance covers like air accidents, overseas hospitalization, and baggage delay.

Pros

Key benefits and features.

Ideal for international travelers due to unlimited international lounge access and a low 1% foreign currency markup.

Attractive for entertainment lovers, offering BOGO movie tickets and dining discounts.

Accelerated reward points on online and offline spends, including specific utility payments.

Cons

Key drawbacks and limitations.

The joining fee of ₹10,000 plus taxes may be considered high for many premium card users.

Renewal fee waiver requires a substantial annual spend of ₹8 Lakhs, challenging for some.

Diners Club cards can sometimes face acceptability issues with certain merchants in India.

Cons

Key drawbacks and limitations.

The card has a high joining fee of Rs. 9,999 + GST, making initial cost significant.

Welcome benefits, while valuable, may seem limited compared to the high joining charge.

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.
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