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Zomato Edition Classic 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.
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Last updated: 18 July 2026

Both Zomato Edition Classic Credit Card and HDFC Bank Diners Club Privilege Credit Card suit dining-focused spenders, but they earn and cost differently. Zomato Edition Classic Credit Card costs ₹500 + GST and earns 5 Edition Cash for every ₹100 on Zomato/Blinkit; 1 Edition Cash for every ₹100 on other spends. HDFC Bank Diners Club Privilege Credit Card costs ₹1,000 + GST and earns 4 Reward Points on every Rs.150 retail spends. Up to 10X RP on SmartBuy, 5X RP on Swiggy & Zomato. Zomato Edition Classic Credit Card also brings 500 Edition Cash & complimentary annual Zomato Pro membership upon joining, while HDFC Bank Diners Club Privilege Credit Card counters with 2 complimentary lounge visits per quarter in India. If dining spending matters more, go with Zomato Edition Classic Credit Card; if premium is the priority, HDFC Bank Diners Club Privilege Credit Card fits better.

Zomato Edition Classic Credit Card
Zomato Edition Classic Credit Card
HDFC Bank Diners Club Privilege Credit Card
HDFC Bank Diners Club Privilege Credit Card

Fees & Charges

Joining Fee₹500 + GST
Joining Fee₹1,000 + GST
Renewal Fee₹500 + GST
Renewal Fee₹1,000 + GST
Spend Based Waiver
Spend Based WaiverRenewal fee waived for next year on spends of Rs. 3 Lakhs in the card anniversary year.
Foreign Transaction FeesUp to 3.5% (plus applicable taxes)
Foreign Transaction FeesA nominal 3.5% on all your foreign currency spends.
Interest Rate (APR)3.99% per month (equivalent to 47.88% annually)
Interest Rate (APR)3.75% Per Month (equivalent to 45% Per Annum).

Rewards & Benefits

Welcome Bonus500 Edition Cash & complimentary annual Zomato Pro membership.
Welcome BonusComplimentary annual memberships of Swiggy One and Times Prime on spending ₹75,000 within 90 days.
Rewards RateEarn 5 Edition Cash per Rs. 100 on Zomato/Blinkit (capped daily); 1 Edition Cash per Rs. 100 on others.
Rewards RateEarn 4 Reward Points on every Rs.150 retail spends. Up to 10X RP on SmartBuy, 5X RP on Swiggy & Zomato.
Reward TypeReward Points
Reward TypeReward Points
Reward Redemption FeeNil
Reward Redemption FeeRs 99 per redemption request (plus applicable taxes).

Travel & Lifestyle

Domestic Lounge Access
Domestic Lounge Access2 complimentary lounge visits per quarter in India.
International Lounge Access
International Lounge Access2 complimentary lounge visits per quarter worldwide (including international destinations).
Travel Benefits
Travel Benefits2 complimentary airport lounge accesses every quarter worldwide. Up to 10X Rewards on booking flights & hotels via Smartbuy.
Movie Benefits
Movie Benefits'Buy 1 Get 1 Free' on movie/non-movie weekend tickets via BookMyShow (max discount Rs. 250/ticket, up to 2 monthly).
Dining BenefitsComplimentary Zomato Pro membership & accelerated rewards on Zomato/Blinkit.
Dining BenefitsEarn 5X Reward Points on Swiggy and Zomato. FLAT 10% EXTRA OFF on dining bills at 35K+ restaurants via Swiggy Dineout.
Golf Benefits
Golf BenefitsNot Applicable
Fuel Surcharge Waiver1% fuel surcharge waived for transactions between Rs. 500 and Rs. 4,000.
Fuel Surcharge WaiverNot applicable.

Security & Other

Insurance Benefits
Insurance BenefitsAir accident ₹1 Cr, overseas hospitalization ₹25 Lakhs, travel insurance ₹50k, credit liability ₹9 Lakh.
Cash Advance Charges2.5% of withdrawn amount, with a minimum charge of Rs. 500.
Cash Advance Charges2.5% 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.

Zomato Edition Classic Credit Card

HDFC Bank Diners Club Privilege Credit Card

Who is it for?

The Zomato Edition Classic Credit Card, issued by RBL Bank, was designed for Zomato users and food enthusiasts, offering exclusive dining benefits. It provided a complimentary annual Zomato Pro membership and accelerated Edition Cash on Zomato and Blinkit purchases. While it offered value for dedicated foodies, the card has recently undergone significant devaluations and is now discontinued, limiting its appeal and availability.

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.

Offers significant value for frequent Zomato users with dining-focused benefits.

Includes a complimentary annual Zomato Pro membership, enhancing food ordering experience.

Accelerated rewards of 5 Edition Cash per Rs. 100 on Zomato and Blinkit spends.

Edition Cash is flexible, redeemable for Zomato purchases or against statement balance.

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 card has been discontinued, limiting new applications and future benefits.

Significant devaluation of benefits, including removal of 5% cashback at dining outlets.

Lacks benefits in other popular categories like travel, movies, and lounge access.

A cap of 1% on all other transactions limits overall reward earning potential.

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.
Apply for HDFC Bank Diners Club Privilege Credit Card(opens in new tab)