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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.

Features

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
₹1,000 + GST
Renewal Fee
₹500 + GST
₹1,000 + GST
Spend Based Waiver
Not Applicable
Renewal fee waived for next year on spends of Rs. 3 Lakhs in the card anniversary year.
Foreign Transaction Fees
Up to 3.5% (plus applicable taxes)
A nominal 3.5% on all your foreign currency spends.
Interest Rate (APR)
3.99% per month (equivalent to 47.88% annually)
3.75% Per Month (equivalent to 45% Per Annum).

Rewards & Benefits

Welcome Bonus
500 Edition Cash & complimentary annual Zomato Pro membership upon joining.
Complimentary annual memberships of Swiggy One and Times Prime on spending ₹75,000 within 90 days.
Rewards Rate
5 Edition Cash for every ₹100 on Zomato/Blinkit; 1 Edition Cash for every ₹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
Nil
Rs 99 per redemption request (plus applicable taxes).

Travel & Lifestyle

Domestic Lounge Access
Not Applicable
2 complimentary lounge visits per quarter in India.
International Lounge Access
Not Applicable
2 complimentary lounge visits per quarter worldwide (including international destinations).
Travel Benefits
Not Applicable
2 complimentary airport lounge accesses every quarter worldwide. Up to 10X Rewards on booking flights & hotels via Smartbuy.
Movie Benefits
Not Applicable
'Buy 1 Get 1 Free' on movie/non-movie weekend tickets via BookMyShow (max discount Rs. 250/ticket, up to 2 monthly).
Dining Benefits
Complimentary Zomato Pro & 5 Edition Cash for every ₹100 on Zomato/Blinkit (capped daily).
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% fuel surcharge levied; waived for select transactions between ₹500 and ₹4,000.
Not applicable.

Security & Other

Insurance Benefits
Not Applicable
Air accident ₹1 Cr, overseas hospitalization ₹25 Lakhs, travel insurance ₹50k, credit liability ₹9 Lakh.
Cash Advance Charges
2.5% of the withdrawn amount (with a minimum charge of ₹500)
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.

Zomato Edition Classic Credit Card

HDFC Bank Diners Club Privilege Credit Card

Who is it for?

The Zomato Edition Classic Credit Card, a collaboration between RBL Bank, Zomato, and MasterCard, is designed for Zomato users seeking exclusive dining benefits. This card provides a complimentary annual Zomato Pro membership and offers 500 Edition Cash as a welcome benefit. Cardholders earn accelerated Edition Cash on Zomato and Blinkit purchases, along with a standard rate on other expenditures, and can redeem points for food or statement balance. It's an excellent choice for frequent online food orderers.

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 exclusive dining benefits with a complimentary Zomato Pro membership.

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

Redeem Edition Cash for Zomato purchases or against credit card statement.

Get 2,000 bonus Edition Cash annually by spending over ₹2,00,000.

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.

Lacks any complimentary domestic or international airport lounge access facilities.

Does not offer any specific benefits for travel, golf, or insurance needs.

High interest rates of 3.99% per month, equating to 47.88% annually.

A 1% fuel surcharge is levied on transactions, with a minimum charge of ₹10.

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.