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Credit CardsComparisons

Amex Platinum Reserve Credit Card vs HDFC Diners Club Black

A head-to-head comparison of Amex Platinum Reserve Credit Card and HDFC Diners Club Black across fees, rewards, and spending categories to help you decide which card suits your wallet better.

TravelCard A

Amex Platinum Reserve Credit Card

Domestic Premium Travel

Annual Fee
₹10,000
Reward Rate
1 MR per ₹50 (~0.8-1% via airline/hotel transfers) + Hotel privileges
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TravelCard B

HDFC Diners Club Black

Frequent Flyers

Annual Fee
₹10,000
Reward Rate
10X on SmartBuy (capped at 75K points/month)
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Feature comparison

FeatureAmex PlatinumHDFC Diners
Annual Fee₹10,000 + GST (First-year & subsequent)₹10,000 (Waived on ₹8L spend)
Reward Rate1 MR per ₹50 (~0.8-1% via airline/hotel transfers) + Hotel privileges10X on SmartBuy (capped at 75K points/month)
Best ForDomestic Premium TravelFrequent Flyers
First-Card Friendly
Lounge Access
Zero Forex Markup

Spending category coverage

Which categories does each card reward?

CategoryAmex PlatinumHDFC Diners
Domestic travel
International travel
Airport lounge access

Quick verdict

Choose Amex Platinum Reserve Credit Card if:

    Choose HDFC Diners Club Black if:

    • You spend heavily on international travel

    Full pros & cons

    Amex Platinum Reserve Credit Card

    What's good
    • Privileged rates and benefits at Taj, SeleQtions, and Vivanta Hotels
    • Complimentary domestic airport lounge access across India
    • Preferred Hotels & Resorts global access
    • Membership Rewards points earning with airline partner transfer options
    Watch out for
    • ₹10,000 + GST annual fee with no spend-based waiver
    • Amex acceptance still limited at smaller offline merchants in India
    • Domestic-focused — fewer international travel benefits than Platinum Charge
    Apply Now

    HDFC Diners Club Black

    What's good
    • Unlimited global lounge access via Diners Club network
    • Outstanding milestone benefits on annual spends
    • 10X reward points on select SmartBuy categories (hotels, partner brands); 5X on flights
    Watch out for
    • Diners Club network acceptance is lower than Visa/Mastercard offline in India
    • High ₹8L annual spend requirement for fee waiver (Standard variant no longer open for new applications)
    • SmartBuy 10X categories are fixed but can change at bank's discretion; monthly cap of 75,000 points
    Apply Now
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