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Credit CardsComparisons

AU Bank iXIGO Credit Card vs HDFC Diners Club Black

A head-to-head comparison of AU Bank iXIGO 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

AU Bank iXIGO Credit Card

ixigo Loyalists & Zero-Forex Travel

Annual Fee
Lifetime Free
Reward Rate
5 RP per ₹200 (~0.6-1.25% depending on redemption route)
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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

FeatureAU BankHDFC Diners
Annual FeeLifetime Free (official fee ₹999 + GST waived via ixigo app channel)₹10,000 (Waived on ₹8L spend)
Reward Rate5 RP per ₹200 (~0.6-1.25% depending on redemption route)10X on SmartBuy (capped at 75K points/month)
Best Forixigo Loyalists & Zero-Forex TravelFrequent Flyers
First-Card Friendly
Lounge Access
Zero Forex Markup

Spending category coverage

Which categories does each card reward?

CategoryAU BankHDFC Diners
Domestic travel
International travel
Airport lounge access
Zero forex markup

Quick verdict

Choose AU Bank iXIGO Credit Card if:

  • Lower annual fee (₹Nil vs ₹10,000)
  • You spend heavily on zero forex markup

Choose HDFC Diners Club Black if:

    Full pros & cons

    AU Bank iXIGO Credit Card

    What's good
    • 0% forex markup on all international transactions — saves ~4.13% vs standard cards for overseas spend
    • 8 complimentary domestic airport lounge visits/year (2/quarter) on ₹50,000+ quarterly spend
    • 8 complimentary railway lounge visits/year (no spend trigger)
    • Monthly ixigo travel discounts: 10% off flights (capped ₹1,000), 10% off buses (₹300), 5% off hotels (₹1,000)
    • Welcome benefit: ~₹1,500 in ixigo money vouchers on activation + first spend
    Watch out for
    • April 2026 devaluation: all domestic spends now earn a flat 5 RP per ₹200 — eliminated higher rates for ixigo bookings specifically
    • Zero rewards on international transactions (post-April 2026) — 0% forex saves money but earns nothing
    • Airport lounge access is spend-gated — requires ₹50,000 in the previous calendar quarter
    • RP value drops sharply outside ixigo: ₹0.25/point as statement credit vs ₹0.50 only as ixigo money
    • 10,000 RP monthly cap limits high-volume earners
    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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