BOBCARD Etihad Guest Premium Credit Card vs HDFC Bank Diners Club Black Metal Edition
A field-by-field comparison of fees, reward rates, accelerated categories, caps, exclusions, lounge access and forex markup, using each issuer's own published terms. Affiliate payout never decides the verdict.
Short answer
BOBCARD Etihad Guest Premium Credit Card and HDFC Bank Diners Club Black Metal Edition differ first on recurring cost: BOBCARD Etihad Guest Premium Credit Card has an annual fee of ₹5,000 + GST against ₹10,000 + GST for HDFC Bank Diners Club Black Metal Edition, so BOBCARD Etihad Guest Premium Credit Card is cheaper to hold. On rewards, BOBCARD Etihad Guest Premium Credit Card earns 2 Etihad Guest Miles per ₹100 on eligible domestic and cross-border spends while HDFC Bank Diners Club Black Metal Edition earns 5 Reward Points per ₹150 on eligible retail spend; complete transaction multiples and issuer posting rules apply. BOBCARD Etihad Guest Premium Credit Card has the lower forex markup at 0%. Neither card wins outright: the better choice depends on which accelerated categories match your spend, the monthly caps, the exclusions and issuer approval fit.
Source: CardMasters issuer-evidence catalogue, release 2026-08-25. Confirm final terms with the issuer.
| Feature | BOBCARD Etihad Guest Premium Credit Card | HDFC Bank Diners Club Black Metal Edition |
|---|---|---|
| Issuer | BOBCARD | HDFC Bank |
| Joining fee | ₹5,000 + GST | ₹10,000 + GST |
| Annual fee | ₹5,000 + GST | ₹10,000 + GST |
| Fee waiver | ₹5,00,000 annual eligible spend | ₹8,00,000 annual eligible spend |
| Base rewards | 2 Etihad Guest Miles per ₹100 on eligible domestic and cross-border spends | 5 Reward Points per ₹150 on eligible retail spend; complete transaction multiples and issuer posting rules apply |
| Accelerated routes | 6 Etihad Guest Miles per ₹100 | Up to 10X Reward Points through eligible SmartBuy routes · 2X Reward Points at participating weekend-dining restaurants · Eligible utility, telecom and grocery spend |
| Reward exclusions | fuel | fuel, rent, wallet load, easy emi, smart emi, education, government |
| Forex markup | 0% | 2% |
| Fuel surcharge waiver | 1% fuel surcharge waiver up to ₹250 per statement cycle on ₹500–₹5,000 transactions | Not recorded — confirm with issuer |
| Domestic lounge | 12/year (3/quarter) | unlimited at participating Diners Club lounges for primary and add-on cardholders |
| International lounge | 8/year (2/quarter) | unlimited at participating Diners Club lounges worldwide for primary and add-on cardholders |
| Card networks | Visa | Diners Club |
| Best suited to | travel, international travel, air miles, forex free | travel, high spender, memberships |
| Issuer evidence | Checked 2026-08-08 | Checked 2026-07-28 |
Frequently asked questions
Is the BOBCARD Etihad Guest Premium Credit Card better than the HDFC Bank Diners Club Black Metal Edition?
Neither is universally better. BOBCARD Etihad Guest Premium Credit Card charges ₹5,000 + GST a year and earns 2 Etihad Guest Miles per ₹100 on eligible domestic and cross-border spends; HDFC Bank Diners Club Black Metal Edition charges ₹10,000 + GST and earns 5 Reward Points per ₹150 on eligible retail spend; complete transaction multiples and issuer posting rules apply. The better card is the one whose accelerated categories, caps and exclusions match your actual spending, after subtracting the annual fee and GST.
Which of the two has the lower annual fee, BOBCARD Etihad Guest Premium Credit Card or HDFC Bank Diners Club Black Metal Edition?
BOBCARD Etihad Guest Premium Credit Card has the lower recorded annual fee at ₹5,000 + GST. A spend-based waiver may reduce the effective cost of the other card, so check the waiver threshold before deciding.
Which is better for international spending, BOBCARD Etihad Guest Premium Credit Card or HDFC Bank Diners Club Black Metal Edition?
BOBCARD Etihad Guest Premium Credit Card publishes the lower forex markup at 0% versus 2%. Also confirm whether international transactions earn rewards, since some issuers exclude them.
Can I hold both cards together?
Yes, provided each is approved on its own merits and you can pay both statements in full. Holding both makes sense only when their accelerated categories do not overlap; otherwise the second card adds an annual fee without adding rewards.