What are the annual fees for HDFC Bank Diners Club Black Metal Edition Credit Card and ICICI Bank Sapphiro Credit Card?

HDFC Bank Diners Club Black Metal Edition Credit Card has ₹10,000 + GST. ICICI Bank Sapphiro Credit Card has ₹3,500 + GST. Fees are shown before 18% GST, which is added on the bill.

What base reward rate does each card earn?

HDFC Bank Diners Club Black Metal Edition Credit Card earns about 1.665% on general spends; ICICI Bank Sapphiro Credit Card earns about 0.5%. Category and partner rates may differ — see the table above.

What is the forex markup on each card?

HDFC Bank Diners Club Black Metal Edition Credit Card: 2%. ICICI Bank Sapphiro Credit Card: 3.5% (plus 18% GST on the markup).

Do both cards include airport lounge access?

HDFC Bank Diners Club Black Metal Edition Credit Card: yes — see the lounge row above for limits. ICICI Bank Sapphiro Credit Card: yes — see the lounge row above for limits.

Card Comparison

HDFC Diners Club Black Metal Edition vs ICICI Sapphiro

HDFC Diners Club Black Metal Edition vs ICICI Sapphirocompared side by side on fees, reward rates, caps, exclusions, and eligibility — weigh each against how you actually spend.

HDFC Bank Diners Club Black Metal Edition

HDFC Bank

Fee₹10,000+GST

Eff. rate1.67%

Cap₹75,000

Fee

₹10,000+GST

Eff. rate

1.67%

Cap

₹75,000

ICICI Bank Sapphiro

ICICI Bank

Fee₹3,500+GST

Eff. rate0.5%

CapNone

Fee

₹3,500+GST

Eff. rate

0.5%

Cap

None

Quick take

How they compare

HDFC Diners Club Black Metal Edition and ICICI Sapphiro suit different spending patterns, so the right pick depends on where and how much you spend. The key difference: 1.665% effective rate vs 0.5%. Use the table below to weigh fees, reward rates, caps, and exclusions against your own usage.

At a glance

HDFC Diners Club Black Metal Edition

Annual fee: ₹10,000 + GST
Everyday rate: 1.7%
Monthly cap: ₹75,000/mo

Notable strengths

Flat rewards on every spend

ICICI Sapphiro

Annual fee: ₹3,500 + GST
Everyday rate: 0.5%
Monthly cap: No cap

Notable strengths

No monthly reward cap

Each card's own strengths — not a ranking. Weigh them against where you actually spend.

43 specs · 13 sections

HDFC Bank Diners Club Black Metal Edition

ICICI Bank Sapphiro

Feature

HDFC Bank Diners Club Black Metal Edition

ICICI Bank Sapphiro

Annual Fee

₹10,000

₹3,500

Joining Fee

₹10,000

₹6,500

Fee Waiver Spend

₹8,00,000

₹6,00,000

Forex Markup

3.5%

Reward Type

Reward Points

Base Rate

1.67%

0.5%

Effective Base Rate

1.67%

0.5%

Point Value

₹0.5

₹0.25

Redemption Quality

HIGH

MEDIUM

Best Redemption

₹1

₹0.35

Worst Redemption

₹0.3

₹0.15

Grocery / Supermarkets

1.67%

0.5%

Fuel / Petrol / Diesel / CNG

0% (Excluded)

Restaurants / Dine-in

1.67%

0.5%

Flights, Hotels, OTAs, Tour Operators

1.67%

0.5%

Other Retail / Catch-all

1.67%

0.5%

Monthly Cap

₹75,000

No cap

Est. Annual Cap

₹9,00,000

No cap

Total Excluded

6 categories

Domestic Visits/Year

-1

International Visits/Year

-1

Priority Pass

Yes

Est. Annual Value

₹10,230

₹8,690

Forex Markup

3.5%

International Rate

Yes

Description

Complimentary annual memberships of Club Marriott, Amazon Prime and Swiggy One on achieving net retail spends of ₹1,50,000 within 90 days of card issuance (per MITC, all three are annual memberships).

Vouchers worth over ₹13,000: Tata CLiQ ₹3,000, EaseMyTrip ₹4,000 (4×₹1,000), Da Milano ₹5,000, Croma ₹1,500 (3×₹500), EazyDiner Prime 3-month membership

Estimated Value

₹7,600

₹10,800

Fuel Surcharge Waiver

Yes

Best Suited For

Travel, Dining, Shopping

Travel, Shopping

Min Income

₹2,50,000/month

₹75,000/month

Income Proof

Required

Secured FD

Accepting Applications

Yes

Network

Diners Club

Mastercard, American Express

Card Tier

Super Premium

Premium

Gaming platforms (Dream11, MPL, Rummy Culture, Junglee Games)

None

2% surcharge

Third-party wallet loads > ₹5,000

None

1% surcharge

Transport > ₹50,000

None

1% surcharge

Still weighing your options?

Other popular matchups to line up against your shortlist.

Frequently asked questions

What are the annual fees for HDFC Bank Diners Club Black Metal Edition Credit Card and ICICI Bank Sapphiro Credit Card?: HDFC Bank Diners Club Black Metal Edition Credit Card has ₹10,000 + GST. ICICI Bank Sapphiro Credit Card has ₹3,500 + GST. Fees are shown before 18% GST, which is added on the bill.
What base reward rate does each card earn?: HDFC Bank Diners Club Black Metal Edition Credit Card earns about 1.665% on general spends; ICICI Bank Sapphiro Credit Card earns about 0.5%. Category and partner rates may differ — see the table above.
What is the forex markup on each card?: HDFC Bank Diners Club Black Metal Edition Credit Card: 2%. ICICI Bank Sapphiro Credit Card: 3.5% (plus 18% GST on the markup).
Do both cards include airport lounge access?: HDFC Bank Diners Club Black Metal Edition Credit Card: yes — see the lounge row above for limits. ICICI Bank Sapphiro Credit Card: yes — see the lounge row above for limits.

Reviewed by WhichWise Editorial Team. Each card's data is verified against the issuer's official terms.

Sources: HDFC Bank - HDFC Diners Club Black Metal Edition · ICICI Bank - ICICI Sapphiro