HDFC Diners Club Miles Credit Card vs American Express Gold Card: mid-range cards compared
HDFC Diners Club Miles Credit Card costs ₹1,000 a year to keep; American Express Gold Card costs ₹4,500. On most spends, HDFC Diners Club Miles Credit Card returns about 2.67% and American Express Gold Card about 0.80%. Lounge visits: HDFC Diners Club Miles Credit Card gives 6 a year in India and 6 a year abroad; American Express Gold Card gives None and None. The income needed to apply is ₹3,60,000 a year for HDFC Diners Club Miles Credit Card and ₹6,00,000 for American Express Gold Card.
| HDFC Diners Club Miles Credit Card | American Express Gold Card | |
|---|---|---|
| Issuer | HDFC Bank | American Express |
| Network | Diners Club | American Express |
| Joining fee | ₹1,000 | ₹1,000 |
| Annual fee | ₹1,000 | ₹4,500 |
| Base return on spends | 2.67% | 0.80% |
| Domestic lounges | 6 a year | None |
| International lounges | 6 a year | None |
| Minimum income | ₹3,60,000 a year | ₹6,00,000 a year |
| Best for | travel, flights, hotels | online_shopping, dining |
How to read this
Fees, lounge access and eligibility come from each issuer's own documents. The base return is what most everyday spends earn after converting points to rupees, before category bonuses and caps. Qrates takes no commission from any issuer.
Full pages: HDFC Diners Club Miles Credit Card · American Express Gold Card · Find a card for your spending