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Credit CardsComparisons

HDFC Diners Club Black vs HSBC TravelOne Credit Card

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

TravelCard A

HDFC Diners Club Black

Frequent Flyers

Annual Fee
₹10,000
Reward Rate
10X on SmartBuy (capped at 75K points/month)
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TravelCard B
Annual Fee
₹4,999
Reward Rate
4X on Travel & Forex
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Feature comparison

FeatureHDFC DinersHSBC TravelOne
Annual Fee₹10,000 (Waived on ₹8L spend)₹4,999 + GST (Waived on ₹8L spend)
Reward Rate10X on SmartBuy (capped at 75K points/month)4X on Travel & Forex
Best ForFrequent FlyersFrequent Flyers
First-Card Friendly
Lounge Access
Zero Forex Markup

Spending category coverage

Which categories does each card reward?

CategoryHDFC DinersHSBC TravelOne
Domestic travel
International travel
Airport lounge access

Quick verdict

Choose HDFC Diners Club Black if:

    Choose HSBC TravelOne Credit Card if:

    • Lower annual fee (₹4,999 vs ₹10,000)

    Full pros & cons

    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

    HSBC TravelOne Credit Card

    What's good
    • 1:1 transfers to 15 airline partners (Air India, Singapore Airlines, BA Avios, Qatar, Etihad, Japan Airlines, and more) via the HSBC app
    • 4 RP per ₹100 on flights, travel portals, and forex (2X on all other spends)
    • 4 complimentary chauffeur-driven airport transfers per year + 6 domestic and 4 international lounge visits
    Watch out for
    • High forex markup of 3.5% + GST (~4.13%) despite being a travel card
    • Accelerated travel rewards capped at 50,000 points per month
    • Extensive exclusion list — no points on insurance, rent, government, EMI, or wallet loads
    Apply Now
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