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

HDFC Bank Diners Club Black Metal Edition Credit Card has ₹10,000 + GST. HSBC TravelOne Credit Card has ₹4,999 + 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; HSBC TravelOne Credit Card earns about 0.6%. 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%. HSBC TravelOne 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. HSBC TravelOne Credit Card: yes — see the lounge row above for limits.

Card Comparison

HDFC Diners Club Black Metal Edition vs HSBC TravelOne

HDFC Diners Club Black Metal Edition vs HSBC TravelOnecompared 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

HSBC TravelOne

HSBC Bank

Fee₹4,999+GST

Eff. rate0.6%

Cap₹50,000

Fee

₹4,999+GST

Eff. rate

0.6%

Cap

₹50,000

Quick take

How they compare

HDFC Diners Club Black Metal Edition and HSBC TravelOne suit different spending patterns, so the right pick depends on where and how much you spend. The key difference: 1.665% effective rate vs 0.6%. 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

HSBC TravelOne

Annual fee: ₹4,999 + GST
Everyday rate: 0.6%
Monthly cap: ₹50,000/mo

Notable strengths

Flat rewards on every spend

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

49 specs · 13 sections

HDFC Bank Diners Club Black Metal Edition

HSBC TravelOne

Feature

HDFC Bank Diners Club Black Metal Edition

HSBC TravelOne

Annual Fee

₹10,000

₹4,999

Joining Fee

₹10,000

₹4,999

Fee Waiver Spend

₹8,00,000

Forex Markup

3.5%

Reward Type

Reward Points

Base Rate

1.67%

0.6%

Effective Base Rate

1.67%

0.6%

Point Value

₹0.5

₹0.3

Redemption Quality

HIGH

MEDIUM

Best Redemption

₹1

₹0.3

Worst Redemption

₹0.3

₹0.1

Cleartrip

—

15%

Easemytrip

—

15%

Paytm

—

15%

Yatra

—

15%

Zomato

—

10%

Grocery / Supermarkets

1.67%

0.6%

Fuel / Petrol / Diesel / CNG

0% (Excluded)

Restaurants / Dine-in

1.67%

0.6%

Flights, Hotels, OTAs, Tour Operators

1.67%

1.2%

Other Retail / Catch-all

1.67%

0.6%

Monthly Cap

₹75,000

₹50,000

Est. Annual Cap

₹9,00,000

₹6,00,000

Total Excluded

6 categories

8 categories

Gold / Jewellery

Earns rewards

Excluded

Electricity, Water, Gas, Internet, DTH, Mobile Recharge

Earns rewards

Excluded

Insurance Premiums

Earns rewards

Excluded

EMI Transactions

Excluded

Earns rewards

Domestic Visits/Year

-1

International Visits/Year

-1

Priority Pass

Est. Annual Value

₹10,230

₹5,940

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).

Rs 1,000 Cashback, PostCard Voucher worth Rs 3,000, and 3-month EazyDiner membership on spending Rs 10,000 within 30 days of card issuance

Estimated Value

₹7,600

₹3,400

Fuel Surcharge Waiver

Yes

Best Suited For

Travel, Dining, Shopping

Travel, Shopping

Min Income

₹2,50,000/month

₹50,000/month

Income Proof

Required

Secured FD

Accepting Applications

Yes

Network

Diners Club

Mastercard

Card Tier

Super Premium

Platinum

Still weighing your options?

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Frequently asked questions

What are the annual fees for HDFC Bank Diners Club Black Metal Edition Credit Card and HSBC TravelOne Credit Card?: HDFC Bank Diners Club Black Metal Edition Credit Card has ₹10,000 + GST. HSBC TravelOne Credit Card has ₹4,999 + 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; HSBC TravelOne Credit Card earns about 0.6%. 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%. HSBC TravelOne 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. HSBC TravelOne 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 · HSBC Bank - HSBC TravelOne