vs
In short: BOB Easy has the lower annual fee (₹500 vs ₹10,000); HDFC Diners Club Black has the lower forex markup (2% vs 3.5%).
| Key facts | BOB Easy | HDFC Diners Club Black |
|---|---|---|
| Annual fee | ₹500 | ₹10,000 |
| Joining fee | ₹500 | ₹10,000 |
| Annual fee waived | On ₹35,000 annual spend | On ₹5 lakh annual spend |
| Top reward rate | 5X Reward Points on Movies | 2X Reward Points per ₹150 on Dining |
| Base rewards | 1 Reward Point per ₹100 | 5 reward points For Every ₹150 |
| Lounge access | Not listed | Unlimited domestic & international lounge access |
| Forex markup | 3.5% | 2% |
From issuer benefit data, checked 27 Oct 2026. Milestones, welcome benefits and caps are in the full table below.
On ₹20,000 a month with ₹5,000 at each card's top rate, BOB Easy returns about ₹460 more a year after annual fees (₹960 vs ₹10,000 in rewards).
| Spend profile | BOB Easy | HDFC Diners Club Black |
|---|---|---|
| Reward value: top rate / base rate | 1% / 0.2% | 6.67% / 3.33% |
| ₹20,000 a month, all general spends | ₹480 | ₹8,000 |
| ₹20,000 a month, ₹5,000 of it at each card's top rate | ₹960 | ₹10,000 |
| Annual fee | ₹500 | ₹10,000 |
Estimates from the earn rates above, with stated cashback caps applied, before exclusions. Reward points are valued at the card's best listed redemption (often travel or vouchers via the bank's portal); cash-back on the statement is usually worth less. Annual fees may be waived on spend (see the table below).
The Bank Of Baroda Easy Visa Credit Card and the HDFC Bank Diners Club Black Credit Card cater to different user needs with distinct fee structures and reward programs. The Baroda Easy Visa card offers modest fees and accelerated rewards on movies and departmental stores, while the HDFC Diners Club Black card targets premium users with high fees but extensive lounge access and multiple complimentary memberships. Both cards provide a 1% fuel surcharge waiver but differ significantly in forex charges and milestone benefits.
Comparison notes and quick badges use AI, grounded in the benefit data shown in the table. Confirm details on each issuer’s site.
Last updated:
| Feature | Bank Of Baroda Easy Visa Credit Card | HDFC Bank Diners Club Black Credit Card |
|---|---|---|
| Bank | Bank Of Baroda | HDFC Bank |
| Network | Visa | Diners |
| Joining fee | Joining Fee of Rs.500 | Joining Fee of Rs.10000 |
| Annual / renewal fee | Annual Fee of Rs.500 | Renewal Fee of Rs.10000 |
| Annual fee waiver | Spend Rs.35000 For Annual Fee Waiver | Spend Rs.500000 For Renewal Fee Waiver |
| Top reward rate | 5X Reward Points on Movies | Earn 2X Reward Points per Rs.150 on Dining |
| Base rate (other spends) | Earn 1 Reward Point per Rs.100 | Earn 5 Rewards Points For Every Rs.150 |
| Lounge — domestic | — | Enjoy Unlimited Complimentary Lounge Visits in India |
| Lounge — international | — | Enjoy Unlimited Complimentary International Lounge Visits |
| Fuel surcharge waiver | 1% Fuel Surcharge Waiver | 1% Fuel Surcharge Waiver |
| Welcome benefit | Earn 500 Reward points As Welcome Benefit on the Spends of Rs.5000 | Complimentary Amazon Prime Annual Membership |
| Milestone benefit | — | Complimentary Amazon Prime Annual Membership; Complimentary Club Marriott Annual Membership |
| Foreign currency markup | 3.5% - Foreign Currency Transactions | 2% - Foreign Currency Transactions |
For rewards, the HDFC Bank Diners Club Black Credit Card clearly leads with a top reward rate of 10X points on Smartbuy and a base rate of 5 points per Rs.150 spent, translating to about Rs.10,000 in yearly rewards at Rs.20,000 monthly spend. In contrast, the Bank Of Baroda Easy Visa Credit Card offers 5X points on movies and departmental stores with a base rate of 1 point per Rs.100, amounting to about Rs.960 annually. The Diners Club Black's rewards program is more versatile and lucrative, especially for premium spenders.
Regarding travel benefits, the HDFC Diners Club Black card provides unlimited complimentary lounge access both domestically and internationally, along with several premium memberships including Amazon Prime, Club Marriott, and MakeMyTrip Black Gold tier. The Bank Of Baroda Easy Visa card does not list any lounge access or travel memberships in its benefits. Additionally, the Diners Club Black card has a lower forex markup of 2% compared to 3.5% for the Baroda Easy Visa card, making it more cost-effective for foreign currency transactions.
The Bank Of Baroda Easy Visa Credit Card is more accessible with a joining and renewal fee of Rs.500 each, waivable upon spending Rs.35,000 annually. In contrast, the HDFC Diners Club Black carries a steep Rs.10,000 joining and renewal fee, waived only if you spend Rs.500,000 annually. This makes the Baroda card better suited for budget-conscious users or beginners, while the Diners Club Black is designed for high spenders who can maximize its premium benefits.
The HDFC Diners Club Black card offers multiple milestone benefits such as complimentary annual memberships to Amazon Prime, Club Marriott, MakeMyTrip Black Gold, Swiggy One, and Times Prime, which add significant value for frequent users. The Bank Of Baroda Easy Visa card does not list any milestone benefits in our data.
The Diners Club Black card has a lower forex markup fee of 2%, making it more economical for international transactions compared to the Baroda Easy Visa card's 3.5% forex markup. This difference can lead to considerable savings for frequent travelers.
Consider Bank Of Baroda Easy Visa Credit Card if you prefer a low-cost credit card with simple rewards focused on movies and departmental stores, along with a modest fuel surcharge waiver. It is suitable for users who want to avoid high fees and are comfortable with basic reward earnings without travel perks.
Consider HDFC Bank Diners Club Black Credit Card if you are a premium cardholder looking for extensive travel benefits, including unlimited domestic and international lounge access, multiple complimentary memberships, and a high-value rewards program. This card suits high spenders who can justify the Rs.10,000 annual fees through its rich benefits and lower forex charges.
The Bank Of Baroda Easy Visa Credit Card charges Rs.500 for joining and renewal, waived if you spend Rs.35,000 annually. The HDFC Diners Club Black Credit Card has Rs.10,000 fees for joining and renewal, waived only if you spend Rs.500,000 annually.
The HDFC Diners Club Black card offers a higher base reward rate of 5 points per Rs.150 spent and accelerated 10X points on Smartbuy, while the Baroda Easy Visa card offers 1 point per Rs.100 with 5X points on movies and departmental stores.
The HDFC Diners Club Black card provides unlimited complimentary lounge access both in India and internationally. The Bank Of Baroda Easy Visa Credit Card does not list any lounge access benefits in our data.
The Bank Of Baroda Easy Visa Credit Card charges a 3.5% forex markup fee, whereas the HDFC Diners Club Black Credit Card charges a lower 2% forex markup fee.
The Bank Of Baroda Easy Visa Credit Card offers 500 reward points on spending Rs.5,000 as a welcome benefit. The HDFC Diners Club Black card provides a complimentary Amazon Prime annual membership as a welcome benefit.