vs
In short: HSBC TravelOne has the lower annual fee (₹4,999 vs ₹10,000); HDFC Diners Club Black includes unlimited domestic & international lounge access, HSBC TravelOne 6 airport lounge visits a year; HDFC Diners Club Black has the lower forex markup (2% vs 3.5%).
| Key facts | HDFC Diners Club Black | HSBC TravelOne |
|---|---|---|
| Annual fee | ₹10,000 | ₹4,999 |
| Joining fee | ₹10,000 | ₹4,999 |
| Annual fee waived | On ₹5 lakh annual spend | On ₹8 lakh annual spend |
| Top reward rate | 2X Reward Points per ₹150 on Dining | 2X Reward Points on Car Rentals |
| Base rewards | 5 reward points For Every ₹150 | 2 Reward Points on ₹100 Spent |
| Lounge access | Unlimited domestic & international lounge access | 6 airport lounge visits a year |
| Forex markup | 2% | 3.5% |
From issuer benefit data, checked 7 Nov 2026. Milestones, welcome benefits and caps are in the full table below.
The HDFC Bank Diners Club Black Credit Card and the HSBC Travelone Credit Card cater to premium users with distinct travel and reward benefits. While the Diners Club Black offers unlimited lounge access and multiple complimentary memberships, the HSBC Travelone focuses on travel-related rewards and golf privileges. Both cards have high renewal fees with waiver options tied to substantial annual spends.
Comparison notes and quick badges use AI, grounded in the benefit data shown in the table. Confirm details on each issuer’s site.
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| Feature | HDFC Bank Diners Club Black Credit Card | Hsbc Travelone Credit Card |
|---|---|---|
| Bank | HDFC Bank | HSBC |
| Network | Diners | MasterCard |
| Joining fee | Joining Fee of Rs.10000 | Joining Fee - Rs.4999 |
| Annual / renewal fee | Renewal Fee of Rs.10000 | Annual Fees - Rs.4999 |
| Annual fee waiver | Spend Rs.500000 For Renewal Fee Waiver | Spend Rs.8 Lakhs For Renewal Fee Waiver |
| Top reward rate | Earn 2X Reward Points per Rs.150 on Dining | Earn 2X Reward Points on Car Rentals |
| Base rate (other spends) | Earn 5 Rewards Points For Every Rs.150 | Earn 2 Reward Points on Rs.100 Spent |
| Lounge — domestic | Enjoy Unlimited Complimentary Lounge Visits in India | 6 Complimentary Domestic Airport Lounge Access Per Year |
| Lounge — international | Enjoy Unlimited Complimentary International Lounge Visits | 4 Complimentary International Lounge Access Per Year |
| Fuel surcharge waiver | 1% Fuel Surcharge Waiver | — |
| Welcome benefit | Complimentary Amazon Prime Annual Membership | Rs.1000 Cashback As Welcome Rewards |
| Milestone benefit | Complimentary Amazon Prime Annual Membership; Complimentary Club Marriott Annual Membership | Earn 10000 Reward Points on Spend of Rs.1200000 |
| Foreign currency markup | 2% - Foreign Currency Transactions | 3.5% - Foreign Currency Transactions |
For rewards, the HDFC Bank Diners Club Black Credit Card leads with a base rate of 5 reward points per Rs.150 spent and an accelerated 2X points on dining, plus 10X points on Smartbuy. It also offers multiple complimentary memberships adding value beyond points. The HSBC Travelone Credit Card has a lower base rate of 2 points per Rs.100 spent, with 2X points on car rentals and 4 points on flights and foreign currency spends. Overall, the Diners Club Black provides stronger earning potential for diverse spending categories.
Travel benefits are more extensive with the HDFC Bank Diners Club Black, which includes unlimited complimentary domestic and international lounge access. In contrast, the HSBC Travelone provides limited lounge visits—6 domestic and 4 international per year. Additionally, the Diners Club Black offers multiple premium memberships such as MakeMyTrip Black Gold and Club Marriott, enhancing travel experience. HSBC Travelone adds value with golf coaching and rounds, appealing to golf enthusiasts.
The HSBC Travelone Credit Card has a lower joining and renewal fee of Rs.4,999 compared to Rs.10,000 for the Diners Club Black. Both cards waive the renewal fee on spending Rs.8-10 lakhs annually, with the Diners Club Black requiring Rs.5 lakhs and HSBC Rs.8 lakhs. Forex markup is lower on the Diners Club Black at 2% versus 3.5% on HSBC, which may be important for frequent international spenders. The Diners Club Black also offers a 1% fuel surcharge waiver, not listed for HSBC.
The HDFC Bank Diners Club Black offers several complimentary memberships such as Amazon Prime, Club Marriott, MakeMyTrip Black Gold, Swiggy One, and Times Prime, which add significant lifestyle value. HSBC Travelone provides a 3-month EazyDiner Prime membership and a Rs.3,000 postcard voucher as welcome benefits, catering to dining and travel interests.
The Diners Club Black has a lower forex markup fee of 2% compared to HSBC Travelone's 3.5%, making it more cost-effective for international transactions. HSBC Travelone offers 4 reward points per Rs.100 spent on foreign currency transactions, which can partially offset the higher forex fee for frequent travelers.
HSBC Travelone stands out with golf-related benefits including 12 complimentary golf coaching lessons and 4 rounds of complimentary green fees annually, appealing to golf enthusiasts. These benefits are not listed for the Diners Club Black.
Consider HDFC Bank Diners Club Black Credit Card if you prioritize premium travel perks like unlimited lounge access, multiple complimentary memberships, and higher reward point rates. It's suited for high spenders who can meet the Rs.5 lakh annual spend for fee waiver and want a versatile card with strong dining and lifestyle rewards.
Consider HSBC Travelone Credit Card if you prefer a lower fee card with focused travel rewards including accelerated points on flights and car rentals, plus golf-related benefits. It's a practical choice for those who value a Rs.1,000 welcome cashback, limited lounge access, and are comfortable with a higher forex markup and Rs.8 lakh spend for fee waiver.
HDFC Bank Diners Club Black has a Rs.10,000 joining and renewal fee, waived on spending Rs.5,00,000 annually. HSBC Travelone charges Rs.4,999 for joining and renewal, waived on Rs.8,00,000 annual spend.
The Diners Club Black provides unlimited complimentary domestic and international lounge visits, whereas HSBC Travelone offers 6 domestic and 4 international complimentary lounge accesses per year.
Diners Club Black offers 5 points per Rs.150 base rate and 2X points on dining, plus 10X on Smartbuy. HSBC Travelone gives 2 points per Rs.100 base rate, 2X on car rentals, and 4 points on flights and foreign currency spends.
Diners Club Black offers a complimentary Amazon Prime annual membership as a welcome benefit. HSBC Travelone provides Rs.1,000 cashback and a Rs.3,000 postcard voucher on meeting minimum spends.
HDFC Bank Diners Club Black charges a 2% forex markup fee, while HSBC Travelone charges 3.5% on foreign currency transactions.
Diners Club Black offers a 1% fuel surcharge waiver. Fuel surcharge waiver information is not listed in HSBC Travelone's data.