HDFC Diners Club Black vs IndusInd Tiger vs HSBC Smart Value
Side-by-side credit card comparison to help you choose the best one.
Our Pick
HDFC Diners Club Black
4.9
Why this card wins: Travel & Dining — 5X reward points on every ₹150 spent
| Feature | HDFC Diners Club Black | IndusInd Tiger | HSBC Smart Value |
|---|---|---|---|
| Bank | HDFC Bank | IndusInd Bank | HSBC India |
| Card Type | Super Premium | Cashback | Cashback |
| Annual Fee | ₹10,000 + GST | Lifetime Free | Lifetime Free |
| Joining Fee | ₹10,000 + GST | Nil | Nil |
| Rewards | 5X reward points on every ₹150 spent | 1.5% cashback on all spends | 5% cashback on Swiggy, BigBasket, Amazon |
| Best For | Travel & Dining | Everyday Cashback | Online Shopping |
| Interest Rate | 3.49% per month (41.88% p.a.) | 3.50% per month (42.00% p.a.) | 3.49% per month (41.88% p.a.) |
| Credit Limit | ₹5,00,000 - ₹20,00,000 | ₹25,000 - ₹2,00,000 | ₹25,000 - ₹3,00,000 |
| Welcome Benefit | 5000 reward points + ₹500 Taj voucher | None | None |
| Min Income | ₹1,50,000/month | ₹15,000/month | ₹20,000/month |
| Lounge Access | Unlimited domestic + international | None | None |
| Fuel Surcharge Waiver | 1% waiver on ₹400-₹5,000 txns | 1% waiver on ₹400-₹5,000 txns | 1% waiver on ₹400-₹5,000 txns |
| Foreign Txn Fee | 2.0% + GST | 3.5% + GST | 3.5% + GST |
| Add-On Card Fee | Free | Free | Free |
| Rating | 4.9 | 4.2 | 4.2 |
| Contactless | |||
| EMI Conversion |
Key Features
Our Pick
HDFC Diners Club Black
Travel & Dining
Diners Club • Super Premium
- Unlimited domestic & international lounge access
- 10X rewards on SmartBuy portal
- Complimentary annual memberships worth ₹10,000+
- Golf privileges at 200+ courses worldwide
IndusInd Tiger
Everyday Cashback
Visa • Cashback
- No annual fee ever
- 1.5% unlimited cashback on all transactions
- Fuel surcharge waiver on all fuel stations
- Contactless payment enabled
HSBC Smart Value
Online Shopping
Mastercard • Cashback
- No annual fee ever
- 5% cashback on top online platforms
- 1% cashback on all other spends
- Smart EMI on purchases above ₹2,500
Verdict
Based on rating and overall value, HDFC Diners Club Black ranks highest among your selected cards. It excels at Travel & Dining and offers 5X reward points on every ₹150 spent.