HDFC Diners Club Black Metal Edition vs HSBC Live+ Credit Card
A side-by-side comparison of fees, rewards, and benefits to help you pick the right card for your spending.
| HDFC Diners Club Black Metal Edition | HSBC Live+ Credit Card | |
|---|---|---|
| Issuer | HDFC | HSBC |
| Annual fee | ₹10,000/yr | ₹999/yr ✓ |
| Joining fee | ₹10,000 | ₹999 |
| Best reward | 5% on Dining | 10% on Dining |
| Forex markup | 2% ✓ | 3.5% |
| Lounge access | Yes | Yes |
| Welcome benefit | ~₹10,000 | ~₹500 |
| Min income | ₹1,75,000/mo | ₹25,000/mo |
| Expert rating | 4.8 / 5 ✓ | 4.4 / 5 |
Which should you pick?
Choose the HDFC Diners Club Black Metal Edition if you want strong rewards on dining. Consider the HSBC Live+ Credit Card if you spend more on dining and prefer a lower fee. Your actual best card depends on how you spend — run your numbers below.
HDFC Diners Club Black Metal Edition vs HSBC Live+ Credit Card — FAQs
Which has a lower annual fee, HDFC Diners Club Black Metal Edition or HSBC Live+ Credit Card?
The HSBC Live+ Credit Card has the lower annual fee at ₹999/yr, versus ₹10,000/yr for the HDFC Diners Club Black Metal Edition.
Do HDFC Diners Club Black Metal Edition and HSBC Live+ Credit Card offer airport lounge access?
Both cards include complimentary airport lounge access — check each card’s visit limits and whether international lounges are covered.
Which card has lower forex markup, HDFC Diners Club Black Metal Edition or HSBC Live+ Credit Card?
The HDFC Diners Club Black Metal Edition has the lower forex markup at 2%, versus 3.5% on the HSBC Live+ Credit Card.
Which is better, HDFC Diners Club Black Metal Edition or HSBC Live+ Credit Card?
Neither card is universally better — it depends on how you spend. The HDFC Diners Club Black Metal Edition rewards dining at 5%, while the HSBC Live+ Credit Card rewards dining at 10%. Compare their fees and benefits above, or run your actual spending through our recommender for a personalised pick.