Side-by-side · honest numbers
HDFC Diners Club Black Metal vs HSBC Cashback Credit Card vs Standard Chartered Smart Card
Honest side-by-side comparison of HDFC Diners Club Black Metal, HSBC Cashback Credit Card, Standard Chartered Smart Card — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.
At a glance (moderate spend)
Quick verdict: On moderate spend, HSBC Cashback Credit Card ranks first for estimated net annual value — ahead of Standard Chartered Smart Card by about ₹4,210/yr.
| Feature | HDFC Diners Club Black Metal HDFC Bank | HSBC Cashback Credit Card HSBC | Standard Chartered Smart Card Standard Chartered |
|---|---|---|---|
| Annual fee | ₹10,000 | ₹999 | ₹499 |
| Min income (monthly) | ₹1,50,000 | ₹40,000 | ₹30,000 |
| Top reward rate | 10X points | 10% | 2% cashback |
| Net annual value (moderate spend) | -₹5,617/yr | ₹7,941/yr | ₹3,731/yr |
| Secured / FD-backed | No | No | No |
| Signup bonus | — | — | — |
Frequently asked questions
- Which card has the lower annual fee?
- Standard Chartered Smart Card has the lowest annual fee at ₹499.
- Which card earns more on moderate spend?
- HSBC Cashback Credit Card leads with an estimated ₹7,941/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- Standard Chartered Smart Card lists a minimum monthly income of ₹30,000.
- Does this comparison pull my credit score?
- No. CardHungry estimates net value from public fee and reward rules only — no bureau check.
Customize your spend
Change spend profile or swap cards — results update live below.
Your adjusted comparison
| Feature | HDFC BankMetal HDFC Diners Club Black Metal •••• •••• •••• 4242 Quick facts HDFC Diners Club Black Metal Top reward10X points Annual fee₹10,000 Min income₹1,50,000/mo Tap to flip back HDFC Diners Club Black Metal HDFC Bank | HSBCGold HSBC Cashback Credit Card •••• •••• •••• 4242 Quick facts HSBC Cashback Credit Card Top reward10% Annual fee₹999 Min income₹40,000/mo Tap to flip back HSBC Cashback Credit Card HSBC | Standard CharteredGold Standard Chartered Smart Card •••• •••• •••• 4242 Quick facts Standard Chartered Smart Card Top reward2% cashback Annual fee₹499 Min income₹30,000/mo Tap to flip back Standard Chartered Smart Card Standard Chartered |
|---|---|---|---|
| Annual fee | ₹10,000 | ₹999 | ₹499 |
| Min income | ₹1,50,000 | ₹40,000 | ₹30,000 |
| Top reward rate | 10X points | 10% | 2% cashback |
| Net value (moderate) | -₹5,617/yr | ₹7,941/yr | ₹3,731/yr |
| Secured / no bureau | Standard | Standard | Standard |
| Signup bonus | — | — | — |
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