American Express Platinum Travel Credit Card vs HDFC Bank Diners Club Black Metal
American Express · HDFC Bank — side-by-side CardCheck comparison
·4.4/ 5
CardCheck Score BattleDeterministic 0–100 Benchmark Rating
100% Unsponsored MITC Data
American ExpressScoreVery Good
Annual Fee₹5,000
Max Reward8%
HDFC BankScoreExcellent
Annual Fee₹10,000
Max Reward10%
HDFC Bank Diners Club Black Metal leads overall with a CardCheck Score of 85/100 (+6 pts over American Express Platinum Travel Credit Card).
4-Pillar Head-to-Head Breakdown
American vs HDFCReward Power
35%American35/35
HDFC35/35
Tie (35/35)
Fee Value & ROI
25%American18/25
HDFC18/25
Tie (18/25)
Lounge & Travel
20%American18/20
HDFC20/20
HDFC Wins
Forex & Access
20%American8/20
HDFC12/20
HDFC Wins
01—CardCheck Score & Pillars
- CardCheck Score
- 79
- 85Best
- Rating Verdict
- Very Good
- Excellent
- Reward Power (35%)
- 35/35
- 35/35
- Fee Value & ROI (25%)
- 18/25
- 18/25
- Lounge & Travel (20%)
- 18/20
- 20/20
- Forex & Access (20%)
- 8/20
- 12/20
02—Basic Info
- Bank
- American Express
- HDFC Bank
- Network
- Amex
- Diners
- Card type
- Premium
- Premium
- Best for
- AmEx's milestone-based travel card — Taj Hotel vouchers + lounge access
- Travel and lifestyle benefits
03—Fees
- Joining fee
- ₹5,000Best
- ₹10,000
- Annual fee
- ₹5,000Best
- ₹10,000
- Fee waiver
- —
- ₹8,00,000
- Interest-free days
- 48
- 50Best
04—Interest
- APR (min)
- 42%
- 23.88%Best
- APR (max)
- 47.88%
- 23.88%Best
- Late payment fee
- ₹1,000
- —
- Cash advance fee
- 3.5%Best
- 23.88%
05—Rewards
- Reward type
- points
- points
- Min rate
- 1%
- 3.33%Best
- Max rate
- 8%
- 10%Best
- Points / ₹100
- 2
- 3.33Best
- Point value
- ₹0.5
- ₹1
06—Travel & Lounge
- Domestic lounge / qtr
- 2
- —
- Lounge spend criteria
- No spend condition
- No spend condition
- Priority Pass
- DreamFolks
07—Forex & Fuel
- Forex markup
- 3.5%
- 2%Best
- Fuel surcharge waiver
08—Features
- Metal card
- Contactless
- UPI linked
09—Eligibility
- Min income / month
- ₹50,000
- ₹2,50,000
- Invite only
Rows won
03of 11
08of 11
| Attribute ↓ | ||
|---|---|---|
01—CardCheck Score & Pillars Differences highlighted | ||
| CardCheck Score | 79 | 85Best |
| Rating Verdict | Very Good | Excellent |
| Reward Power (35%) | 35/35 | 35/35 |
| Fee Value & ROI (25%) | 18/25 | 18/25 |
| Lounge & Travel (20%) | 18/20 | 20/20 |
| Forex & Access (20%) | 8/20 | 12/20 |
02—Basic Info Differences highlighted | ||
| Bank | American Express | HDFC Bank |
| Network | Amex | Diners |
| Card type | Premium | Premium |
| Best for | AmEx's milestone-based travel card — Taj Hotel vouchers + lounge access | Travel and lifestyle benefits |
03—Fees Differences highlighted | ||
| Joining fee | ₹5,000Best | ₹10,000 |
| Annual fee | ₹5,000Best | ₹10,000 |
| Fee waiver | — | ₹8,00,000 |
| Interest-free days | 48 | 50Best |
04—Interest Differences highlighted | ||
| APR (min) | 42% | 23.88%Best |
| APR (max) | 47.88% | 23.88%Best |
| Late payment fee | ₹1,000 | — |
| Cash advance fee | 3.5%Best | 23.88% |
05—Rewards Differences highlighted | ||
| Reward type | points | points |
| Min rate | 1% | 3.33%Best |
| Max rate | 8% | 10%Best |
| Points / ₹100 | 2 | 3.33Best |
| Point value | ₹0.5 | ₹1 |
06—Travel & Lounge Differences highlighted | ||
| Domestic lounge / qtr | 2 | — |
| Lounge spend criteria | No spend condition | No spend condition |
| Priority Pass | ||
| DreamFolks | ||
07—Forex & Fuel Differences highlighted | ||
| Forex markup | 3.5% | 2%Best |
| Fuel surcharge waiver | ||
08—Features Differences highlighted | ||
| Metal card | ||
| Contactless | ||
| UPI linked | ||
09—Eligibility Differences highlighted | ||
| Min income / month | ₹50,000 | ₹2,50,000 |
| Invite only | ||
| Rows won | 03of 11 | 08of 11 |
Quick Verdict & Key Differences
Verified MITC Data
| Key Specification | American Express Platinum Travel Credit Card | HDFC Bank Diners Club Black Metal |
|---|---|---|
| CardCheck Score | 79/100Very Good | 85/100Excellent |
| Annual Fee | ₹5,000 | ₹10,000 |
| Fee Waiver Spend | No waiver | ₹8L/yr |
| Max Reward Potential | 8% | 10% |
| Domestic Lounge Access | 2 / quarter | Check terms |
| International Lounge | Priority Pass (Select) | Priority Pass (Select) |
| Forex Markup Fee | 3.5% | 2% |
Choose American Express Platinum Travel Credit Card if:
Your spending centers around amex's milestone-based travel card — taj hotel vouchers + lounge access and you want direct partner rewards with American Express.
Choose HDFC Bank Diners Club Black Metal if:
Your spending aligns with travel and lifestyle benefits and you prioritize HDFC Bank's redemption benefits.
Frequently asked questions: American Express Platinum Travel Credit Card vs HDFC Bank Diners Club Black Metal
- Which is better: American Express Platinum Travel Credit Card or HDFC Bank Diners Club Black Metal?
- HDFC Bank Diners Club Black Metal holds a higher overall rating with a CardCheck Score of 85/100 (Excellent) compared to 79/100 (Very Good) for American Express Platinum Travel Credit Card (a lead of +6 points). HDFC Bank Diners Club Black Metal gains its scoring lead primarily through forex & terms (12 vs 8) and lounge & travel privileges (20 vs 18) while tying on reward potential and fee value & ROI.
- How do annual fees and fee waiver spend rules compare?
- American Express Platinum Travel Credit Card charges an annual fee of ₹5,000 with no official annual spend waiver milestone for renewal fee waiver. In comparison, HDFC Bank Diners Club Black Metal charges an annual fee of ₹10,000 with an annual spend threshold of ₹8 Lakh.
- How do the reward rates and cashback compare between American Express Platinum Travel Credit Card and HDFC Bank Diners Club Black Metal?
- American Express Platinum Travel Credit Card offers a base reward rate of 1% and up to 8% on accelerated partner categories. Meanwhile, HDFC Bank Diners Club Black Metal offers a base rate of 3.33% and up to 10% on eligible spends. Compare net returns against your monthly spend in our Rewards Calculator.
- Which card has better airport lounge access: American Express Platinum Travel Credit Card or HDFC Bank Diners Club Black Metal?
- American Express Platinum Travel Credit Card provides 2 complimentary domestic lounge visits per quarter (8/year) and complimentary Priority Pass for international lounges. On the other hand, HDFC Bank Diners Club Black Metal provides complimentary Priority Pass for international lounges.
- Which card is better for international foreign currency spends?
- American Express Platinum Travel Credit Card levies a foreign currency markup fee of 3.5%, while HDFC Bank Diners Club Black Metal charges 2%. Lower forex markup directly reduces costs when transacting overseas or on international e-commerce platforms.
- Is CardCheck's comparison data unbiased and verified against official bank MITC?
- Yes. All credit card fees, interest rates, lounge visit quotas, and reward calculations on CardCheck are 100% unsponsored and verified directly against each bank's official Most Important Terms & Conditions (MITC).