Magnus Credit Card vs Diners Club Black
Axis Bank · HDFC Bank — side-by-side CardCheck comparison
CardCheck Score BattleDeterministic 0–100 Benchmark Rating
100% Unsponsored MITC Data
Axis BankScoreExcellent
Annual Fee₹12,500
Max Reward6%
HDFC BankScoreExcellent
Annual Fee₹10,000
Max Reward10%
Diners Club Black leads overall with a CardCheck Score of 85/100 (+1 pts over Magnus Credit Card).
4-Pillar Head-to-Head Breakdown
Magnus vs DinersReward Power
35%Magnus34/35
Diners35/35
Diners Wins
Fee Value & ROI
25%Magnus18/25
Diners18/25
Tie (18/25)
Lounge & Travel
20%Magnus20/20
Diners20/20
Tie (20/20)
Forex & Access
20%Magnus12/20
Diners12/20
Tie (12/20)
01—CardCheck Score & Pillars
- CardCheck Score
- 84
- 85Best
- Rating Verdict
- Excellent
- Excellent
- Reward Power (35%)
- 34/35
- 35/35
- Fee Value & ROI (25%)
- 18/25
- 18/25
- Lounge & Travel (20%)
- 20/20
- 20/20
- Forex & Access (20%)
- 12/20
- 12/20
02—Basic Info
- Bank
- Axis Bank
- HDFC Bank
- Network
- Visa
- Diners
- Card type
- Premium
- Premium
- Best for
- High-spend travellers — best-in-class miles earning + unlimited lounge
- Ultra-premium lifestyle — unlimited lounge, dining, golf and 3.3% rewards
03—Fees
- Joining fee
- ₹12,500
- ₹10,000Best
- Annual fee
- ₹12,500
- ₹10,000Best
- Fee waiver
- ₹15,00,000
- ₹8,00,000Best
- Interest-free days
- —
- 50
04—Interest
- APR (min)
- 52.86%
- 42%Best
- APR (max)
- 42%
- 42%
- Late payment fee
- ₹1,300
- —
05—Rewards
- Reward type
- miles
- points
- Min rate
- 1.2%
- 3.3%Best
- Max rate
- 6%
- 10%Best
- Points / ₹100
- 12
- —
- Point value
- ₹0.2
- —
- Monthly cap
- ₹1,50,000
- —
06—Travel & Lounge
- Domestic lounge / qtr
- Unlimited
- Unlimited
- Intl lounge / year
- 12
- —
- Priority Pass
- DreamFolks
07—Forex & Fuel
- Forex markup
- 2%
- 2%
- Fuel surcharge waiver
08—Features
- Metal card
- Contactless
- UPI linked
09—Eligibility
- Min age
- 21
- 21
- Min income / month
- ₹1,50,000
- ₹2,50,000
- Min CIBIL
- 750Best
- 800
- Invite only
Rows won
01of 08
07of 08
| Attribute ↓ | Column A | ★ Overall pick Column B |
|---|---|---|
01—CardCheck Score & Pillars Differences highlighted | ||
| CardCheck Score | 84 | 85Best |
| Rating Verdict | Excellent | Excellent |
| Reward Power (35%) | 34/35 | 35/35 |
| Fee Value & ROI (25%) | 18/25 | 18/25 |
| Lounge & Travel (20%) | 20/20 | 20/20 |
| Forex & Access (20%) | 12/20 | 12/20 |
02—Basic Info Differences highlighted | ||
| Bank | Axis Bank | HDFC Bank |
| Network | Visa | Diners |
| Card type | Premium | Premium |
| Best for | High-spend travellers — best-in-class miles earning + unlimited lounge | Ultra-premium lifestyle — unlimited lounge, dining, golf and 3.3% rewards |
03—Fees Differences highlighted | ||
| Joining fee | ₹12,500 | ₹10,000Best |
| Annual fee | ₹12,500 | ₹10,000Best |
| Fee waiver | ₹15,00,000 | ₹8,00,000Best |
| Interest-free days | — | 50 |
04—Interest Differences highlighted | ||
| APR (min) | 52.86% | 42%Best |
| APR (max) | 42% | 42% |
| Late payment fee | ₹1,300 | — |
05—Rewards Differences highlighted | ||
| Reward type | miles | points |
| Min rate | 1.2% | 3.3%Best |
| Max rate | 6% | 10%Best |
| Points / ₹100 | 12 | — |
| Point value | ₹0.2 | — |
| Monthly cap | ₹1,50,000 | — |
06—Travel & Lounge Differences highlighted | ||
| Domestic lounge / qtr | Unlimited | Unlimited |
| Intl lounge / year | 12 | — |
| Priority Pass | ||
| DreamFolks | ||
07—Forex & Fuel Differences highlighted | ||
| Forex markup | 2% | 2% |
| Fuel surcharge waiver | ||
08—Features Differences highlighted | ||
| Metal card | ||
| Contactless | ||
| UPI linked | ||
09—Eligibility Differences highlighted | ||
| Min age | 21 | 21 |
| Min income / month | ₹1,50,000 | ₹2,50,000 |
| Min CIBIL | 750Best | 800 |
| Invite only | ||
| Rows won | 01of 08 | 07of 08 |
Quick Verdict & Key Differences
Verified MITC Data
| Key Specification | Magnus Credit Card | Diners Club Black |
|---|---|---|
| CardCheck Score | 84/100Excellent | 85/100Excellent |
| Annual Fee | ₹12,500 | ₹10,000 |
| Fee Waiver Spend | ₹15L/yr | ₹8L/yr |
| Max Reward Potential | 6% | 10% |
| Domestic Lounge Access | Unlimited | Unlimited |
| International Lounge | 12 / year | Priority Pass (Select) |
| Forex Markup Fee | 2% | 2% |
Choose Magnus Credit Card if:
Your spending centers around high-spend travellers — best-in-class miles earning + unlimited lounge and you want direct partner rewards with Axis Bank.
Choose Diners Club Black if:
Your spending aligns with ultra-premium lifestyle — unlimited lounge, dining, golf and 3.3% rewards and you prioritize HDFC Bank's redemption benefits.
Frequently asked questions: Magnus Credit Card vs Diners Club Black
- Which is better: Magnus Credit Card or Diners Club Black?
- Diners Club Black holds a higher overall rating with a CardCheck Score of 85/100 (Excellent) compared to 84/100 (Excellent) for Magnus Credit Card (a lead of +1 points). Diners Club Black is classified in our Elite tier due to superior spend returns and comprehensive travel perks.
- How do annual fees and fee waiver spend rules compare?
- Magnus Credit Card charges an annual fee of ₹12,500 with an annual spend threshold of ₹15 Lakh for renewal fee waiver. In comparison, Diners Club Black charges an annual fee of ₹10,000 with an annual spend threshold of ₹8 Lakh.
- How do the reward rates and cashback compare between Magnus Credit Card and Diners Club Black?
- Magnus Credit Card offers a base reward rate of 1.2% and up to 6% on accelerated partner categories. Meanwhile, Diners Club Black offers a base rate of 3.3% 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: Magnus Credit Card or Diners Club Black?
- Magnus Credit Card provides standard lounge access terms subject to bank quarterly spend criteria. On the other hand, Diners Club Black provides standard lounge access terms subject to bank quarterly spend criteria. Note that most issuers now require meeting minimum quarterly spend criteria (typically ₹10,000 to ₹50,000 in the preceding quarter) to unlock lounge access.
- Which card is better for international foreign currency spends?
- Magnus Credit Card levies a foreign currency markup fee of 2%, while Diners Club Black 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).