Axis Bank Reserve Credit Card vs HDFC Bank Diners Club Black Metal
Axis Bank · HDFC Bank — side-by-side CardCheck comparison
·4.4/ 5
CardCheck Score BattleDeterministic 0–100 Benchmark Rating
100% Unsponsored MITC Data
Axis BankScoreExcellent
Annual Fee₹50,000
Max Reward10%
HDFC BankScoreExcellent
Annual Fee₹10,000
Max Reward10%
Axis Bank Reserve Credit Card leads overall with a CardCheck Score of 87/100 (+2 pts over HDFC Bank Diners Club Black Metal).
4-Pillar Head-to-Head Breakdown
Axis vs HDFCReward Power
35%Axis35/35
HDFC35/35
Tie (35/35)
Fee Value & ROI
25%Axis18/25
HDFC18/25
Tie (18/25)
Lounge & Travel
20%Axis20/20
HDFC20/20
Tie (20/20)
Forex & Access
20%Axis14/20
HDFC12/20
Axis Wins
01—CardCheck Score & Pillars
- CardCheck Score
- 87Best
- 85
- Rating Verdict
- Excellent
- Excellent
- Reward Power (35%)
- 35/35
- 35/35
- Fee Value & ROI (25%)
- 18/25
- 18/25
- Lounge & Travel (20%)
- 20/20
- 20/20
- Forex & Access (20%)
- 14/20
- 12/20
02—Basic Info
- Bank
- Axis Bank
- HDFC Bank
- Network
- Visa
- Diners
- Card type
- Premium
- Premium
- Best for
- Ultra HNI — unlimited lounge, concierge & highest miles earning
- Travel and lifestyle benefits
03—Fees
- Joining fee
- ₹50,000
- ₹10,000Best
- Annual fee
- ₹50,000
- ₹10,000Best
- Fee waiver
- ₹35,00,000
- ₹8,00,000Best
- Interest-free days
- —
- 50
04—Interest
- APR (min)
- —
- 23.88%
- APR (max)
- —
- 23.88%
- Cash advance fee
- —
- 23.88%
05—Rewards
- Reward type
- points
- points
- Min rate
- 1.5%
- 3.33%Best
- Max rate
- 10%
- 10%
- Points / ₹100
- 7.5Best
- 3.33
- Point value
- ₹0.2
- ₹1
06—Travel & Lounge
- Lounge spend criteria
- No spend condition
- No spend condition
- Priority Pass
- DreamFolks
07—Forex & Fuel
- Forex markup
- 1.5%Best
- 2%
- Fuel surcharge waiver
08—Features
- Metal card
- Contactless
- UPI linked
09—Eligibility
- Min income / month
- —
- ₹2,50,000
- Invite only
Rows won
03of 07
04of 07
| Attribute ↓ | ||
|---|---|---|
01—CardCheck Score & Pillars Differences highlighted | ||
| CardCheck Score | 87Best | 85 |
| Rating Verdict | Excellent | Excellent |
| Reward Power (35%) | 35/35 | 35/35 |
| Fee Value & ROI (25%) | 18/25 | 18/25 |
| Lounge & Travel (20%) | 20/20 | 20/20 |
| Forex & Access (20%) | 14/20 | 12/20 |
02—Basic Info Differences highlighted | ||
| Bank | Axis Bank | HDFC Bank |
| Network | Visa | Diners |
| Card type | Premium | Premium |
| Best for | Ultra HNI — unlimited lounge, concierge & highest miles earning | Travel and lifestyle benefits |
03—Fees Differences highlighted | ||
| Joining fee | ₹50,000 | ₹10,000Best |
| Annual fee | ₹50,000 | ₹10,000Best |
| Fee waiver | ₹35,00,000 | ₹8,00,000Best |
| Interest-free days | — | 50 |
04—Interest Differences highlighted | ||
| APR (min) | — | 23.88% |
| APR (max) | — | 23.88% |
| Cash advance fee | — | 23.88% |
05—Rewards Differences highlighted | ||
| Reward type | points | points |
| Min rate | 1.5% | 3.33%Best |
| Max rate | 10% | 10% |
| Points / ₹100 | 7.5Best | 3.33 |
| Point value | ₹0.2 | ₹1 |
06—Travel & Lounge Differences highlighted | ||
| Lounge spend criteria | No spend condition | No spend condition |
| Priority Pass | ||
| DreamFolks | ||
07—Forex & Fuel Differences highlighted | ||
| Forex markup | 1.5%Best | 2% |
| Fuel surcharge waiver | ||
08—Features Differences highlighted | ||
| Metal card | ||
| Contactless | ||
| UPI linked | ||
09—Eligibility Differences highlighted | ||
| Min income / month | — | ₹2,50,000 |
| Invite only | ||
| Rows won | 03of 07 | 04of 07 |
Quick Verdict & Key Differences
Verified MITC Data
| Key Specification | Axis Bank Reserve Credit Card | HDFC Bank Diners Club Black Metal |
|---|---|---|
| CardCheck Score | 87/100Excellent | 85/100Excellent |
| Annual Fee | ₹50,000 | ₹10,000 |
| Fee Waiver Spend | ₹35L/yr | ₹8L/yr |
| Max Reward Potential | 10% | 10% |
| Domestic Lounge Access | Check terms | Check terms |
| International Lounge | Priority Pass (Select) | Priority Pass (Select) |
| Forex Markup Fee | 1.5% | 2% |
Choose Axis Bank Reserve Credit Card if:
Your spending centers around ultra hni — unlimited lounge, concierge & highest miles earning and you want direct partner rewards with Axis Bank.
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: Axis Bank Reserve Credit Card vs HDFC Bank Diners Club Black Metal
- Which is better: Axis Bank Reserve Credit Card or HDFC Bank Diners Club Black Metal?
- Axis Bank Reserve Credit Card holds a higher overall rating with a CardCheck Score of 87/100 (Excellent) compared to 85/100 (Excellent) for HDFC Bank Diners Club Black Metal (a lead of +2 points). Axis Bank Reserve Credit Card gains its scoring lead primarily through forex & terms (14 vs 12) while tying on reward potential and fee value & ROI and lounge & travel privileges.
- How do annual fees and fee waiver spend rules compare?
- Axis Bank Reserve Credit Card charges an annual fee of ₹50,000 with an annual spend threshold of ₹35 Lakh 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 Axis Bank Reserve Credit Card and HDFC Bank Diners Club Black Metal?
- Axis Bank Reserve Credit Card offers a base reward rate of 1.5% and up to 10% 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: Axis Bank Reserve Credit Card or HDFC Bank Diners Club Black Metal?
- Axis Bank Reserve Credit Card provides 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?
- Axis Bank Reserve Credit Card levies a foreign currency markup fee of 1.5%, 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).