Side-by-side · honest numbers
Axis Bank Flipkart Credit Card vs HDFC Diners Club Black Metal vs IndusInd Bank Platinum Credit Card
Honest side-by-side comparison of Axis Bank Flipkart Credit Card, HDFC Diners Club Black Metal, IndusInd Bank Platinum Credit 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, Axis Bank Flipkart Credit Card ranks first for estimated net annual value — ahead of IndusInd Bank Platinum Credit Card by about ₹5,980/yr.
| Feature | Axis Bank Flipkart Credit Card Axis Bank | HDFC Diners Club Black Metal HDFC Bank | IndusInd Bank Platinum Credit Card IndusInd Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹500 | ₹10,000 | Lifetime free |
| Fee waiver threshold | Waived at ₹2,00,000/yr spend | No waiver published | Lifetime free |
| Min income | ₹25,000/mo | ₹1,50,000/mo | ₹20,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹5,960/yr | -₹6,300/yr | -₹20/yr |
| Online shopping | 5% cashback → ₹200/mo (₹2,400/yr) (cap hit) | — | — |
| Travel | — | 5 pts per ₹150 spend → ₹83/mo (₹1,000/yr) | — |
| Top reward rate | 5% | 10X points | 1 reward point/₹150 |
| Primary reward cap | ₹4,000 eligible spend/mo | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | None | Unlimited domestic + international · No minimum spend — show physical card at lounge (DreamFolks / Diners network) | None |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Wallet · Insurance | EMI · Fuel · Rent · Wallet | EMI · Fuel · Rent |
| Bonuses | |||
| Signup bonus | ₹500 | — | — |
Frequently asked questions
- Which card has the lower annual fee?
- IndusInd Bank Platinum Credit Card has a ₹0 annual fee (lifetime free or zero-fee tier).
- Which card earns more on moderate spend?
- Axis Bank Flipkart Credit Card leads with an estimated ₹5,960/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- IndusInd Bank Platinum Credit Card lists a minimum monthly income of ₹20,000.
- 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.
Axis Bank Flipkart Credit Card
Axis Bank
HDFC Diners Club Black Metal
HDFC Bank
IndusInd Bank Platinum Credit Card
IndusInd Bank
Your adjusted comparison
| Feature | Axis BankGold Axis Bank Flipkart Credit Card •••• •••• •••• 4242 Quick facts Axis Bank Flipkart Credit Card Top reward5% Annual fee₹500 Min income₹25,000/mo Tap to flip back Axis Bank Flipkart Credit Card Axis Bank | 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 | IndusInd BankPlatinum IndusInd Bank Platinum Credit Card •••• •••• •••• 4242 Quick facts IndusInd Bank Platinum Credit Card Top reward1 reward point/₹150 Annual feeLifetime Free Min income₹20,000/mo Tap to flip back IndusInd Bank Platinum Credit Card IndusInd Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹500 | ₹10,000 | Lifetime free |
| Fee waiver threshold | Waived at ₹2,00,000/yr spend | No waiver published | Lifetime free |
| Min income | ₹25,000/mo | ₹1,50,000/mo | ₹20,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹5,960/yr | -₹6,300/yr | -₹20/yr |
| Online shopping | 5% cashback → ₹200/mo (₹2,400/yr) (cap hit) | — | — |
| Travel | — | 5 pts per ₹150 spend → ₹83/mo (₹1,000/yr) | — |
| Top reward rate | 5% | 10X points | 1 reward point/₹150 |
| Primary reward cap | ₹4,000 eligible spend/mo | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | None | Unlimited domestic + international · No minimum spend — show physical card at lounge (DreamFolks / Diners network) | None |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Wallet · Insurance | EMI · Fuel · Rent · Wallet | EMI · Fuel · Rent |
| Bonuses | |||
| Signup bonus | ₹500 | — | — |
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https://cardhungry.com/in/en/compare/axis-flipkart-vs-hdfc-diners-black-vs-indusind-platinumMore Axis Bank Flipkart Credit Card comparisons
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