Side-by-side · honest numbers
Axis IOCL Credit Card vs HDFC Diners Club Black Metal
Honest side-by-side comparison of Axis IOCL Credit Card, HDFC Diners Club Black Metal — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.
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Spend assumptions
All cards use the same monthly spend profile. Saved spends from the quiz or a card page load automatically.
Axis IOCL Credit Card
Axis Bank
HDFC Diners Club Black Metal
HDFC Bank
Your adjusted comparison
| Feature | Axis IOCL Credit Card Axis Bank | HDFC Diners Club Black Metal HDFC Bank |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ₹500 | ₹10,000 |
| Fee waiver threshold | No waiver published | No waiver published |
| Min income | ₹25,000/mo | ₹1,50,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | ₹910/yr | -₹8,920/yr |
| Groceries (offline) | ₹5,000 → 200 pts/mo × ₹0.20/pt = ₹40/mo (₹480/yr) | — |
| Fuel | ₹3,000 → 600 pts/mo × ₹0.20/pt = ₹120/mo (₹1,440/yr) · issuer max ₹5,000/mo | — |
| Travel | — | ₹3,000 → 100 pts/mo × ₹0.50/pt = ₹50/mo (₹600/yr) |
| Top reward rate | 20 Edge Miles/₹100 | 10X points |
| Primary reward cap | ₹5,000 eligible spend/mo | 3,000 accelerated pts/mo |
| Perks & restrictions | ||
| Lounge access | None | Domestic + international — spend-gated from Jul 2026 · From Jul 2026: ~₹60,000 spend in the previous calendar quarter for domestic lounge; Diners Club Privilege confirmed ₹15K→₹60K gate |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | Non-IOCL fuel · EMI · Rent | EMI · Fuel · Rent · Wallet |
| Bonuses | ||
| Signup bonus | — | — |
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https://cardhungry.com/in/en/compare/axis-iocl-vs-hdfc-diners-blackReference summary
At a glance (moderate spend)
Quick verdict: On moderate spend, Axis IOCL Credit Card leads HDFC Diners Club Black Metal by about ₹9,830/yr in estimated net value.
Spend assumptions for this table
Moderate user spend profile · ₹31,000/mo
₹31,000/month total spend — typical India user
Online ₹8,000 · Groceries ₹5,000 · Other ₹4,000 · Dining ₹3,500 · Bills ₹3,500
| Feature | Axis IOCL Credit Card Axis Bank | HDFC Diners Club Black Metal HDFC Bank |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ₹500 | ₹10,000 |
| Fee waiver threshold | No waiver published | No waiver published |
| Min income | ₹25,000/mo | ₹1,50,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | ₹910/yr | -₹8,920/yr |
| Groceries (offline) | ₹5,000 → 200 pts/mo × ₹0.20/pt = ₹40/mo (₹480/yr) | — |
| Fuel | ₹3,000 → 600 pts/mo × ₹0.20/pt = ₹120/mo (₹1,440/yr) · issuer max ₹5,000/mo | — |
| Travel | — | ₹3,000 → 100 pts/mo × ₹0.50/pt = ₹50/mo (₹600/yr) |
| Top reward rate | 20 Edge Miles/₹100 | 10X points |
| Primary reward cap | ₹5,000 eligible spend/mo | 3,000 accelerated pts/mo |
| Perks & restrictions | ||
| Lounge access | None | Domestic + international — spend-gated from Jul 2026 · From Jul 2026: ~₹60,000 spend in the previous calendar quarter for domestic lounge; Diners Club Privilege confirmed ₹15K→₹60K gate |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | Non-IOCL fuel · EMI · Rent | EMI · Fuel · Rent · Wallet |
| Bonuses | ||
| Signup bonus | — | — |
Frequently asked questions
- Which card has the lower annual fee?
- Axis IOCL Credit Card has the lowest annual fee at ₹500.
- Which card earns more on moderate spend?
- Axis IOCL Credit Card leads with an estimated ₹910/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- Axis IOCL Credit Card lists a minimum monthly income of ₹25,000.
- Does this comparison pull my credit score?
- No. CardHungry estimates net value from public fee and reward rules only — no bureau check.
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