Side-by-side · honest numbers
Axis Bank Privilege Credit Card vs HDFC Diners Club Black Metal vs Kotak Royale Signature Credit Card
Honest side-by-side comparison of Axis Bank Privilege Credit Card, HDFC Diners Club Black Metal, Kotak Royale Signature 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 Privilege Credit Card ranks first for estimated net annual value — ahead of Kotak Royale Signature Credit Card by about ₹12,298/yr.
| Feature | Axis Bank Privilege Credit Card Axis Bank | HDFC Diners Club Black Metal HDFC Bank | Kotak Royale Signature Credit Card Kotak Mahindra Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹1,500 | ₹10,000 | ₹999 |
| Fee waiver threshold | Waived at ₹2,50,000/yr spend | No waiver published | Waived at ₹1,00,000/yr spend |
| Min income | ₹35,000/mo | ₹1,50,000/mo | ₹25,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹12,438/yr | -₹6,300/yr | ₹140/yr |
| Fuel | — | — | 2 pts per ₹150 spend → ₹13/mo (₹160/yr) |
| Travel | 2 pts per ₹150 spend → ₹13/mo (₹160/yr) | 5 pts per ₹150 spend → ₹83/mo (₹1,000/yr) | — |
| Top reward rate | 2 EDGE miles/₹150 | 10X points | 2X reward points |
| Primary reward cap | No monthly cap published | 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) | Limited domestic lounge visits — verify on issuer site |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Wallet | EMI · Fuel · Rent · Wallet | EMI · Rent · Wallet |
| Bonuses | |||
| Signup bonus | ₹12,500 | — | — |
Frequently asked questions
- Which card has the lower annual fee?
- Kotak Royale Signature Credit Card has the lowest annual fee at ₹999.
- Which card earns more on moderate spend?
- Axis Bank Privilege Credit Card leads with an estimated ₹12,438/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- Kotak Royale Signature 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.
Customize your spend
Change spend profile or swap cards — results update live below.
Axis Bank Privilege Credit Card
Axis Bank
HDFC Diners Club Black Metal
HDFC Bank
Kotak Royale Signature Credit Card
Kotak Mahindra Bank
Your adjusted comparison
| Feature | Axis BankPlatinum Axis Bank Privilege Credit Card •••• •••• •••• 4242 Quick facts Axis Bank Privilege Credit Card Top reward2 EDGE miles/₹150 Annual fee₹1,500 Min income₹35,000/mo Tap to flip back Axis Bank Privilege 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 | Kotak Mahindra BankSignature Kotak Royale Signature Credit Card •••• •••• •••• 4242 Quick facts Kotak Royale Signature Credit Card Top reward2X reward points Annual fee₹999 Min income₹25,000/mo Tap to flip back Kotak Royale Signature Credit Card Kotak Mahindra Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹1,500 | ₹10,000 | ₹999 |
| Fee waiver threshold | Waived at ₹2,50,000/yr spend | No waiver published | Waived at ₹1,00,000/yr spend |
| Min income | ₹35,000/mo | ₹1,50,000/mo | ₹25,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹12,438/yr | -₹6,300/yr | ₹140/yr |
| Fuel | — | — | 2 pts per ₹150 spend → ₹13/mo (₹160/yr) |
| Travel | 2 pts per ₹150 spend → ₹13/mo (₹160/yr) | 5 pts per ₹150 spend → ₹83/mo (₹1,000/yr) | — |
| Top reward rate | 2 EDGE miles/₹150 | 10X points | 2X reward points |
| Primary reward cap | No monthly cap published | 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) | Limited domestic lounge visits — verify on issuer site |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Wallet | EMI · Fuel · Rent · Wallet | EMI · Rent · Wallet |
| Bonuses | |||
| Signup bonus | ₹12,500 | — | — |
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https://cardhungry.com/in/en/compare/axis-privilege-vs-hdfc-diners-black-vs-kotak-royaleMore Axis Bank Privilege Credit Card comparisons
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