Side-by-side · honest numbers
Axis Bank Reserve Credit Card vs HDFC Diners Club Black Metal
Honest side-by-side comparison of Axis Bank Reserve Credit Card, HDFC Diners Club Black Metal — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.
Same spend profile for all cards. How we calculate net annual value
Customize your spend
Change spend profile or swap cards — results update live below.
Spend assumptions
All cards use the same monthly spend profile. Saved spends from the quiz or a card page load automatically.
Axis Bank Reserve Credit Card
Axis Bank
HDFC Diners Club Black Metal
HDFC Bank
Your adjusted comparison
| Feature | Axis Bank Reserve Credit Card Axis Bank | HDFC Diners Club Black Metal HDFC Bank |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ₹50,000 | ₹10,000 |
| Fee waiver threshold | No waiver published | No waiver published |
| Min income | ₹1,00,000/mo | ₹1,50,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | -₹54,860/yr | -₹8,920/yr |
| Travel | — | ₹3,000 → 100 pts/mo × ₹0.50/pt = ₹50/mo (₹600/yr) |
| Top reward rate | 15 EDGE Reward Points/₹200 | 10X points |
| Primary reward cap | No monthly cap published | 3,000 accelerated pts/mo |
| Perks & restrictions | ||
| Lounge access | Unlimited domestic & international lounge · Verify current Axis MITC for spend-linked lounge rules on Reserve | 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 | EMI · Fuel · Rent · Wallet | EMI · Fuel · Rent · Wallet |
| Bonuses | ||
| Signup bonus | — | — |
Stack mode (hold both)
Holding both may not beat using only the better solo card on this spend.
Share this comparison
https://cardhungry.com/in/en/compare/axis-reserve-vs-hdfc-diners-blackReference summary
At a glance (moderate spend)
Quick verdict: On moderate spend, HDFC Diners Club Black Metal leads Axis Bank Reserve Credit Card by about ₹45,940/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 Bank Reserve Credit Card Axis Bank | HDFC Diners Club Black Metal HDFC Bank |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ₹50,000 | ₹10,000 |
| Fee waiver threshold | No waiver published | No waiver published |
| Min income | ₹1,00,000/mo | ₹1,50,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | -₹54,860/yr | -₹8,920/yr |
| Travel | — | ₹3,000 → 100 pts/mo × ₹0.50/pt = ₹50/mo (₹600/yr) |
| Top reward rate | 15 EDGE Reward Points/₹200 | 10X points |
| Primary reward cap | No monthly cap published | 3,000 accelerated pts/mo |
| Perks & restrictions | ||
| Lounge access | Unlimited domestic & international lounge · Verify current Axis MITC for spend-linked lounge rules on Reserve | 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 | EMI · Fuel · Rent · Wallet | EMI · Fuel · Rent · Wallet |
| Bonuses | ||
| Signup bonus | — | — |
Frequently asked questions
- Which card has the lower annual fee?
- HDFC Diners Club Black Metal has the lowest annual fee at ₹10,000.
- Which card earns more on moderate spend?
- HDFC Diners Club Black Metal leads with an estimated -₹8,920/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- Axis Bank Reserve Credit Card lists a minimum monthly income of ₹1,00,000.
- Does this comparison pull my credit score?
- No. CardHungry estimates net value from public fee and reward rules only — no bureau check.
More Axis Bank Reserve Credit Card comparisons
- Axis Bank Reserve Credit Card vs 811 Dream Different Credit Card
- Axis Bank Reserve Credit Card vs AU Altura Credit Card
- Axis Bank Reserve Credit Card vs AU Altura+ Credit Card
- Axis Bank Reserve Credit Card vs AU LIT Credit Card
- Axis Bank Reserve Credit Card vs AU Zenith Credit Card
- Axis Bank Reserve Credit Card vs American Express Gold Card
- Axis Bank Reserve Credit Card vs American Express Platinum Travel Card
- Axis Bank Reserve Credit Card vs American Express SmartEarn Credit Card
- Axis Bank Reserve Credit Card vs Amex Membership Rewards CC
- Axis Bank Reserve Credit Card vs Axis Bank ACE Credit Card
- Axis Bank Reserve Credit Card vs Axis Bank Airtel Credit Card
- Axis Bank Reserve Credit Card vs Axis Bank Atlas Credit Card