Side-by-side · honest numbers
Axis Bank Reserve Credit Card vs HDFC Diners Club Black Metal vs Swiggy HDFC Bank Credit Card
Honest side-by-side comparison of Axis Bank Reserve Credit Card, HDFC Diners Club Black Metal, Swiggy HDFC Bank 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, Swiggy HDFC Bank Credit Card ranks first for estimated net annual value — ahead of HDFC Diners Club Black Metal by about ₹18,450/yr.
| Feature | Axis Bank Reserve Credit Card Axis Bank | HDFC Diners Club Black Metal HDFC Bank | Swiggy HDFC Bank Credit Card HDFC Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹12,500 | ₹10,000 | ₹500 |
| Fee waiver threshold | No waiver published | No waiver published | Waived at ₹2,00,000/yr spend |
| Min income | ₹1,00,000/mo | ₹1,50,000/mo | ₹25,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | -₹10,580/yr | -₹6,300/yr | ₹12,150/yr |
| Online shopping | — | — | 5% cashback → ₹500/mo (₹6,000/yr) |
| Dining & delivery | 24 pts per ₹150 spend → ₹128/mo (₹1,536/yr) | — | 10% cashback → ₹400/mo (₹4,800/yr) |
| Travel | 5 pts per ₹150 spend → ₹33/mo (₹400/yr) | 5 pts per ₹150 spend → ₹83/mo (₹1,000/yr) | — |
| Top reward rate | 24 EDGE miles/₹150 | 10X points | 10% |
| Primary reward cap | No monthly cap published | No monthly cap published | ₹1,500 rewards/mo cap |
| Perks & restrictions | |||
| Lounge access | Unlimited domestic & international lounge · No minimum spend required for lounge access | 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 | EMI · Fuel · Rent · Wallet | EMI · Fuel · Rent · Wallet loads |
| Bonuses | |||
| Signup bonus | — | — | — |
Frequently asked questions
- Which card has the lower annual fee?
- Swiggy HDFC Bank Credit Card has the lowest annual fee at ₹500.
- Which card earns more on moderate spend?
- Swiggy HDFC Bank Credit Card leads with an estimated ₹12,150/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- Swiggy HDFC Bank 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 Reserve Credit Card
Axis Bank
HDFC Diners Club Black Metal
HDFC Bank
Swiggy HDFC Bank Credit Card
HDFC Bank
Your adjusted comparison
| Feature | Axis BankMetal Axis Bank Reserve Credit Card •••• •••• •••• 4242 Quick facts Axis Bank Reserve Credit Card Top reward24 EDGE miles/₹150 Annual fee₹12,500 Min income₹1,00,000/mo Tap to flip back Axis Bank Reserve 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 | HDFC BankGold Swiggy HDFC Bank Credit Card •••• •••• •••• 4242 Quick facts Swiggy HDFC Bank Credit Card Top reward10% Annual fee₹500 Min income₹25,000/mo Tap to flip back Swiggy HDFC Bank Credit Card HDFC Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹12,500 | ₹10,000 | ₹500 |
| Fee waiver threshold | No waiver published | No waiver published | Waived at ₹2,00,000/yr spend |
| Min income | ₹1,00,000/mo | ₹1,50,000/mo | ₹25,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | -₹10,580/yr | -₹6,300/yr | ₹12,150/yr |
| Online shopping | — | — | 5% cashback → ₹500/mo (₹6,000/yr) |
| Dining & delivery | 24 pts per ₹150 spend → ₹128/mo (₹1,536/yr) | — | 10% cashback → ₹400/mo (₹4,800/yr) |
| Travel | 5 pts per ₹150 spend → ₹33/mo (₹400/yr) | 5 pts per ₹150 spend → ₹83/mo (₹1,000/yr) | — |
| Top reward rate | 24 EDGE miles/₹150 | 10X points | 10% |
| Primary reward cap | No monthly cap published | No monthly cap published | ₹1,500 rewards/mo cap |
| Perks & restrictions | |||
| Lounge access | Unlimited domestic & international lounge · No minimum spend required for lounge access | 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 | EMI · Fuel · Rent · Wallet | EMI · Fuel · Rent · Wallet loads |
| Bonuses | |||
| Signup bonus | — | — | — |
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https://cardhungry.com/in/en/compare/axis-reserve-vs-hdfc-diners-black-vs-hdfc-swiggyMore Axis Bank Reserve Credit Card comparisons
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