Side-by-side · honest numbers
Axis Bank Reserve Credit Card vs HDFC Diners Club Black Metal vs SBI Card against Fixed Deposit
Honest side-by-side comparison of Axis Bank Reserve Credit Card, HDFC Diners Club Black Metal, SBI Card against Fixed Deposit — 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, SBI Card against Fixed Deposit ranks first for estimated net annual value — ahead of HDFC Diners Club Black Metal by about ₹8,070/yr.
| Feature | Axis Bank Reserve Credit Card Axis Bank | HDFC Diners Club Black Metal HDFC Bank | SBI Card against Fixed Deposit SBI Card |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹12,500 | ₹10,000 | Lifetime free |
| Fee waiver threshold | No waiver published | No waiver published | Lifetime free |
| Min income | ₹1,00,000/mo | ₹1,50,000/mo | Not stated |
| Secured / FD-backed | Standard | Standard | FD-backed |
| Rewards | |||
| Net annual value (moderate) | -₹10,580/yr | -₹6,300/yr | ₹1,770/yr |
| Dining & delivery | 24 pts per ₹150 spend → ₹128/mo (₹1,536/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 | 80% of FD value |
| Primary reward cap | No monthly cap published | No monthly cap published | No monthly cap published |
| 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 | Not stated |
| Bonuses | |||
| Signup bonus | — | — | — |
Frequently asked questions
- Which card has the lower annual fee?
- SBI Card against Fixed Deposit has a ₹0 annual fee (lifetime free or zero-fee tier).
- Which card earns more on moderate spend?
- SBI Card against Fixed Deposit leads with an estimated ₹1,770/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.
- Which cards are secured (FD-backed)?
- SBI Card against Fixed Deposit is secured — useful for thin credit files without a bureau pull at application.
- 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
SBI Card against Fixed Deposit
SBI Card
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 | SBI CardClassic SBI Card against Fixed Deposit •••• •••• •••• 4242 Quick facts SBI Card against Fixed Deposit Top reward80% of FD value Annual feeLifetime Free Tap to flip back SBI Card against Fixed Deposit SBI Card |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹12,500 | ₹10,000 | Lifetime free |
| Fee waiver threshold | No waiver published | No waiver published | Lifetime free |
| Min income | ₹1,00,000/mo | ₹1,50,000/mo | Not stated |
| Secured / FD-backed | Standard | Standard | FD-backed |
| Rewards | |||
| Net annual value (moderate) | -₹10,580/yr | -₹6,300/yr | ₹1,770/yr |
| Dining & delivery | 24 pts per ₹150 spend → ₹128/mo (₹1,536/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 | 80% of FD value |
| Primary reward cap | No monthly cap published | No monthly cap published | No monthly cap published |
| 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 | Not stated |
| Bonuses | |||
| Signup bonus | — | — | — |
Share this comparison
https://cardhungry.com/in/en/compare/axis-reserve-vs-hdfc-diners-black-vs-sbi-fd-securedMore 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 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
- Axis Bank Reserve Credit Card vs Axis Bank Flipkart Credit Card
- Axis Bank Reserve Credit Card vs Axis Bank Magnus Credit Card