Axis ACE vs HDFC Diners Club Black
Side-by-side credit card comparison to help you choose the best one.
HDFC Diners Club Black
Why this card wins: Travel & Dining — 5X reward points on every ₹150 spent
| Feature | ||
|---|---|---|
| Bank | Axis Bank | HDFC Bank |
| Card Type | Cashback | Super Premium |
| Annual Fee | Lifetime Free | ₹10,000 + GST |
| Joining Fee | Nil | ₹10,000 + GST |
| Rewards | 5% cashback on bills via Google Pay, 2% on Swiggy & Zomato | 5X reward points on every ₹150 spent |
| Best For | Bill Payments | Travel & Dining |
| Interest Rate | 3.40% per month (40.80% p.a.) | 3.49% per month (41.88% p.a.) |
| Credit Limit | ₹50,000 - ₹5,00,000 | ₹5,00,000 - ₹20,00,000 |
| Welcome Benefit | None | 5000 reward points + ₹500 Taj voucher |
| Min Income | ₹15,000/month | ₹1,50,000/month |
| Lounge Access | None | Unlimited domestic + international |
| Fuel Surcharge Waiver | 1% waiver on ₹400-₹5,000 txns | 1% waiver on ₹400-₹5,000 txns |
| Foreign Txn Fee | 3.5% + GST | 2.0% + GST |
| Add-On Card Fee | Free | Free |
| Rating | 4.6 | 4.9 |
| Contactless | ||
| EMI Conversion |
Key Features
Axis ACE
Bill Payments
Visa • Cashback
- No annual fee ever
- 5% cashback on utility bills via Google Pay
- 2% cashback on Swiggy, Zomato
- 1% cashback on all other spends
HDFC Diners Club Black
Travel & Dining
Diners Club • Super Premium
- Unlimited domestic & international lounge access
- 10X rewards on SmartBuy portal
- Complimentary annual memberships worth ₹10,000+
- Golf privileges at 200+ courses worldwide
Verdict
Based on rating and overall value, HDFC Diners Club Black ranks highest among your selected cards. It excels at Travel & Dining and offers 5X reward points on every ₹150 spent.
Frequently asked questions
Which is better: Axis ACE or HDFC Diners Club Black?
HDFC Diners Club Black has the higher CardKhoj rating (4.9/5) and is best for travel & dining. Axis ACE is the better fit if your priority is bill payments. The right choice depends on where you spend most.
Which has the lower annual fee: Axis ACE and HDFC Diners Club Black?
Axis ACE is cheaper to hold at Lifetime Free, compared with ₹10,000 + GST for HDFC Diners Club Black.
Do Axis ACE and HDFC Diners Club Black offer airport lounge access?
Axis ACE: no complimentary lounge access. HDFC Diners Club Black: unlimited domestic + international.
Which card is better for international spending?
HDFC Diners Club Black has the lowest forex markup at 2.0% + GST, which makes it cheaper for travel abroad and foreign-currency shopping.
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