Which card has a lower forex fee: Axis Bank Primus Credit Card or HDFC Bank Diners Club Black Credit Card?

Axis Bank Primus Credit Card has lower forex markup (0% vs 2%).

Which card has a lower annual fee: Axis Bank Primus Credit Card or HDFC Bank Diners Club Black Credit Card?

HDFC Bank Diners Club Black Credit Card has a lower annual fee (₹10,000 vs ₹3,00,000).

Which card offers better lounge access?

Axis Bank Primus Credit Card: Unlimited domestic lounge. HDFC Bank Diners Club Black Credit Card: Unlimited domestic lounge.

Which card has a higher base reward rate?

HDFC Bank Diners Club Black Credit Card has higher base reward value (~3.33% vs ~1%).

Axis Bank Primus vs HDFC Bank Diners Club Black Credit Cards – Fees, Lounge, Forex

Side-by-side comparison of the Axis Bank Primus and the HDFC Bank Diners Club Black. Verify fees, lounge access, forex markup, and base rewards before you apply.

Travel → Axis Bank Primus Axis Bank Primus is stronger here. Forex markup is 0%.

Forex → Axis Bank Primus Axis Bank Primus is stronger here. Forex markup is 0%.

Rewards → HDFC Bank Diners Club Black HDFC Bank Diners Club Black is stronger here. Estimated base reward value is ~3.3% on base spend.

Low fee → HDFC Bank Diners Club Black HDFC Bank Diners Club Black is stronger here. HDFC Bank Diners Club Black has a lower annual fee (₹10,000 vs ₹3,00,000).

Quick comparison

Feature	Primus	Diners Club Black
Annual fee	₹3,00,000	₹10,000 Waivable at ₹5,00,000 spend
Forex fee	0%	2%
Domestic lounge	Unlimited	Unlimited

Fees: Diners Club Black wins

Confidence: High

Forex: Primus wins

Confidence: High

Lounge: Tie

Confidence: High

Primus 1 pts / ₹100 on General spend Strong data

Diners Club Black 5 pts / ₹150 on General spend Strong data

Pick based on what matters

Start with the constraint you care about most: annual fee (Axis Bank Primus: ₹3,00,000 vs HDFC Bank Diners Club Black: ₹10,000), forex markup (0% vs 2%), or lounge access (Unlimited vs Unlimited).

Axis Bank Primus is better for travel Strong data vs Strong data Axis Bank Primus is stronger here. Forex markup is 0%.
Axis Bank Primus is better for forex Strong data vs Strong data Axis Bank Primus is stronger here. Forex markup is 0%.
Both cards are similar for lounge access Domestic lounge access is unlimited.
HDFC Bank Diners Club Black is better for rewards Strong data vs Strong data HDFC Bank Diners Club Black is stronger here. Estimated base reward value is ~3.3% on base spend.
HDFC Bank Diners Club Black is better for fees Strong data vs Strong data HDFC Bank Diners Club Black is stronger here. HDFC Bank Diners Club Black has a lower annual fee (₹10,000 vs ₹3,00,000).
Both cards are similar for UPI usage Visa network does not support UPI payments. Diners Club network does not support UPI payments.

Explore: Axis Bank Primus card page · HDFC Bank Diners Club Black card page · best credit cards in India

Standard view

Example usage at this monthly spend

At ₹50k/month spend:

Diners Club Black: ~₹1,670/month at base rate
Primus: ~₹500/month at base rate

Illustrative only, using current base rates before caps.

	Primus Axis Bank	Diners Club Black HDFC Bank
Lounge Access
Domestic lounge visits	Unlimited	Unlimited
International lounge visits Only available for Diners Club Black	Not specified	6/year
Forex / International Use
Forex markup 0% vs 2%	0%	2%
Fees
Annual fee ₹3,00,000 vs ₹10,000	₹3,00,000	₹10,000
Joining fee ₹5,00,000 vs ₹10,000	₹5,00,000	₹10,000
Fee waiver spend Only available for Diners Club Black	Not specified	₹5,00,000
Rewards
Reward points (base spend) 1 pts/₹100 vs 5 pts/₹150	1 pts/₹100	5 pts/₹150
Point cash value	₹1	₹1

Notes

Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.

Axis Bank Primus vs HDFC Bank Diners Club Black Credit Cards – Fees, Lounge, Forex

Quick comparison

Pick based on what matters

Related comparisons

Example usage at this monthly spend

Notes