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

Axis Bank Reserve Credit Card has lower forex markup (1.5% vs 2%).

Which card has a lower annual fee: Axis Bank Reserve 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 ₹50,000).

Which card offers better lounge access?

Axis Bank Reserve 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 ~1.5%).

Pairwise comparison Add another card →

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

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

Travel Axis Bank Reserve Forex Axis Bank Reserve Rewards HDFC Bank Diners Club Black Low fee HDFC Bank Diners Club Black

Quick comparison

Three core metrics

Reserve Axis Bank

Annual fee ₹50,000 Waivable at ₹35,00,000 spend
Forex markup 1.5%
Domestic lounge Unlimited

Diners Club Black HDFC Bank

Annual fee ₹10,000 Waivable at ₹5,00,000 spend
Forex markup 2%
Domestic lounge Unlimited

Reward earning explained

Per card

Reserve

7.5 pts / ₹100 on General spend

Limited data

Diners Club Black

5 pts / ₹150 on General spend

Limited data

Pick based on what matters

6 dimensions

Start with the constraint you care about most: annual fee (Axis Bank Reserve: ₹50,000 vs HDFC Bank Diners Club Black: ₹10,000), forex markup (1.5% vs 2%), or lounge access (Unlimited vs Unlimited).

Travel Axis Bank Reserve wins

Axis Bank Reserve is better for travel

Axis Bank Reserve is stronger here. Axis Bank Reserve is cheaper for international spend (1.5% vs 2% forex).

Reserve: Limited data Diners Club Black: Limited data
Forex markup Axis Bank Reserve wins

Axis Bank Reserve is better for forex

Axis Bank Reserve is stronger here. Axis Bank Reserve has a lower forex markup (1.5% vs 2%).

Reserve: Limited data Diners Club Black: Limited data
Lounge access Tie

Both cards are similar for lounge access

Domestic lounge access is unlimited.
Rewards HDFC Bank Diners Club Black wins

HDFC Bank Diners Club Black is better for rewards

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

Reserve: Limited data Diners Club Black: Limited data
Annual fee HDFC Bank Diners Club Black wins

HDFC Bank Diners Club Black is better for fees

HDFC Bank Diners Club Black is stronger here. HDFC Bank Diners Club Black has a lower annual fee (₹10,000 vs ₹50,000).

Reserve: Limited data Diners Club Black: Limited data
upi Tie

Both cards are similar for UPI usage

Mastercard network does not support UPI payments. Diners Club network does not support UPI payments.

Verify with issuer

All fields

Standard view

Example usage at this monthly spend

At ₹50k/month spend:

Diners Club Black: ~₹1,670/month at base rate
Reserve: ~₹750/month at base rate

Illustrative only, using current base rates before caps.

Field	Reserve Axis Bank	Diners Club Black HDFC Bank
Lounge Access
Domestic lounge visits	Unlimited	Unlimited
International lounge visits 12/year vs 6/year	12/year	6/year
Forex / International Use
Forex markup Source agreement differs — verify both. 1.5% vs 2%	1.5%	2%
Fees
Annual fee ₹50,000 vs ₹10,000	₹50,000	₹10,000
Joining fee ₹50,000 vs ₹10,000	₹50,000	₹10,000
Fee waiver spend ₹35,00,000 vs ₹5,00,000	₹35,00,000	₹5,00,000
Rewards
Reward points (base spend) 7.5 pts/₹100 vs 5 pts/₹150	7.5 pts/₹100	5 pts/₹150
Point cash value ₹0.2 vs ₹1	₹0.2	₹1

Notes

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