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Side-by-Side Comparison|Updated March 2026

Axis Bank Easy Gold Credit Card vs HDFC Bank Diners Club Black Metal Edition

Detailed comparison of fees, rewards, benefits, and value to help you choose the right credit card for your spending pattern.

Axis Bank

Axis Bank Easy Gold Credit Card

5.5/10
Annual Fee₹100
Base Rewards0.2%
NetworkVisa
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HDFC Bank

HDFC Bank Diners Club Black Metal Edition

9.2/10
Annual Fee₹10,000
Base Rewards0.9990000000000001%
NetworkDiners Club
View Full Details

Feature-by-Feature Comparison

FeatureAxis Bank Easy Gold Credit CardHDFC Bank Diners Club Black Metal Edition
Annual Fee₹100₹10,000
Joining FeeFree₹10,000
Fee Waiver Spend₹50,000₹8,00,000
Base Reward Rate0.2%0.9990000000000001%
Reward CurrencyEDGE Reward PointsReward Points
NetworkVisaDiners Club
Editor Rating5.5/109.2/10
Forex Markup3.5%3.5%

Accelerated Rewards

Axis Bank Easy Gold Credit Card

No accelerated rewards listed

HDFC Bank Diners Club Black Metal Edition

  • 0% on SmartBuy Hotels
  • 0% on SmartBuy Flights
  • 0% on Weekend Dining

Pros & Cons

Axis Bank Easy Gold Credit Card

Pros

  • Guaranteed approval against a Fixed Deposit of ₹20,000 or more.
  • No income documentation or credit score check required for issuance.
  • Very low annual fee of ₹100, which is waived on annual spends of ₹50,000.
  • Earn EDGE Reward points on both domestic and international transactions.

Cons

  • Extremely low reward rate of 0.2% on domestic spends.
  • No premium benefits like airport lounge access or movie discounts.
  • Requires locking up liquidity in a Fixed Deposit to maintain the card.

HDFC Bank Diners Club Black Metal Edition

Pros

  • Unlimited domestic and international lounge access for both primary and add-on cardholders.
  • High base reward rate of 3.33% (5 RP per ₹150) with 1:1 redemption on flights and hotels.
  • Generous quarterly milestone of 10,000 bonus points on ₹4 Lakhs spend.
  • Complimentary annual memberships of Amazon Prime, Swiggy One, and Club Marriott on meeting spend criteria.

Cons

  • Diners Club network acceptance can be lower than Visa/Mastercard in smaller offline stores.
  • No fuel surcharge waiver, which is a downgrade from the plastic version.
  • High annual fee of ₹10,000 with a steep waiver threshold of ₹8 Lakhs.

Our Verdict

HDFC Bank Diners Club Black Metal Edition edges ahead overall with a stronger combination of rewards and value. However, Axis Bank Easy Gold Credit Card could be the better pick if its specific category strengths match your spending habits.

Choose Axis Bank Easy Gold Credit Card if

Ideal for individuals with no credit history or a low score looking to build their CIBIL profile.

Choose HDFC Bank Diners Club Black Metal Edition if

Unlimited global lounge access for self and add-on members plus low forex markup.

Frequently Asked Questions

Which is better: Axis Bank Easy Gold Credit Card or HDFC Bank Diners Club Black Metal Edition?
HDFC Bank Diners Club Black Metal Edition edges ahead overall with a stronger combination of rewards and value. However, Axis Bank Easy Gold Credit Card could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between Axis Bank Easy Gold Credit Card and HDFC Bank Diners Club Black Metal Edition?
Axis Bank Easy Gold Credit Card has an annual fee of ₹100, while HDFC Bank Diners Club Black Metal Edition has an annual fee of ₹10,000. Axis Bank Easy Gold Credit Card offers a fee waiver on ₹50,000 annual spend. HDFC Bank Diners Club Black Metal Edition offers a fee waiver on ₹8,00,000 annual spend.
Which card has better rewards: Axis Bank Easy Gold Credit Card or HDFC Bank Diners Club Black Metal Edition?
Axis Bank Easy Gold Credit Card offers a base reward rate of 0.2%. HDFC Bank Diners Club Black Metal Edition offers 0.9990000000000001% base rewards with bonuses on SmartBuy Hotels and SmartBuy Flights. The better choice depends on your primary spending categories.
Can I have both Axis Bank Easy Gold Credit Card and HDFC Bank Diners Club Black Metal Edition?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Axis Bank Easy Gold Credit Card and HDFC Bank Diners Club Black Metal Edition can complement each other if they cover different reward categories.
Which card is better for beginners: Axis Bank Easy Gold Credit Card or HDFC Bank Diners Club Black Metal Edition?
For beginners, Axis Bank Easy Gold Credit Card may be more approachable with a lower annual fee of ₹100. However, evaluate based on your expected spending pattern rather than fee alone.

Explore More

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