Vyaya
Side-by-Side Comparison|Updated March 2026

HDFC Bank Diners Club Black Metal Edition vs Axis Bank ACE Credit Card

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

HDFC Bank

HDFC Bank Diners Club Black Metal Edition

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

Axis Bank

Axis Bank ACE Credit Card

8.5/10
Annual Fee₹499
Base Rewards1%
NetworkVisa
View Full Details

Feature-by-Feature Comparison

FeatureHDFC Bank Diners Club Black Metal EditionAxis Bank ACE Credit Card
Annual Fee₹10,000₹499
Joining Fee₹10,000₹499
Fee Waiver Spend₹8,00,000₹2,00,000
Base Reward Rate0.9990000000000001%1%
Reward CurrencyReward PointsCashback
NetworkDiners ClubVisa
Editor Rating9.2/108.5/10
Forex Markup3.5%3.5%

Accelerated Rewards

HDFC Bank Diners Club Black Metal Edition

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

Axis Bank ACE Credit Card

No accelerated rewards listed

Pros & Cons

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.

Axis Bank ACE Credit Card

Pros

  • 5% cashback on utility bills and recharges via Google Pay (Android only)
  • 4% cashback on Swiggy, Zomato, and Ola with no individual merchant capping
  • Flat 1.5% uncapped cashback on all other eligible spends
  • Complimentary domestic lounge access (4 visits per year)

Cons

  • Combined monthly capping of ₹500 on 5% and 4% cashback categories
  • Lounge access requires a minimum spend of ₹50,000 in the previous 3 months
  • 5% utility cashback is restricted to Google Pay on Android devices

Our Verdict

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

Choose HDFC Bank Diners Club Black Metal Edition if

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

Choose Axis Bank ACE Credit Card if

Highest cashback rate in the market for electricity, gas, and internet bills via GPay.

Frequently Asked Questions

Which is better: HDFC Bank Diners Club Black Metal Edition or Axis Bank ACE Credit Card?
HDFC Bank Diners Club Black Metal Edition edges ahead overall with a stronger combination of rewards and value. However, Axis Bank ACE Credit Card could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between HDFC Bank Diners Club Black Metal Edition and Axis Bank ACE Credit Card?
HDFC Bank Diners Club Black Metal Edition has an annual fee of ₹10,000, while Axis Bank ACE Credit Card has an annual fee of ₹499. HDFC Bank Diners Club Black Metal Edition offers a fee waiver on ₹8,00,000 annual spend. Axis Bank ACE Credit Card offers a fee waiver on ₹2,00,000 annual spend.
Which card has better rewards: HDFC Bank Diners Club Black Metal Edition or Axis Bank ACE Credit Card?
HDFC Bank Diners Club Black Metal Edition offers a base reward rate of 0.9990000000000001% with accelerated rewards on SmartBuy Hotels and SmartBuy Flights. Axis Bank ACE Credit Card offers 1% base rewards. The better choice depends on your primary spending categories.
Can I have both HDFC Bank Diners Club Black Metal Edition and Axis Bank ACE Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. HDFC Bank Diners Club Black Metal Edition and Axis Bank ACE Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: HDFC Bank Diners Club Black Metal Edition or Axis Bank ACE Credit Card?
For beginners, Axis Bank ACE Credit Card may be more approachable with a lower annual fee of ₹499. However, evaluate based on your expected spending pattern rather than fee alone.

Related Comparisons

HDFC Bank Diners Club Black Metal Edition vs Axis Bank - Flipkart Axis Bank Credit CardAxis Bank ACE Credit Card vs Axis Bank - Flipkart Axis Bank Credit CardHDFC Bank Diners Club Black Metal Edition vs Amazon Pay ICICI Bank Credit CardAxis Bank ACE Credit Card vs Amazon Pay ICICI Bank Credit Card

Explore More

HDFC Bank Diners Club Black Metal Edition Full ReviewAxis Bank ACE Credit Card Full ReviewAll HDFC Bank CardsAll Axis Bank CardsBrowse All Credit CardsCredit Card Guides & Tips