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Side-by-Side Comparison|Updated March 2026

HDFC Bank Diners Club Black Metal Edition vs Axis Bank My Zone 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
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Axis Bank

Axis Bank My Zone Credit Card

7.2/10
Annual Fee₹500
Base Rewards0.2%
NetworkVisa
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Feature-by-Feature Comparison

FeatureHDFC Bank Diners Club Black Metal EditionAxis Bank My Zone Credit Card
Annual Fee₹10,000₹500
Joining Fee₹10,000₹500
Fee Waiver Spend₹8,00,000N/A
Base Reward Rate0.9990000000000001%0.2%
Reward CurrencyReward PointsEDGE Reward Points
NetworkDiners ClubVisa
Editor Rating9.2/107.2/10
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 My Zone 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 My Zone Credit Card

Pros

  • Complimentary SonyLIV Premium annual subscription worth ₹999 on first spend.
  • Buy One Get One (BOGO) offer on movie tickets via District app, up to ₹200/month.
  • Flat ₹120 discount on Swiggy orders twice a month on minimum spend of ₹500.
  • Up to ₹1,000 off on Ajio for select styles on minimum spend of ₹2,999.

Cons

  • Low base reward rate of 0.4% (4 points per ₹200).
  • Domestic lounge access requires a high spend of ₹50,000 in the previous quarter.
  • Many exclusions for reward points including fuel, utilities, and rent.

Our Verdict

HDFC Bank Diners Club Black Metal Edition edges ahead overall with a stronger combination of rewards and value. However, Axis Bank My Zone 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 My Zone Credit Card if

Strong benefits for OTT subscriptions and movie ticket discounts.

Frequently Asked Questions

Which is better: HDFC Bank Diners Club Black Metal Edition or Axis Bank My Zone Credit Card?
HDFC Bank Diners Club Black Metal Edition edges ahead overall with a stronger combination of rewards and value. However, Axis Bank My Zone 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 My Zone Credit Card?
HDFC Bank Diners Club Black Metal Edition has an annual fee of ₹10,000, while Axis Bank My Zone Credit Card has an annual fee of ₹500. HDFC Bank Diners Club Black Metal Edition offers a fee waiver on ₹8,00,000 annual spend.
Which card has better rewards: HDFC Bank Diners Club Black Metal Edition or Axis Bank My Zone 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 My Zone Credit Card offers 0.2% 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 My Zone 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 My Zone 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 My Zone Credit Card?
For beginners, Axis Bank My Zone Credit Card may be more approachable with a lower annual fee of ₹500. However, evaluate based on your expected spending pattern rather than fee alone.

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