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Side-by-Side Comparison|Updated March 2026

Samsung Axis Bank Infinite 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

Samsung Axis Bank Infinite Credit Card

8.2/10
Annual Fee₹5,000
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

FeatureSamsung Axis Bank Infinite Credit CardHDFC Bank Diners Club Black Metal Edition
Annual Fee₹5,000₹10,000
Joining Fee₹5,000₹10,000
Fee Waiver Spend₹7,00,000₹8,00,000
Base Reward Rate0.2%0.9990000000000001%
Reward CurrencyEdge Reward PointsReward Points
NetworkVisaDiners Club
Editor Rating8.2/109.2/10
Forex Markup3.5%3.5%

Accelerated Rewards

Samsung Axis Bank Infinite Credit Card

  • 0% on Preferred Partners (Zomato,...
  • 0% on International Spends
  • 0% on Other Domestic Spends

HDFC Bank Diners Club Black Metal Edition

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

Pros & Cons

Samsung Axis Bank Infinite Credit Card

Pros

  • Flat 10% cashback on Samsung products (Smartphones, TVs, Appliances) throughout the year.
  • High reward rate of 15 Edge Points per ₹100 on international spends and preferred partners like Zomato and Myntra.
  • Generous welcome benefit of 30,000 Edge Reward Points worth ₹6,000.
  • Comprehensive lounge access with 8 domestic and 6 international visits annually.

Cons

  • Samsung cashback is capped at ₹5,000 per month and ₹20,000 per year.
  • High annual fee of ₹5,000 with a steep waiver threshold of ₹7 Lakhs.
  • Domestic lounge access is subject to a minimum spend of ₹50,000 in the previous 3 months.

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, Samsung Axis Bank Infinite Credit Card could be the better pick if its specific category strengths match your spending habits.

Choose Samsung Axis Bank Infinite Credit Card if

Best-in-class 10% cashback on all Samsung ecosystem purchases including EMI transactions.

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: Samsung Axis Bank Infinite 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, Samsung Axis Bank Infinite Credit Card could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between Samsung Axis Bank Infinite Credit Card and HDFC Bank Diners Club Black Metal Edition?
Samsung Axis Bank Infinite Credit Card has an annual fee of ₹5,000, while HDFC Bank Diners Club Black Metal Edition has an annual fee of ₹10,000. Samsung Axis Bank Infinite Credit Card offers a fee waiver on ₹7,00,000 annual spend. HDFC Bank Diners Club Black Metal Edition offers a fee waiver on ₹8,00,000 annual spend.
Which card has better rewards: Samsung Axis Bank Infinite Credit Card or HDFC Bank Diners Club Black Metal Edition?
Samsung Axis Bank Infinite Credit Card offers a base reward rate of 0.2% with accelerated rewards on Preferred Partners (Zomato,... and International Spends. 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 Samsung Axis Bank Infinite Credit Card and HDFC Bank Diners Club Black Metal Edition?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Samsung Axis Bank Infinite 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: Samsung Axis Bank Infinite Credit Card or HDFC Bank Diners Club Black Metal Edition?
For beginners, Samsung Axis Bank Infinite Credit Card may be more approachable with a lower annual fee of ₹5,000. However, evaluate based on your expected spending pattern rather than fee alone.

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