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| Feature | Axis Bank Axis Bank My Zone Credit Card | HDFC Bank HDFC Bank Diners Club Privilege Credit Card |
|---|---|---|
Card essentials Start with pricing, network and the baseline earning rate. | ||
| Issuer | Axis Bank | HDFC Bank |
| Network | Mastercard | Diners Club |
| Annual fee | ₹500 + GST per year | ₹1,000 + GST per year |
| Annual fee waiver | No waiver recorded | At ₹3,00,000 annual spending |
| Base reward rate | 0.4% | 1% |
Reward rate by category Published cashback or estimated reward value for each category. The stronger rate is highlighted. | ||
| Dining & delivery | 0.4% · Eligible EDGE Reward Points | 5% · Additional Swiggy and Zomato rewards |
Limits and access Check caps, eligibility and useful access benefits before deciding. | ||
| Reward caps | No general cap recorded | No general cap recorded |
| RuPay credit card on UPI | Not eligible | Not eligible |
| Airport lounge access | 4 domestic airport lounge visits per year | 8 domestic airport lounge visits per year • 4 international airport lounge visits per year |
| Forex markup | 3.5% | 3.5% |
| Monthly income requirement | Not listed | Approx. ₹35,000/month salaried · ₹50,000/month self-employed |
| Terms verified | 13 Sept 2026 | 13 Sept 2026 |
| Best suited to | Entry-level users who value occasional lounge access and streaming/dining offers over raw cashback %. | Moviegoers and moderate travellers who can route enough quarterly spend to unlock lounge vouchers. |
| Main trade-off | Lounge access requires meeting a prior-quarter spend condition: it isn’t unconditional despite the low fee. | The movie benefit applies only to weekend shows. From July 2026 lounge vouchers require ₹60,000 in the preceding quarter, and Diners Club acceptance can be narrower than Visa or Mastercard. |
| Actions | Full analysisApply ↗ | Full analysisApply ↗ |
Set only your real monthly spending. GainFair calculates annual value after caps, recurring fees and GST. Nothing is prefilled.
