Axis Bank ATLAS Credit Card vs HDFC Diners Club Black
Which card gives you higher value? Compare annual fees, reward rates, lounge access, and milestone perks side-by-side.
Axis Bank
★ 4.8 / 5.0
Axis Bank ATLAS Credit Card
Frequent Travelers & Airline/Hotel Miles Transfers
HDFC Bank
★ 4.5 / 5.0
HDFC Diners Club Black
Premium Luxury, Travel & High Reward Redemption
Side-by-Side Feature Breakdown
Open Interactive Matrix →User Rating
★ 4.8 / 5.0
★ 4.5 / 5.0
Annual Fee
₹5,000 + Taxes
₹10,000 + Taxes
Fee Waiver Condition
Annual renewal fee offset by 2,500 to 10,000 EDGE Miles based on tier
Annual fee waived on ₹8 Lakh annual retail spends
Reward Rate
5 EDGE Miles per ₹100 on travel; 2 EDGE Miles per ₹100 on general spends
5 reward points per ₹150 on retail; up to 10X via HDFC SmartBuy; 2X on weekend dining
Finance APR
3.6% per month (43.2% per annum)
1.99% per month (23.88% per annum)
Welcome Offer
5,000 EDGE Miles upon completing 1st transaction within 30 days
Complimentary Club Marriott, Amazon Prime & Swiggy One membership on joining
Top Perks
- • 5 EDGE Miles per ₹100 spent on travel bookings (Airlines, Hotels, Travel portals)
- • 2 EDGE Miles per ₹100 spent on all other retail transactions
- • 1:2 transfer ratio for miles (1 EDGE Mile = 2 Partner Miles / Points)
- • 8 complimentary domestic lounge visits/year + 4 international lounge visits/year (Silver tier)
- • Unlimited complimentary airport lounge visits worldwide (primary + add-on cardholders)
- • Reduced foreign exchange mark-up fee of 2%
- • Diners Club privileges including priority check-in and luggage assistance
- • Complimentary Club Marriott membership on joining
Best Suited For
Frequent Travelers & Airline/Hotel Miles Transfers
Premium Luxury, Travel & High Reward Redemption