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Axis Bank Magnus Credit Card VS HDFC Bank Diners Club Black Metal Edition Credit Card

A detailed, side-by-side look at 2 leading credit cards. Analyze the features that matter most to you and make an informed choice.
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Last updated: 17 July 2026

Both Axis Bank Magnus Credit Card and HDFC Bank Diners Club Black Metal Edition Credit Card suit travel-focused spenders, but they earn and cost differently. Axis Bank Magnus Credit Card costs ₹12,500 + GST and earns 12 EDGE RPs per ₹200 on retail spends up to ₹1.5L/month, then 35 RPs. 60 RPs per ₹200 on Travel EDGE Portal. HDFC Bank Diners Club Black Metal Edition Credit Card costs ₹10,000 + GST and earns 5 Reward Points for every ₹150 retail spend; up to 10X via SmartBuy & 2X on weekend dining. Axis Bank Magnus Credit Card also brings unlimited complimentary domestic airport lounge access (spend ₹50,000 in preceding 3 months), while HDFC Bank Diners Club Black Metal Edition Credit Card counters with unlimited complimentary airport lounge visits across India for primary and add-on card members. If premium spending matters more, go with Axis Bank Magnus Credit Card; if dining is the priority, HDFC Bank Diners Club Black Metal Edition Credit Card fits better.

Axis Bank Magnus Credit Card
Axis Bank Magnus Credit Card
HDFC Bank Diners Club Black Metal Edition Credit Card
HDFC Bank Diners Club Black Metal Edition Credit Card

Fees & Charges

Joining Fee₹12,500 + GST
Joining Fee₹10,000 + GST
Renewal Fee₹12,500 + GST
Renewal Fee₹10,000 + GST
Spend Based WaiverAnnual membership fee waived on expenditure of ₹25 Lakhs or more in the preceding anniversary year (₹30 Lakhs for Burgundy variant).
Spend Based WaiverRenewal fee waived on spending ₹8 Lakhs in 12 months for the subsequent renewal year.
Foreign Transaction Fees2% of the total transaction amount.
Foreign Transaction Fees2% markup on all foreign currency spends; billed within 60 days from settlement date.
Interest Rate (APR)3.0% per month (42.58% annually) on extended credit.
Interest Rate (APR)1.99% monthly interest rate, equating to 23.88% annually on outstanding balances.

Rewards & Benefits

Welcome BonusChoose any one gift voucher worth ₹12,500 from Luxe, Yatra, or Postcard Hotels.
Welcome BonusComplimentary annual memberships to Club Marriott, Amazon Prime, and Swiggy One on ₹1.5L spend.
Rewards Rate12 EDGE RPs per ₹200 on retail spends up to ₹1.5L/month, then 35 RPs. 60 RPs per ₹200 on Travel EDGE Portal.
Rewards RateEarn 5 Reward Points for every ₹150 retail spend; up to 10X via SmartBuy & 2X on weekend dining.
Reward TypeReward Points
Reward TypeReward Points
Reward Redemption FeeNil
Reward Redemption FeeNot Applicable

Travel & Lifestyle

Domestic Lounge AccessUnlimited complimentary domestic airport lounge access (spend ₹50,000 in preceding 3 months). 4 complimentary guest visits annually.
Domestic Lounge AccessUnlimited complimentary airport lounge visits across India for primary and add-on card members.
International Lounge AccessUnlimited complimentary international airport lounge access with Priority Pass membership. 4 complimentary guest visits annually.
International Lounge AccessUnlimited complimentary airport lounge visits across the world for primary and add-on card members.
Travel BenefitsUnlimited complimentary domestic and international airport lounge access. Discounted stays at Oberoi and Leela Palace Hotels.
Travel BenefitsUnlimited domestic & international lounge access. Comprehensive travel insurance and concierge services.
Movie Benefits
Movie BenefitsAmazon Prime membership provides access to ad-free entertainment with Prime Video.
Dining Benefits15% discount (up to ₹1,000 via Eazydiner) at over 4,000 restaurants under Axis Dining Delights.
Dining BenefitsEnjoy 2X points on weekend dining & flat 10% off at 35,000+ restaurants with Swiggy Dineout.
Golf Benefits4 complimentary rounds of green fees per calendar year (max 1 per month) via Mastercard World Program.
Golf Benefits6 complimentary golf games every quarter (24 annually) across finest courses worldwide.
Fuel Surcharge Waiver1% fuel surcharge waived for transactions between ₹400 and ₹4,000. Max waiver ₹400 per month.
Fuel Surcharge WaiverNot Applicable

Security & Other

Insurance BenefitsCredit Shield protection worth ₹5 Lakh, Purchase protection worth ₹2 Lakh, Lost/Delayed Baggage coverage of $500.
Insurance Benefits₹2 Cr air accident cover, ₹50L overseas hospitalization, ₹55K baggage delay & ₹9L credit liability.
Cash Advance ChargesNil (interest charges are applicable).
Cash Advance Charges2.5% of total amount or ₹500, whichever is higher, for cash withdrawals.
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

Axis Bank Magnus Credit Card

HDFC Bank Diners Club Black Metal Edition Credit Card

Who is it for?

The Axis Bank Magnus Credit Card is a super-premium offering designed for high-income individuals seeking a luxurious lifestyle. It provides extensive travel benefits, including unlimited domestic and international airport lounge access, and a competitive 2% foreign currency markup. Cardholders enjoy a robust rewards program with accelerated earnings on travel and dining discounts. With comprehensive insurance and an annual fee waiver based on spending, it's ideal for those who frequently travel and spend big.

Who is it for?

The HDFC Bank Diners Club Black Metal Edition Credit Card is a luxurious, feature-rich premium offering from HDFC Bank, designed for high-spenders seeking a comprehensive lifestyle upgrade. It provides unlimited international and domestic lounge access, 24 complimentary golf games annually, and strong reward earning potential on various spends. This card excels in travel, dining, and shopping benefits, making it a powerful contender in the high-end credit card market.

Pros

Key benefits and features.

Unlimited international and domestic lounge access for primary and add-on cardholders.

Reduced foreign currency markup fee of 2% makes international spends more economical.

Comprehensive insurance benefits including Credit Shield cover and purchase protection.

Lifetime Free option for eligible Axis Bank Burgundy Salary Account holders.

The Burgundy variant offers an improved 5:4 reward point transfer ratio for travel.

Pros

Key benefits and features.

Unlimited international and domestic lounge access for primary and add-on cardholders.

Enjoy 6 complimentary golf games each quarter across finest courses globally (24 annually).

Generous welcome benefits including annual memberships to Club Marriott, Amazon Prime, and Swiggy One.

Strong reward point earning potential, especially on SmartBuy and weekend dining expenditures.

Comprehensive insurance covers like air accidents, overseas hospitalization, and baggage delay.

Cons

Key drawbacks and limitations.

High annual income requirement of ₹24 Lakhs makes it inaccessible for many applicants.

No golf benefits are explicitly listed in the main product details, unlike other premium cards.

Several benefits like movie BOGO offers and concierge services have been removed recently.

Cons

Key drawbacks and limitations.

The joining fee of ₹10,000 plus taxes may be considered high for many premium card users.

Renewal fee waiver requires a substantial annual spend of ₹8 Lakhs, challenging for some.

Diners Club cards can sometimes face acceptability issues with certain merchants in India.

How We Compare These Cards

Every comparison on CardsForYou is built from the same verified data set we use across the site - joining and renewal fees, reward rates, forex markup, lounge access, and insurance benefits - sourced directly from each issuer and refreshed regularly. We highlight the lower-cost option on fees automatically, but "best" always depends on your own spending pattern: a card that wins on annual fee may lose on reward rate for a heavy spender, and vice versa. Use the table above alongside your own typical monthly spend to judge real value, not just the headline numbers.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.
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