Skip to main content

HDFC Bank Diners Club Privilege Credit Card VS Axis Bank SELECT 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.
Verified
Last updated: 17 July 2026

Both HDFC Bank Diners Club Privilege Credit Card and Axis Bank SELECT Credit Card suit travel-focused spenders, but they earn and cost differently. HDFC Bank Diners Club Privilege Credit Card costs ₹1,000 + GST and earns 4 Reward Points on every Rs.150 retail spends. Up to 10X RP on SmartBuy, 5X RP on Swiggy & Zomato. Axis Bank SELECT Credit Card costs ₹3,000 + GST and earns 10 EDGE points per ₹200 spent; 20 points per ₹200 on retail shopping up to ₹20,000 monthly. HDFC Bank Diners Club Privilege Credit Card also brings 2 complimentary lounge visits per quarter in India, while Axis Bank SELECT Credit Card counters with 2 complimentary domestic lounge visits per quarter on ₹50,000+ spends in previous 3 months (Max 8/year). If premium spending matters more, go with HDFC Bank Diners Club Privilege Credit Card; if shopping is the priority, Axis Bank SELECT Credit Card fits better.

HDFC Bank Diners Club Privilege Credit Card
HDFC Bank Diners Club Privilege Credit Card
Axis Bank SELECT Credit Card
Axis Bank SELECT Credit Card

Fees & Charges

Joining Fee₹1,000 + GST
Joining Fee₹3,000 + GST
Renewal Fee₹1,000 + GST
Renewal Fee₹3,000 + GST
Spend Based WaiverRenewal fee waived for next year on spends of Rs. 3 Lakhs in the card anniversary year.
Spend Based WaiverAnnual fee waived on spends of ₹8 lakh or more in a card anniversary year.
Foreign Transaction FeesA nominal 3.5% on all your foreign currency spends.
Foreign Transaction Fees3.5% of the transaction value.
Interest Rate (APR)3.75% Per Month (equivalent to 45% Per Annum).
Interest Rate (APR)3.75% per month (55.55% annually) for retail purchases and cash.

Rewards & Benefits

Welcome BonusComplimentary annual memberships of Swiggy One and Times Prime on spending ₹75,000 within 90 days.
Welcome BonusGet 10,000 EDGE Reward Points worth ₹2,000 on your first card transaction within 30 days.
Rewards RateEarn 4 Reward Points on every Rs.150 retail spends. Up to 10X RP on SmartBuy, 5X RP on Swiggy & Zomato.
Rewards RateEarn 20 EDGE Points/₹200 on retail shopping (up to ₹20k/month), then 10 EDGE Points/₹200.
Reward TypeReward Points
Reward TypeReward Points
Reward Redemption FeeRs 99 per redemption request (plus applicable taxes).
Reward Redemption Fee₹99 per redemption.

Travel & Lifestyle

Domestic Lounge Access2 complimentary lounge visits per quarter in India.
Domestic Lounge Access2 complimentary domestic airport lounge accesses every quarter on ₹50k spend in previous 3 months.
International Lounge Access2 complimentary lounge visits per quarter worldwide (including international destinations).
International Lounge Access12 complimentary international airport lounge accesses annually with Priority Pass membership.
Travel Benefits2 complimentary airport lounge accesses every quarter worldwide. Up to 10X Rewards on booking flights & hotels via Smartbuy.
Travel Benefits12 complimentary international lounge accesses, 2 domestic lounge accesses/quarter, MakeMyTrip savings.
Movie Benefits'Buy 1 Get 1 Free' on movie/non-movie weekend tickets via BookMyShow (max discount Rs. 250/ticket, up to 2 monthly).
Movie Benefits100% discount on 2nd movie ticket (up to ₹250, twice/month) via District app.
Dining BenefitsEarn 5X Reward Points on Swiggy and Zomato. FLAT 10% EXTRA OFF on dining bills at 35K+ restaurants via Swiggy Dineout.
Dining BenefitsFlat ₹200 off on Swiggy (twice/month) & up to 25% off (up to ₹800) at partner restaurants.
Golf BenefitsNot Applicable
Golf Benefits6 complimentary golf rounds annually, plus 6 more on ₹3 lakh annual spend.
Fuel Surcharge WaiverNot applicable.
Fuel Surcharge Waiver1% waiver for fuel transactions between ₹400-₹4,000, max ₹400 waiver per cycle.

Security & Other

Insurance BenefitsAir accident ₹1 Cr, overseas hospitalization ₹25 Lakhs, travel insurance ₹50k, credit liability ₹9 Lakh.
Insurance BenefitsPurchase Protection up to ₹1 lakh, travel document & baggage delay/loss cover up to USD 500.
Cash Advance Charges2.5% of the withdrawal amount, subject to a minimum charge of Rs 500.
Cash Advance Charges2.5% of cash amount, minimum ₹500.
Apply Now(opens in new tab)
Apply Now(opens in new tab)
Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

HDFC Bank Diners Club Privilege Credit Card

Axis Bank SELECT Credit Card

Who is it for?

HDFC Bank Diners Club Privilege Credit Card is a sub-premium credit card offering a range of rewards and benefits tailored for a premium lifestyle. Cardholders receive complimentary annual memberships to Swiggy One and Times Prime as a welcome benefit upon spending ₹75,000 within the first 90 days. The card provides 4 Reward Points for every ₹150 spent on retail, with accelerated earnings of up to 10x Reward Points on SmartBuy spends and 5x Reward Points on Swiggy and Zomato transactions. Additionally, it offers 'Buy 1 Get 1 Free' on weekend movie/non-movie tickets via BookMyShow and provides complimentary access to over 1,000 airport lounges worldwide.

Who is it for?

The Axis Bank SELECT Credit Card is a versatile sub-premium lifestyle card offering extensive benefits across travel, shopping, dining, and golf. Cardholders enjoy complimentary domestic and international lounge access, accelerated reward points on retail shopping, and exclusive discounts on Swiggy and BigBasket. This card is ideal for individuals seeking a balanced rewards rate alongside premium lifestyle privileges.

Pros

Key benefits and features.

Earn 4 Reward Points per Rs. 150 spent, with accelerated 5x Reward Points on Zomato and Swiggy spends.

Frequent travelers benefit from 8 complimentary domestic and international lounge access per year.

Avail complimentary annual Swiggy One and Times Prime memberships as welcome benefits on eligible spend.

Enjoy 'Buy 1 Get 1 Free' movie/non-movie tickets on weekends via BookMyShow, enhancing entertainment value.

The card offers impressive insurance benefits, including air accident and overseas hospitalization cover.

Pros

Key benefits and features.

Offers extensive lifestyle benefits across dining, shopping, travel, and golf categories.

Provides significant savings with discounts on popular platforms like Swiggy and BigBasket.

Includes valuable complimentary international and domestic airport lounge access.

Generous reward points on retail shopping, maximizing benefits for everyday spends.

Comprehensive insurance benefits provide added security for purchases and travel.

Cons

Key drawbacks and limitations.

The welcome benefit offers of Swiggy One and Times Prime memberships may not be desired by all cardholders.

The annual fee of Rs 1,000 + taxes is relatively higher than some competing credit card options.

A rewards redemption fee of Rs 99 + taxes is applicable for each redemption request.

A foreign currency markup of 3.5% applies to international transactions, which can be quite high.

Interest rates of 3.75% per month (45% annually) can lead to high costs if balances are carried over.

Cons

Key drawbacks and limitations.

The joining and annual fees are relatively high for a sub-premium card.

Welcome benefits are less than the joining fee, reducing initial value for some users.

Reward points are not earned on essential categories like fuel, insurance, and utilities.

Domestic lounge access requires a minimum spend threshold in the preceding quarter.

High foreign currency markup of 3.5% makes international transactions expensive.

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.
Apply for HDFC Bank Diners Club Privilege Credit Card(opens in new tab)Apply for Axis Bank SELECT Credit Card(opens in new tab)