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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.

Features

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
₹3,000 + GST
Renewal Fee
₹1,000 + GST
₹3,000 + GST
Spend Based Waiver
Renewal fee waived for next year on spends of Rs. 3 Lakhs in the card anniversary year.
Annual fee waiver on spending ₹8 lakhs in a card anniversary year.
Foreign Transaction Fees
A nominal 3.5% on all your foreign currency spends.
3.50% of the transaction value.
Interest Rate (APR)
3.75% Per Month (equivalent to 45% Per Annum).
3.75% per month (55.55% per annum) on retail purchases & cash.

Rewards & Benefits

Welcome Bonus
Complimentary annual memberships of Swiggy One and Times Prime on spending ₹75,000 within 90 days.
Get 10,000 EDGE REWARD Points worth ₹2,000 on your first card transaction within 30 days of card issuance.
Rewards Rate
Earn 4 Reward Points on every Rs.150 retail spends. Up to 10X RP on SmartBuy, 5X RP on Swiggy & Zomato.
Earn 10 EDGE points per ₹200 spent; 20 points per ₹200 on retail shopping up to ₹20,000 monthly.
Reward Type
Reward Points
Reward Points
Reward Redemption Fee
Rs 99 per redemption request (plus applicable taxes).
₹99 per reward redemption.

Travel & Lifestyle

Domestic Lounge Access
2 complimentary lounge visits per quarter in India.
2 complimentary domestic lounge visits per quarter on ₹50,000+ spends in previous 3 months (Max 8/year).
International Lounge Access
2 complimentary lounge visits per quarter worldwide (including international destinations).
Up to 12 complimentary international airport lounge accesses annually via Priority Pass Membership.
Travel Benefits
2 complimentary airport lounge accesses every quarter worldwide. Up to 10X Rewards on booking flights & hotels via Smartbuy.
Complimentary domestic & international lounge access. Travel insurance up to USD 500 for baggage & documents.
Movie Benefits
'Buy 1 Get 1 Free' on movie/non-movie weekend tickets via BookMyShow (max discount Rs. 250/ticket, up to 2 monthly).
Get 100% discount on 2nd movie ticket via District app, up to ₹250, twice monthly. Code: AXISSELECT.
Dining Benefits
Earn 5X Reward Points on Swiggy and Zomato. FLAT 10% EXTRA OFF on dining bills at 35K+ restaurants via Swiggy Dineout.
Up to 25% discount, up to ₹800, at partner restaurants via Axis Bank Dining Delights Program.
Golf Benefits
Not Applicable
6 complimentary golf rounds per year; additional 6 rounds on ₹3 Lakhs annual spend milestone.
Fuel Surcharge Waiver
Not applicable.
1% fuel surcharge waiver (transactions ₹400-₹4000), capped at ₹400 per statement cycle.

Security & Other

Insurance Benefits
Air accident ₹1 Cr, overseas hospitalization ₹25 Lakhs, travel insurance ₹50k, credit liability ₹9 Lakh.
Purchase protection up to ₹1 Lakh. Travel insurance (USD 500) for lost documents/baggage.
Cash Advance Charges
2.5% of the withdrawal amount, subject to a minimum charge of Rs 500.
2.5% of cash amount (Minimum ₹500).
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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 lifestyle card, offering extensive benefits across shopping, travel, and dining. It provides accelerated EDGE Reward Points, discounts on platforms like Swiggy and BigBasket, and complimentary domestic & international lounge access. With valuable golf privileges, comprehensive insurance, and milestone rewards including an annual fee waiver, it's ideal for those seeking a premium and rewarding credit card experience.

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.

Enjoy ₹200 off twice monthly on Swiggy and significant discounts on BigBasket shopping.

Access 12 complimentary international airport lounges annually through Priority Pass membership.

Benefit from comprehensive insurance cover, including purchase protection and travel insurance.

Achieve annual fee waiver and bonus reward points with substantial milestone spending.

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.

No reward points are earned on fuel transactions made with the Axis Bank Select Credit Card.

The initial joining fee of ₹3,000 + GST is not fully offset by the ₹2,000 welcome benefit.

Reward points are not earned on key categories such as rent, insurance, and utility payments.

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.