Head-to-head · 🇮🇳 India
HDFC Diners Club Black vs Axis MyZone
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
Premium
HDFC Bank
HDFC Diners Club Black
DINERS CLUB
Wins 4 of 10
IN
Axis Bank
Axis MyZone
VISA
Wins 5 of 10
Verdict
Axis MyZone wins 5-4. Entry-tier with strong entertainment partnerships. HDFC Diners Club Black is still the right call if frequent travelers spending ₹2l+/month.
Side-by-side
| Criterion | HDFC Diners Club Black | Axis MyZone |
|---|---|---|
| Annual fee | · ₹10,000 | ₹500 |
| Joining fee | · ₹10,000 | ₹500 |
| Top reward rate | 33% (travel) | · 1% (general) |
| Base reward rate | 3.3% | · 1% |
| Forex markup | 1.99% | · 3.5% |
| Welcome bonus | = Annual fee waiver + 10,000 reward points | = ₹500 SonyLIV / Eros Now subscription |
| Fee waiver threshold | · ₹500,000 / yr | ₹100,000 / yr |
| Min income | · ₹1,750,000 | ₹240,000 |
| Min credit score | · 800 | 720 |
| Editorial rating | 4.8/5 | · 4/5 |
Benefits compared
HDFC Diners Club Black
- 10x reward points on SmartBuy partners (flights, hotels)
- 6 complimentary international lounge visits per quarter (Priority Pass)
- Unlimited domestic lounge access
- 2 complimentary golf rounds per month at 280+ courses
- Annual memberships: Amazon Prime, Swiggy One, Disney+ Hotstar, Times Prime
- Low forex markup: 2%
Axis MyZone
- Buy-1-get-1 BookMyShow tickets up to ₹500/transaction
- 40% off on Swiggy (capped ₹120)
- Sony LIV / Eros Now annual subscription
- 4 reward points per ₹200
- 1% fuel surcharge waiver
FAQ
›HDFC Diners Club Black vs Axis MyZone: which is better?
Axis MyZone wins on more dimensions (5 vs 4). But the right answer depends on your specific spending pattern — see the calculator below.
›Can I get both?
Yes — if your credit profile supports it, holding both is the optimal play. Use HDFC Diners Club Black for its best categories, Axis MyZone for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
HDFC Diners Club Black: Annual fee waiver + 10,000 reward points. Axis MyZone: ₹500 SonyLIV / Eros Now subscription.