What are the annual fees for Axis Bank Atlas Credit Card and HDFC Bank Diners Club Black Metal Edition Credit Card?

Axis Bank Atlas Credit Card has ₹5,000 + GST. HDFC Bank Diners Club Black Metal Edition Credit Card has ₹10,000 + GST. Fees are shown before 18% GST, which is added on the bill.

What base reward rate does each card earn?

Axis Bank Atlas Credit Card earns about 2% on general spends; HDFC Bank Diners Club Black Metal Edition Credit Card earns about 1.665%. Category and partner rates may differ — see the table above.

What is the forex markup on each card?

Axis Bank Atlas Credit Card: 3.5%. HDFC Bank Diners Club Black Metal Edition Credit Card: 2% (plus 18% GST on the markup).

Do both cards include airport lounge access?

Axis Bank Atlas Credit Card: yes — see the lounge row above for limits. HDFC Bank Diners Club Black Metal Edition Credit Card: yes — see the lounge row above for limits.

Card Comparison

Axis Atlas vs HDFC Diners Club Black Metal Edition

Axis Atlas vs HDFC Diners Club Black Metal Editioncompared side by side on fees, reward rates, caps, exclusions, and eligibility — weigh each against how you actually spend.

Axis Bank Atlas

Axis Bank

Fee₹5,000+GST

Eff. rate2%

CapCategory

Fee

₹5,000+GST

Eff. rate

Cap

How they compare

Axis Atlas and HDFC Diners Club Black Metal Edition suit different spending patterns, so the right pick depends on where and how much you spend. The key difference: 2% vs 1.665% effective rate. Use the table below to weigh fees, reward rates, caps, and exclusions against your own usage.

At a glance

Axis Atlas

Annual fee: ₹5,000 + GST
Everyday rate: 2%
Monthly cap: No cap

Notable strengths

No monthly reward cap

HDFC Diners Club Black Metal Edition

Annual fee: ₹10,000 + GST
Everyday rate: 1.7%
Monthly cap: ₹75,000/mo

Notable strengths

Flat rewards on every spend

Each card's own strengths — not a ranking. Weigh them against where you actually spend.

45 specs · 12 sections

Axis Bank Atlas

HDFC Bank Diners Club Black Metal Edition

Feature

Axis Bank Atlas

HDFC Bank Diners Club Black Metal Edition

Annual Fee

₹5,000

₹10,000

Joining Fee

₹5,000

₹10,000

Fee Waiver Spend

N/A

₹8,00,000

Forex Markup

3.5%

Reward Type

EDGE Miles

Reward Points

Base Rate

1.67%

Online Rate

—

Offline Rate

—

Effective Base Rate

1.67%

Point Value

₹1

₹0.5

Redemption Quality

HIGH

Best Redemption

₹1

Worst Redemption

₹0.25

₹0.3

Grocery / Supermarkets

1.67%

Fuel / Petrol / Diesel / CNG

0% (Excluded)

Restaurants / Dine-in

1.67%

Flights, Hotels, OTAs, Tour Operators

1.67%

Other Retail / Catch-all

1.67%

Monthly Cap

Category caps apply

₹75,000

Est. Annual Cap

Category caps apply

₹9,00,000

Total Excluded

6 categories

Electricity, Water, Gas, Internet, DTH, Mobile Recharge

Excluded

Earns rewards

Insurance Premiums

Excluded

Earns rewards

Education / School / College Fees

Earns rewards

Excluded

EMI Transactions

Earns rewards

Excluded

Domestic Visits/Year

-1

International Visits/Year

-1

Priority Pass

Yes

Est. Annual Value

₹6,820

₹10,230

Forex Markup

3.5%

Description

2,500 EDGE Miles on first transaction within 37 days of card issuance (for cards sourced from April 20, 2024 onwards)

Complimentary annual memberships of Club Marriott, Amazon Prime and Swiggy One on achieving net retail spends of ₹1,50,000 within 90 days of card issuance (per MITC, all three are annual memberships).

Estimated Value

₹2,500

₹7,600

Fuel Surcharge Waiver

Yes

Best Suited For

Travel, Airline Miles

Travel, Dining, Shopping

Min Income

₹1,00,000/month

₹2,50,000/month

Income Proof

Required

Secured FD

Accepting Applications

Yes

Network

Visa

Diners Club

Card Tier

Premium

Super Premium

Still weighing your options?

Other popular matchups to line up against your shortlist.

Frequently asked questions

What are the annual fees for Axis Bank Atlas Credit Card and HDFC Bank Diners Club Black Metal Edition Credit Card?: Axis Bank Atlas Credit Card has ₹5,000 + GST. HDFC Bank Diners Club Black Metal Edition Credit Card has ₹10,000 + GST. Fees are shown before 18% GST, which is added on the bill.
What base reward rate does each card earn?: Axis Bank Atlas Credit Card earns about 2% on general spends; HDFC Bank Diners Club Black Metal Edition Credit Card earns about 1.665%. Category and partner rates may differ — see the table above.
What is the forex markup on each card?: Axis Bank Atlas Credit Card: 3.5%. HDFC Bank Diners Club Black Metal Edition Credit Card: 2% (plus 18% GST on the markup).
Do both cards include airport lounge access?: Axis Bank Atlas Credit Card: yes — see the lounge row above for limits. HDFC Bank Diners Club Black Metal Edition Credit Card: yes — see the lounge row above for limits.

Reviewed by WhichWise Editorial Team. Each card's data is verified against the issuer's official terms.

Sources: Axis Bank - Axis Atlas · HDFC Bank - HDFC Diners Club Black Metal Edition