Axis Bank Privilege Credit Card vs HDFC Diners Club Black

• As an activation benefit, avail 12,500 EDGE Reward Points that are redeemable against travel or shopping vouchers worth Rs. 5000 
• Annual fees reversal on achieving spends of Rs. 2.5 Lakhs
• Earn 3000 EDGE REWARD points on credit card renewal 
• By converting the earned EDGE REWARD points to Paytm flight & hotel vouchers worth twice the value, you can double the benefit upon achieving spends milestone of Rs. 2.5 lakh
• Get 20% off at 4000+ partnered restaurants
• Earn Axis EDGE REWARD points for transactions and 500+ rewards and offers to redeem points
• On every Rs 200 spent on the credit card domestically/Internationally earn 10 points
• 2 Complimentary domestic airport lounge access
• Avail Fuel Surcharge Waiver 
• Avail up to Rs. 2.5 crore for Air Accident Cover
• On transactions over Rs. 2500, convert the purchases into EMIs

• Complimentary Annual memberships of Club Marriott, Forbes, Amazon Prime, Swiggy One (3 months) and MMT BLACK   
• Complimentary Ola cabs | cult.fit Live | BookMyShow | TataCliQ vouchers on spends of over Rs. 80,000 every month
• Avail 5 Reward Points for every Rs 150 spent
• Up to 10X Reward Points via SmartBuy
• HDFC Bank x Swiggy Dineout - Good food Trail: Enjoy FLAT 10% EXTRA OFF on dining bills at 35K+ restaurants
• Complimentary Golf games across the finest courses in the world ( 6 per quarter)       
• Travel benefits: Book flight tickets / hotels across 150+  airlines and choice of hotels (Domestic & International) at https://offers.smartbuy.hdfcbank.com/diners
                                       
• Dining privileges includes 2X on weekend dining
• Up to 50 days of interest free credit period on the credit card
• Credit liability cover: Rs. 9 lakh
• Foreign Currency Markup:  2% on all your foreign currency spends
• Revolving Credit is available at a nominal interest rate on the HDFC Bank Diners Club Black Credit Card
• 24/7 Concierge Services
• Unlimited Airport lounge access to 1000+ Lounges in India and worldwide for primary and add-on card members
• 1% fuel surcharge waiver at all fuel stations in India on minimum transaction of Rs. 400 and Max CashBack of Rs. 1000 per statement cycle
• Milestone Benefit: As the milestone benefit the credit card holders can select any 2 benefits amongst cult.fit Live 1 month membership or BookMyShow or TataCLiQ or Ola cabs vouchers worth Rs. 500 every month on spends of Rs. 80,000
• Annual Spend based benefit: Complimentary annual memberships of Club Marriott, Forbes, Amazon Prime, Swiggy One (3 months), MMT BLACK can also be availed upon achieving annual spend of Rs 8 Lakhs at the time of card anniversary
• HDFC Bank Diners Club Black Credit Card comes with an option to convert big spends into EMI after purchase
• Contactless Payment

Pros

• Milestone and Activation benefits
• Complimentary Airport Lounge Access
• Annual Fee is Low

Cons 

• No complimentary Golf lessons
• Annual interest rate is too high
• The total benefits on the Axis Bank Signature Credit card with Lifestyle Benefits is approx more than Rs. 33,000, whereas the total benefits on the Axis Bank Privilege Credit Card is approx more than 27600 

Pros

• Air accident insurance cover worth Rs 2 crore
• Emergency overseas hospitalization: Rs. 50 Lakh
• Travel Insurance Cover of up to Rs. 55,000 on baggage delay                                                               
• Credit Liability Cover of up to Rs. 9 Lakh
• Diners Exclusive Offers: Fast Track Airport Experience, Dining Delight (exclusive dining offers, from gourmet cuisine to local delicacies), Luxury Spas access, and Small Medium Enterprise (SME), which is tailor-made offers such as workspaces, business insurance and wellness discounts to meet business needs

Cons

• Joining and renewal fee is on the higher side