Axis Bank Olympus vs HDFC Diners Club Black
Full side-by-side comparison based on verified card data. Updated April 2026.
Quick Verdict
HDFC Diners Club Black wins 4 of 8 dimensions with a CardTrail Score of 9.1/10 vs 8.6/10.
| Feature | Axis Bank Olympus | HDFC Diners Club Black |
|---|---|---|
| CardTrail Score | 8.6/10 | 9.1/10 |
| Annual Fee | ₹20,000 | ₹10,000 |
| Base Reward Rate | 2% | 3.3% |
| Max Reward Rate | 5% | 33% |
| Forex Markup | Zero | 1.99% |
| Domestic Lounges | -1 | -1 |
| International Lounges | -1 | -1 |
| Fuel Surcharge Waiver | Yes | Yes |
| Network | Visa Infinite | Diners Club |
When to Choose Axis Bank Olympus
- You can meet the fee waiver condition: Spend ₹15L/year
- You travel internationally — saves ₹1,990/year on ₹1L forex spend
- Your primary spend is: travel, luxury
When to Choose HDFC Diners Club Black
- You can meet the fee waiver condition: Spend ₹5L/year
- You want higher rewards — up to 33% vs 5%
- Your primary spend is: travel, luxury, dining
Forex Cost Comparison
On ₹1,00,000 annual international spending: Axis Bank Olympus costs ₹0 in forex fees vs HDFC Diners Club Black at ₹2,348. You save ₹2,348/year with Axis Bank Olympus.
Annual Fee Value Analysis
To break even on Axis Bank Olympus's ₹20,000 fee at 2% rewards, spend ₹83,333/month.
To break even on HDFC Diners Club Black's ₹10,000 fee at 3.3% rewards, spend ₹25,253/month.