Axis Magnus vs HDFC Diners Club Metal Edition
Full side-by-side comparison based on verified card data. Updated April 2026.
Quick Verdict
HDFC Diners Club Metal Edition wins 4 of 8 dimensions with a CardTrail Score of 8.9/10 vs 7.4/10.
| Feature | Axis Magnus | HDFC Diners Club Metal Edition |
|---|---|---|
| CardTrail Score | 7.4/10 | 8.9/10 |
| Annual Fee | ₹12,500 | ₹10,000 |
| Base Reward Rate | 1.2% | 3.3% |
| Max Reward Rate | 6% | 33% |
| Forex Markup | 2% | 2% |
| Domestic Lounges | -1 | -1 |
| International Lounges | -1 | -1 |
| Fuel Surcharge Waiver | Yes | Yes |
| Network | Visa Infinite | Diners Club |
When to Choose Axis Magnus
- You can meet the fee waiver condition: Spend Rs 25L in preceding year (excludes insurance, gold, fuel spends)
- Your primary spend is: travel, high-spender, forex-spend
When to Choose HDFC Diners Club Metal Edition
- You can meet the fee waiver condition: Spend ₹8L/year
- You want higher rewards — up to 33% vs 6%
- Your primary spend is: travel, luxury, high-spender
Annual Fee Value Analysis
To break even on Axis Magnus's ₹12,500 fee at 1.2% rewards, spend ₹86,806/month.
To break even on HDFC Diners Club Metal Edition's ₹10,000 fee at 3.3% rewards, spend ₹25,253/month.