Scapia Axis Bank vs Diners Club Black Metal Edition

Reviewed by Chandan Kumar Dash

Scapia Axis Bank has the lower annual fee (Free against ₹10,000). Scapia Axis Bank has no spend waiver; Diners Club Black Metal Edition waives its fee on ₹8,00,000 of spend a year. For spends abroad, Scapia Axis Bank charges the lower forex markup (0% plus GST). Which one earns more depends on where you spend. The Saifu app works it out on your own spends, on your phone.

Feature	Scapia Axis BankAxis3 wins · ahead	Diners Club Black Metal EditionHDFC0 wins
Annual fee	LowerFree	₹10,000
Joining fee	LowerFree	₹10,000
Fee waiver	No fee to waive	Waived on ₹8,00,000 spend a year
Rewards	20% rewards on travel bookings on the Scapia app; 10% rewards on daily spends; zero forex markup; unlimited domestic lounge access	2X rewards on weekend dining; 6 complimentary golf games per quarter
Airport lounges	unlimited domestic	unlimited domestic, unlimited international
Forex markup	Lower0% plus GST	2% plus GST
Points	Scapia Coins, about ₹0.2 a point	Reward Points, about ₹0.3 a point
Published minimum income and age	age 18 to 70	Salaried ₹30,00,000 a year, self-employed ₹30,00,000 a year, age 21 to 60
Network	Mastercard / RuPay	Diners Club
Apply	ApplyAffiliate link	ApplyAffiliate link

Badges mark the lower fee, waiver spend or markup, and more lounge visits. Rewards are not scored here because they depend on where you spend. Affiliate link, costs you nothing extra, we may earn a commission, never changes how cards are ranked. Figures come from each bank's page and can change; check before you apply.

Common questions

Which has the lower annual fee?

Scapia Axis Bank (Free against ₹10,000). Diners Club Black Metal Edition waives it on ₹8,00,000 of spend a year.

Add a third card Scapia Axis Bank Diners Club Black Metal Edition

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