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Axis Bank My Zone vs HDFC Diners Privilege

A head-to-head comparison of Axis Bank My Zone and HDFC Diners Privilege across fees, rewards, and spending categories to help you decide which card suits your wallet better.

Dining & MoviesCard A
Annual Fee
Lifetime Free
Reward Rate
BOGO on Movies
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Dining & MoviesCard B

HDFC Diners Privilege

Weekend Socializers

Annual Fee
₹1,000
Reward Rate
10X via SmartBuy; 5X on Swiggy/Zomato
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Feature comparison

FeatureAxis BankHDFC Diners
Annual FeeFree year 1; ₹500 from year 2 onwards₹1,000 + GST (Waived on ₹3L spend)
Reward RateBOGO on Movies10X via SmartBuy; 5X on Swiggy/Zomato
Best ForMovie BuffsWeekend Socializers
First-Card Friendly
Lounge Access
Zero Forex Markup

Spending category coverage

Which categories does each card reward?

CategoryAxis BankHDFC Diners
Dining
Movies & entertainment
Subscriptions
Airport lounge access

Quick verdict

Choose Axis Bank My Zone if:

  • Lower annual fee (₹Nil vs ₹1,000)
  • This is your first credit card

Choose HDFC Diners Privilege if:

  • You spend heavily on airport lounge access

Full pros & cons

Axis Bank My Zone

What's good
  • BOGO free movie tickets every month via Paytm Movies and District app
  • Free SonyLIV Premium annual subscription
  • Up to ₹120 discount on Swiggy orders (code AXIS120)
Watch out for
  • Low base reward rate on everyday non-entertainment spends
  • Movie BOGO benefit capped at ₹200 per month
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HDFC Diners Privilege

What's good
  • Free Swiggy One & Times Prime membership on reaching milestone spend
  • Buy 1 Get 1 on BookMyShow movies every weekend (max ₹250/ticket, 2 free/month)
  • Lounge access: 2 domestic + 1 international per quarter on ₹60,000+ quarterly spend (effective July 2026)
Watch out for
  • Diners Club network acceptance is limited at smaller offline merchants
  • Reward rate devalued from 4 RP per ₹150 to 4 RP per ₹200 (effective May 15, 2026 — ~25% cut)
  • Best discounts only available on weekends via Dineout
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