Verified 2026 Bank MITC Rules & RBI ExclusionsUpdated: 2026-03-01
Ixigo AU Credit Card vs HDFC Diners Club Black Metal Edition for ₹15,000 Monthly Spend
Comparing Ixigo AU Credit Card vs HDFC Diners Club Black Metal Edition at ₹15,000/month. Ixigo AU Credit Card wins, delivering ₹3,082 net annual value (1.71% ROI) vs ₹-972 for HDFC Diners Club Black Metal Edition.
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₹15,000(₹1,80,000/yr)
₹10,000/mo₹1,00,000/mo₹2,50,000/mo
Winner at ₹15,000/mo+ ₹4,055/yr Higher Value
Ixigo AU Credit Card
Delivers ₹3,083 net annual returns (1.71% ROI) vs -₹972 on HDFC Diners Club Black Metal Edition.
Card A
Ixigo AU Credit Card
AU Small Finance Bank
₹3,083Net Annual Benefit
Gross Rewards:₹3,083/yr
Effective Fee (incl. GST):Waived (₹0)
Net ROI on Spend:1.71%
Card B
HDFC Diners Club Black Metal Edition
HDFC Bank
-₹972Net Annual Benefit
Gross Rewards:₹10,828/yr
Effective Fee (incl. GST):₹11,800
Net ROI on Spend:-0.54%
Fee Waiver Progress (8L target):23%
2-Card Optimization HackMaximize Trapped / Capped Spend
+₹1,800/year Extra YieldPair Ixigo AU Credit Card + SBI Cashback Credit Card
Pair Ixigo AU Credit Card with SBI Cashback Credit Card to capture up to ₹1,800/yr extra on zero-reward categories.
Routes excluded categories:Utility & Offline Spends
Detailed 12-Category Rupee Breakdown (@ ₹15,000/mo)
| Spend Category | Monthly Spend | Ixigo AU Credit Card | HDFC Diners Club Black Metal Edition |
|---|---|---|---|
| Amazon, Flipkart & Myntra Shopping | ₹3,750/mo | ₹94 (2.5%) | ₹375 (9.99%) |
| Scan & Pay Merchant UPI | ₹2,250/mo | ₹28 (1.25%) | ₹75 (3.33%) |
| Electricity, Water, Gas & Broadband Bills | ₹1,800/mo | ₹23 (1.25%) | ₹60 (3.33%) |
| Swiggy, Zomato & Dining Out | ₹1,800/mo | ₹45 (2.5%) | ₹120 (6.66%) |
| Blinkit, Zepto, Instamart & Supermarkets | ₹1,500/mo | ₹38 (2.5%) | ₹50 (3.33%) |
| Petrol & Diesel at Fuel Stations1% fuel surcharge waiver on transactions between ₹400 and ₹5,000, capped at ₹150/cycle | ₹1,200/mo | 0% Excluded | 0% Excluded |
| Flights, Hotels & IRCTC Trains | ₹1,200/mo | ₹30 (2.5%) | ₹198 (16.5%) |
| LIC, Health & Term Insurance Premiums | ₹750/mo | 0% Excluded | ₹25 (3.33%) |
| House Rent & School/College FeesRent and educational payments are excluded from reward points accrual | ₹750/mo | 0% Excluded | 0% Excluded |
| International Travel & Forex SpendsZero 0% markup fee on foreign currency transactions; 1% dynamic currency conversion fee applies if settled in INR | ₹0/mo | ₹0 (1.25%) | ₹0 (3.33%) |
| Gold, Silver & Jewelry Purchases | ₹0/mo | ₹0 (0%) | ₹0 (0%) |
| Income Tax, GST & Challan Payments | ₹0/mo | ₹0 (0%) | ₹0 (0%) |
| Net Annual Benefit | ₹1,80,000/yr | +₹3,082 | +-₹972 |
Frequently Asked Questions
Which card is better between Ixigo AU Credit Card and HDFC Diners Club Black Metal Edition for ₹15,000/month?▼
At ₹15,000/month (₹180,000/year), Ixigo AU Credit Card mathematically outperforms HDFC Diners Club Black Metal Edition by ₹4,054/year. Ixigo AU Credit Card delivers ₹3,082 net annual benefit (1.71% effective yield), while HDFC Diners Club Black Metal Edition returns ₹-972 (-0.54% effective yield).
Will the annual fee be waived at ₹15,000 monthly spend?▼
On an annual spend of ₹180,000: Ixigo AU Credit Card annual fee is waived (₹0). HDFC Diners Club Black Metal Edition annual fee is payable at ₹11,800 (incl. 18% GST).
How do reward caps impact the earnings on both cards?▼
At this spend tier, Ixigo AU Credit Card loses ₹0/year to monthly cashback caps, while HDFC Diners Club Black Metal Edition loses ₹0/year. Ixigo AU Credit Card remains uncapped at this spend. HDFC Diners Club Black Metal Edition remains uncapped at this spend.
What is the breakeven monthly spend between Ixigo AU Credit Card and HDFC Diners Club Black Metal Edition?▼
The calculated crossover breakeven spend is ₹23,000/month, where higher-fee benefits overtake the lower-fee option.