HDFC Infinia Credit Card Metal Edition vs HDFC Diners Club Black
Which card gives you higher value? Compare annual fees, reward rates, lounge access, and milestone perks side-by-side.
HDFC Bank
★ 4.9 / 5.0
HDFC Infinia Credit Card Metal Edition
High-Net-Worth Individuals & Frequent Luxury Travelers
HDFC Bank
★ 4.5 / 5.0
HDFC Diners Club Black
Premium Luxury, Travel & High Reward Redemption
Side-by-Side Feature Breakdown
Open Interactive Matrix →User Rating
★ 4.9 / 5.0
★ 4.5 / 5.0
Annual Fee
₹12,500 + Taxes
₹10,000 + Taxes
Fee Waiver Condition
Annual fee waived on ₹10 Lakh annual retail spends
Annual fee waived on ₹8 Lakh annual retail spends
Reward Rate
5 reward points per ₹150; up to 10X on SmartBuy flight/hotel bookings
5 reward points per ₹150 on retail; up to 10X via HDFC SmartBuy; 2X on weekend dining
Finance APR
1.99% per month (23.88% per annum)
1.99% per month (23.88% per annum)
Welcome Offer
12,500 Reward Points upon fee payment and card activation
Complimentary Club Marriott, Amazon Prime & Swiggy One membership on joining
Top Perks
- • 5 reward points per ₹150 spent on all retail transactions
- • Up to 10X reward points on travel and shopping bookings via HDFC SmartBuy
- • Unlimited complimentary domestic and international airport lounge access via Priority Pass for primary & add-on members
- • Complimentary 1-year Club Marriott membership giving up to 20% off on dining & stays across Asia-Pacific
- • Unlimited complimentary airport lounge visits worldwide (primary + add-on cardholders)
- • Reduced foreign exchange mark-up fee of 2%
- • Diners Club privileges including priority check-in and luggage assistance
- • Complimentary Club Marriott membership on joining
Best Suited For
High-Net-Worth Individuals & Frequent Luxury Travelers
Premium Luxury, Travel & High Reward Redemption