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HDFC Infinia Credit Card vs. HDFC Diners Black Credit Card



HDFC Infinia Credit Card vs. HDFC Diner Black Credit Card: Let's Check Which One Is Better:


The HDFC Infinia credit card and HDFC Diner Black credit card are two of the most premium cards offered by HDFC Bank. They both offer unlimited lounge access, high reward points, low foreign currency markup, and complimentary insurance benefits. However, they also differ in some aspects, such as annual fees, eligibility criteria, and reward redemption options. You can choose the card that suits you best depending on your spending habits and preferences. In this Blog, we’ll provide a detailed comparison of the two Cards.



 

HDFC Bank INFINIA Credit Card Metal Edition:


  • Joining fee: Rs.12,500 

  • Interest Rate: 1.99% per month i.e. 23.88% annually.

  • Welcome Benefits: Complimentary Club Marriott membership. And Complimentary Club Marriott membership for a year that offers up to 20% discounts for Dining and Stay across Asia – Pacific region.  

  • Special Feature: Unlimited Complimentary golf games at leading courses across India and select courses across the world.






 

HDFC Diner Club Black Credit Card:


  • Joining Fees: Rs. 10,000 + GST

  • Interest Rate: 1.99% Monthly & 23.88% Annually

  • Welcome Benefit: Complimentary Amazon Prime Membership and Complimentary Club Marriott Membership.

  • Special Feature: Unlimited International and Domestic Lounge Access for Primary and Add-On Cardholders.







 

If you are looking for a super-premium credit card that offers you a high reward rate, unlimited lounge access, golf privileges, and other exclusive benefits, you might be wondering which one to choose between HDFC Bank Infinia Credit Card and HDFC Diners Club Black Credit Card. Both cards are among the best in the market and cater to high-net-worth individuals who value luxury and convenience. However, there are some differences between the two cards that you should know before making a decision. Here is a detailed comparison of the features, benefits, fees, and eligibility of both cards.


Features


  • HDFC Bank Infinia Credit Card is a Visa Infinite or Mastercard World card that offers you a no pre-set spending limit (NPSL) feature, which means you can spend beyond your credit limit based on your spending pattern and repayment history. HDFC Diners Club Black Credit Card is a Diners Club card that does not offer this feature.

  • Both cards have the same annual fee of Rs. 10,000 + GST and offer you 10,000 reward points as a welcome benefit. However, HDFC Bank Infinia Credit Card also gives you a complimentary Club Marriott membership for a year as an additional welcome gift.

  • Both cards have the same reward rate of 3.3% (5 reward points per Rs. 150 spent) on all categories. However, HDFC Diners Club Black Credit Card offers you 10X reward points on partner brands like Myntra, Zoomcar, Ola, FirstCry, etc., in addition to SmartBuy portal, while HDFC Bank Infinia Credit Card only offers 10X reward points on SmartBuy portal.

  • Both cards allow you to transfer your reward points to airline partners like InterMiles, Singapore Airlines (KrisFlyer Miles), and Club Vistara. However, HDFC Diners Club Black Credit Card also lets you transfer your reward points to British Airways Executive Club (Avios).

  • Both cards offer you unlimited complimentary domestic and international airport lounge access for primary and add-on card members. However, HDFC Bank Infinia Credit Card uses Priority Pass membership for this benefit, while HDFC Diners Club Black Credit Card uses Diners Club membership. Priority Pass has more than 1300 lounges in its network, while Diners Club has more than 1000 lounges.

  • Both cards offer you unlimited complimentary golf games at leading destinations across the country and selected ones across the globe. However, HDFC Bank Infinia Credit Card also offers you complimentary golf lessons at selected golf courses.

  • Both cards offer you dining benefits like Club Marriott membership (20% off on food and beverage bills and 15% off on selected hotels), Good Food Trail Program (25% off at 2000+ premium restaurants, 1 + 1 buffet at 200 + restaurants, and 1 + 1 food/drinks at selected restaurants), and ITC Complimentary buffet (1 + 1 complimentary buffet with participating ITC hotels). However, HDFC Bank Infinia Credit Card also offers you Zomato Gold membership as a renewal benefit.

  • Both cards offer you travel benefits like ITC Hotel Complimentary Stay Benefits (Complimentary 1-night stay after booking a 2-night stay at participating hotels) and lower foreign currency markup fee (2% + GST for HDFC Bank Infinia Credit Card and 1.99% + GST for HDFC Diners Club Black Credit Card). However, HDFC Diners Club Black Credit Card also offers you annual memberships of Forbes Digital subscription, Amazon Prime, MakeMyTrip Double Black, and Times Prime as renewal benefits if you spend Rs. 8 lakhs in a year.

  • Both cards offer you monthly milestone benefits like BookMyShow voucher, TataCLiQ voucher or Ola Select membership worth Rs. 1,000 on spending Rs. 80,000 in a month. However, HDFC Diners Club Black Credit Card also offers you an annual fee waiver if you spend Rs. 5 lakhs in a year, while HDFC Bank Infinia Credit Card requires you to spend Rs. 8 lakhs in a year for the same benefit.

  • Both cards offer you insurance cover like credit shield (Rs. 9 lakhs), air accidental death coverage (Rs. 3 crores for HDFC Bank Infinia Credit Card and Rs. 2 crores for HDFC Diners Club Black Credit Card), and emergency overseas hospitalization coverage (Rs. 50 lakhs). However, HDFC Diners Club Black Credit Card also offers you travel insurance cover of Rs. 55,000 on baggage delay.

Eligibility


  • HDFC Bank Infinia Credit Card is an invite-only card that requires you to have a monthly income of Rs. 3.75 lakhs and above or a net worth of Rs. 50 crores and above. HDFC Diners Club Black Credit Card is not an invite-only card and requires you to have a monthly income of Rs. 1.75 lakhs and above or a net worth of Rs. 5 crores and above.

  • HDFC Bank Infinia Credit Card is a Visa Infinite or Mastercard World card that has excellent domestic and international acceptance. HDFC Diners Club Black Credit Card is a Diners Club card that has very good (~95%) domestic acceptance and excellent international acceptance.

Conclusion


Both HDFC Bank Infinia Credit Card and HDFC Diners Club Black Credit Card are great super-premium credit cards that offer you a high reward rate, unlimited lounge access, golf privileges, and other exclusive benefits. However, depending on your lifestyle, preferences, and financial goals, you might find one card more suitable than the other. Here are some factors to consider before choosing between the two cards:

  • If you want a no pre-set spending limit feature, a complimentary Club Marriott membership as a welcome gift, more airport lounges in the network, complimentary golf lessons, Zomato Gold membership as a renewal benefit, and higher air accidental death coverage, you might prefer HDFC Bank Infinia Credit Card.

  • If you want more partner brands for 10X reward points, an additional airline partner for reward points transfer, lower annual fee waiver criteria, annual memberships of Forbes Digital subscription, Amazon Prime, MakeMyTrip Double Black, and Times Prime as renewal benefits, lower foreign currency markup fee, and travel insurance cover on baggage delay, you might prefer HDFC Diners Club Black Credit Card.


About HDFC Cards:


HDFC Credit Cards are one of the most popular and widely used credit cards in India. They offer a range of benefits and features to suit different needs and preferences of customers. Some of the advantages of HDFC Credit Cards are:

  • Reward points on every spend, which can be redeemed for various products, vouchers, air miles, etc.

  • Flexible payment options, such as EMI, balance transfer, revolving credit, etc.

  • Exclusive offers and discounts on shopping, dining, travel, entertainment, etc.

  • Comprehensive insurance cover for cardholders and their families

  • Enhanced security features, such as chip and PIN, OTP, fraud alert, etc.

HDFC Credit Cards are designed to provide convenience, value and security to customers. They can be applied online or offline, depending on the eligibility criteria and documentation required. HDFC Credit Cards are a smart way to manage finances and enjoy a rewarding lifestyle.



FAQs:

Which card has a higher annual fee?

The HDFC Diner Club Black Credit Card and the HDFC Infinia Credit Card have the same annual fees i.e. INR 10,000/-

Which card offers better travel lounge access?

Both cards offer unlimited access to over 1,300+ airport lounges worldwide through Priority Pass Select membership.

Which card has a higher base rewards rate?

Both cards offer the same base rewards rate of 5 Reward Points per ₹150 spent.

Which card offers better travel benefits?

The HDFC Diner Club Black Card edges out with its complimentary Marriott Bonvoy Gold Elite status (room upgrades, welcome amenities, bonus points) compared to the Infinia's complimentary Club Marriott membership.

Which card offers more dining and lifestyle perks?

The HDFC Infinia Card provides more free memberships like Amazon Prime and Swiggy One, while the Diner Club Black Card offers 6 complimentary golf games per quarter and exclusive dining privileges.

Which card offers higher rewards on flight and hotel bookings?

The HDFC Diner Club Black Card offers 10x Reward Points on flight tickets and hotel bookings, compared to the Infinia's 5x points.

Which card is better for occasional travelers?

The HDFC Infinia Card might be more suitable with its lower annual fee and similar lounge access, while the Diner Club Black Card caters more towards frequent travelers seeking elite hotel status and bonus travel points.

Which card is a charge card?

Both cards are charge cards, requiring full payment each month.

Which card has a lower joining fee?

The HDFC Infinia Card has no joining fee, while the Diner Club Black Card has a ₹4,999 + GST joining fee that can be waived off through specific spending requirements.

Which card is best for me?

The best card depends on your individual spending habits, travel frequency, and desired lifestyle privileges. Consider the annual fees, rewards offerings, and travel benefits to find the card that aligns best with your needs and budget.

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