HDFC Bank Infinia Credit Card Vs. HDFC Diners Club Black Credit Card
HDFC Bank Infinia Credit Card
HDFC Diners Club Black Credit Card
Comparison of HDFC Bank Infinia Credit Card and HDFC Diners Club Black Credit Card
Feature
HDFC Bank Infinia Credit Card
HDFC Diners Club Black Credit Card
Annual Fee
₹12,500 + GST
₹10,000 + GST
Joining Fee
₹12,500 + GST
₹10,000 + GST
Welcome Benefits
Receive complimentary Club Marriott membership for the first year
Receive complimentary annual memberships of Club Marriott, Amazon Prime, Times Prime, MMT BLACK, Swiggy One, and Forbes on spending ₹1.5 lakh within the first 90 days.
Interest Rate (APR)
N/A
N/A
Foreign Currency Markup
2% of transaction value
2%
Key Highlights
•Premium Lounge Access
•Accelerated Rewards
•Exceptional Redemption
•Luxury Memberships
•Annual Fee Waiver
•Premium Reward Programme
•Unlimited Airport Lounge Access
•Welcome Benefits
•Milestone Benefits
•Annual Fee Waiver
Dos
Use HDFC SmartBuy portal for travel bookings to earn 10X points
Redeem points at 1:1 ratio for flights and hotels for maximum value
Utilise unlimited lounge access during all domestic and international travels
Leverage hotel benefits like ITC's book 3 pay 2 and Club Marriott privileges
Use the card for all international transactions to benefit from 2% markup
Use SmartBuy for flight and hotel bookings to maximise reward value at 1:1 redemption
Pay the full outstanding amount before the due date to avoid interest charges
Aim for monthly spends of ₹80,000 to achieve monthly milestones and receive vouchers
Utilise unlimited lounge access for comfortable airport experiences
Convert reward points to air miles for enhanced travel benefits
Don'ts
Avoid spending beyond financial capacity just to reach fee waiver milestones
Do not redeem points for low-value options when premium redemption is available
Ignore the comprehensive insurance coverage; understand the benefits fully
Share card details, CVV, PIN, or OTP with anyone under any circumstances
Use the card for cash withdrawals unless absolutely necessary due to charges
Avoid exceeding the monthly SmartBuy cap of 7,500 reward points
Do not miss the ₹1.5 lakh spend target in the first 90 days to claim welcome benefits
Ignore the 3-year validity period of reward points; redeem them timely
Use the card for fuel, cash advances, or e-wallet loads expecting reward points
Forget to check merchant acceptance before attempting to use the card
