HDFC Diners Club Black Credit Card Vs. HDFC Infinia Credit Card Metal Edition

HDFC Diners Club Black Credit Card

HDFC Diners Club Black Credit Card

HDFC Infinia Credit Card Metal Edition

HDFC Infinia Credit Card Metal Edition

Comparison of HDFC Diners Club Black Credit Card and HDFC Infinia Credit Card Metal Edition

Feature	HDFC Diners Club Black Credit Card	HDFC Infinia Credit Card Metal Edition
Annual Fee	₹10,000 + GST	₹12,500 + GST
Joining Fee	₹10,000 + GST	₹12,500 + GST
Welcome Benefits	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.	12,500 bonus reward points on joining and renewal fee payment (value: ₹12,500 when redeemed optimally).
Interest Rate (APR)	N/A	N/A
Foreign Currency Markup	2%	2%
Key Highlights	•Premium Reward Programme •Unlimited Airport Lounge Access •Welcome Benefits •Milestone Benefits •Annual Fee Waiver	•Super-Premium Rewards •Welcome & Renewal Bonus •Premium Redemption •Unlimited Lounge Access •Fee Waiver
Dos	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	Book all flights and hotels through SmartBuy to earn 10X rewards (33.3% return) Redeem points at 1:1 ratio for travel, Apple products, Tanishq, or air miles for maximum value Spend ₹10 lakh annually to get automatic fee waiver Utilize unlimited lounge access for primary and add-on cardholders Transfer points to airline partners at 1:1 ratio for premium flight redemptions
Don'ts	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	Don't book travel on other platforms; you'll miss out on 10X SmartBuy rewards Don't redeem for cashback (₹0.30/point) or regular vouchers (₹0.50/point) Avoid using for fuel purchases; no rewards earned Don't load wallets or pay rent via third-party apps; no rewards Avoid missing the 70-30 redemption rule; pay 30% by card to earn points

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