HDFC Infinia Vs Diners Club Black Credit Card- Which One Should You Pick?

HDFC Infinia and HDFC Diners Club Black Metal Credit Card are the top two super-premium credit cards by HDFC Bank. Both cards offer you a similar reward rate of 3.3% by offering 5 reward points per ₹150 spent. Both cards also provide numerous additional benefits, including unlimited complimentary airport lounge access, complimentary golf games, a lower foreign currency exchange fee, and more.

Before we conduct a detailed point-by-point comparison between the Infinia and the Diners Club Black Credit Cards, it is a good idea to review some of the key features of the two cards.

HDFC Infinia Credit Card

The HDFC Bank’s Infinia credit card metal edition is one of its most premium offerings in the market. This card targets high-net-worth individuals and is only available as an invite-only card. This card’s advantages focus on providing a luxurious lifestyle, including access to top golfing spots, dining benefits, a 2% forex markup rate, rewards on every ₹150 spent, and additional perks.

• Welcome Benefits: A complimentary Club Marriott Membership for a year as a welcome gift and 12,500 bonus reward points upon joining fee.
• Rewards: 5 RPs for every ₹ 150 spent, accelerated 10X RPs on travel and shopping spending on the SmartBuy platform.
• Reward Redemption: Reward Points earned can be redeemed for cashback (by adjusting against the card’s statement balance), partner airlines’ AirMiles, hotel or flight bookings through SmartBuy, and for purchasing products and vouchers from HDFC’s catalog.
• Dining Benefits: Get a 1+1 complimentary buffet at participating ITC Hotels. 20% off on food and beverage bills and 15% off on selected hotels with Club Marriott membership. Get upto ₹750 off while paying your dining bills via Swiggy Dineout.
• Airport Lounge Access: Unlimited complimentary domestic and international airport lounge access across the globe with Priority Pass Membership.
• Other Perks: Club Marriott membership, allowing 20% off on the best available rooms at participating Marriott hotels in the country. ITC Hotel Complimentary Stay Benefits include a complimentary 1-night stay after booking a 2-night stay at participating hotels.
• Golf: Unlimited complimentary golf games at leading destinations across the country and with selected ones across the globe.

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HDFC Diners Club Black Credit Card

The Diners Club Black Metal Credit Card is the second most premium offering by HDFC and the most exclusive Diners Club credit card in India. It provides the same reward rate as the Infinia Credit Card, 5 Reward Points for every ₹150 spent, along with numerous additional benefits. The annual fee for the HDFC Diners Club Black Credit Card is ₹10,000.

Some of the key features of the Diners Club Black Card are as follows.

• Welcome Benefits: You get a complimentary membership to Club Marriott, Swiggy One, and Amazon Prime as a welcome benefit for spending ₹1.5 Lakhs within 90 days of card issuance.
• Dining Benefits: Get up to 10% off on restaurant payments through Swiggy Dineout.
• Airport Lounge Access: Unlimited complimentary access to domestic as well as international airport lounges.
• Golf Benefits: Get six complimentary golf rounds per calendar quarter at some of the finest golf courses around the world.
• Reward Rate: The Diners Club Black Credit Card earns you 5 Reward Points for every ₹150 spent. You earn 10X Reward Points on purchases via SmartBuy. You also earn 2X Reward Points on dining bills on weekends at partner restaurants.
• Redemption of Reward Points: The Reward Points earned can be redeemed against cashback (adjustment of Reward Points against the card’s statement balance), partner airlines’ AirMiles, hotel/flight bookings via SmartBuy, and for purchasing products and vouchers from HDFC’s catalog of products and vouchers.

General Overview

The rate of redemption of Reward Points is the same for both Infinia and Diners Club Black Credit Cards. However, you get an additional option of redemption against Apple and Tanishq vouchers in the case of the Infinia Credit Card.

Conclusion

Both Infinia and Diners Club Black are top-tier credit cards in the super-premium segment, making them two of the most sought-after options available today. Both cards offer an equal reward rate of 3.3% (5 Reward Points per ₹150) and come with a wide range of additional benefits. While the Infinia Card offers a 1+1 buffet benefit and a complimentary night’s stay at ITC hotels, the Diners Club Black provides a complimentary membership to the Club Marriott hotel loyalty program and subscriptions to services like Amazon Prime, provided you spend at least ₹8 lacs annually.

Choose the HDFC Diners Club Black Credit Card if you plan to use benefits like the Club Marriott membership or other subscriptions, such as Amazon Prime, Swiggy One, etc., included with the card. Spending ₹8 lakhs annually effectively waives the card’s annual fee, as the fee is waived when your yearly expenditure exceeds this amount.

Conversely, opt for the Infinia Credit instead of the Diners Club Black Credit Card if the membership benefits of the latter are not valuable to you, since the Infinia Credit Card offers more Reward Points (15,000 RPs per statement cycle) through an accelerated earning rate via SmartBuy.

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