HDFC Bank Diners Club Black Metal Edition Credit Card vs HDFC Bank INFINIA Credit Card Metal Edition
Last verified 19 Oct 2026 · how we compare
Side by side
| Feature | HDFC Bank Diners Club Black Metal Edition Credit Card | HDFC Bank INFINIA Credit Card Metal Edition |
|---|---|---|
| Issuer | HDFC Bank | HDFC Bank |
| Joining fee | ₹10,000 | ₹12,500 |
| Annual fee | ₹10,000 | ₹12,500 |
| Fee waiver | Renewal fee waived if you spend ₹8 lakh or more in the year before your renewal date (cash withdrawals and balance transfers don't count). No joining fee waiver is offered. Spend ₹1.5 lakh in the first 90 days to get Club Marriott, Amazon Prime and Swiggy One memberships; HDFC's terms call all three annual, while its product page shows Swiggy One for 3 months. | Renewal fee waived if you spend ₹10 lakh or more in the 12 months before your renewal date. Paying the joining fee, and each renewal fee, earns 12,500 reward points (worth ₹12,500 on HDFC SmartBuy flights and hotels). No joining fee waiver is offered. |
| Everyday spends (value back) | 3.33% | 3.33% |
| Online shopping (value back) | 3.33% | 3.33% |
| Fuel (value back) | 0% | 0% |
| Groceries (value back) | 3.33% | 3.33% |
| Travel (value back) | 3.33% | 3.33% |
| Bills and utilities (value back) | 3.33% | 3.33% |
| Dining and food delivery (value back) | 3.33% | 3.33% |
| Rewards in short | 5 reward points per ₹150: about 3.3% back if you use the points for flights and hotels on HDFC SmartBuy (₹1 a point), or up to 1% as statement credit (up to ₹0.30 a point). Double points at standalone restaurants on Saturdays and Sundays, 10,000 bonus points each calendar quarter you spend ₹4 lakh, and up to 10 times the points on travel and shopping through SmartBuy. Fuel, rent, wallet loads, EMI and government payments earn nothing. | 5 reward points per ₹150: about 3.3% back if you use the points for flights and hotels on HDFC SmartBuy (₹1 a point), or up to 1% as statement credit (up to ₹0.30 a point). Up to 10 times the points on travel and shopping through SmartBuy, within 15,000 bonus points a month. Fuel, rent, wallet loads and government payments earn nothing. |
| Works on UPI | No | No |
| Airport lounge | Unlimited airport lounge visits in India and abroad for the primary cardholder and each add-on cardholder, with no spend condition: show the card at the lounge. Guests aren't covered and pay the lounge's own charge. Lounges abroad are listed in the Diners Travel Tool app. | Unlimited lounge visits in India by swiping the card and unlimited visits abroad through Priority Pass, for the primary cardholder and each add-on cardholder, with no spend condition. Add-on cardholders need their own Priority Pass abroad, and guests pay $27 plus GST a visit. |
| Forex markup | 2% | 2% |
| Fuel surcharge waiver | No fuel surcharge waiver. Fuel earns no points, and HDFC Bank charges a 1% fee on single fuel transactions above ₹15,000. | 1% waiver on fuel transactions of ₹400 to ₹1 lakh, capped at ₹1,000 per statement cycle. Fuel earns no points, and HDFC Bank charges a 1% fee on single fuel transactions above ₹15,000. |
| Card network | Diners Club | Not published by the bank |
| Minimum income (salaried) | ₹2,50,000 a month | Not published by the bank |
Value back is the % of spend you get at the bank's published redemption value. “–” means the bank doesn't publish it. Fees exclude GST.
Which one to pick
Pick the HDFC Bank Diners Club Black Metal Edition Credit Card if
you can't get an Infinia invitation, or you spend ₹4 lakh or more every calendar quarter
₹10,000 joining, ₹10,000 a year
Pick the HDFC Bank INFINIA Credit Card Metal Edition if
HDFC Bank has invited you and you want the fee back as points and a fuel surcharge waiver
₹12,500 joining, ₹12,500 a year
CreditParakh is not a bank or lender. Approval, limits and final terms are decided by the issuer.
Questions people ask
Is HDFC Diners Club Black Metal the same as Infinia?
They earn at the same rate, 5 points per ₹150 with a point worth ₹1 on SmartBuy flights and hotels, and both give unlimited lounge visits in India and abroad. Diners Black Metal is a Diners Club card that anyone meeting HDFC Bank's income criteria can apply for; Infinia is by invitation only. Diners Black Metal is ₹2,500 a year cheaper and adds a quarterly spend bonus; Infinia returns its fee as points and waives the fuel surcharge.
Can guests use the lounges?
Guests aren't covered free on either card: on Infinia they pay $27 plus GST a visit, and on Diners Black Metal they pay the lounge's own charge. Add-on cardholders get unlimited visits on both; on Infinia they need their own Priority Pass for lounges abroad.
What income do I need?
For Diners Black Metal, HDFC Bank asks salaried applicants (age 21 to 60) for a net monthly income above ₹2.5 lakh, and self-employed applicants (21 to 65) for an IT return above ₹30 lakh a year; you don't need another credit card first. HDFC publishes no criteria for Infinia: the bank picks customers and tells them if they qualify, and since April 2026 keeping it needs ₹18 lakh of card spend in a financial year or ₹50 lakh of average balances with HDFC Bank.
What does each card give when you join?
Infinia gives 12,500 reward points, worth ₹12,500 on SmartBuy flights and hotels, when the joining fee is paid, and again with each renewal fee. Diners Black Metal gives Club Marriott, Amazon Prime and Swiggy One memberships once you spend ₹1.5 lakh in the first 90 days. Neither waives the joining fee, and HDFC Bank charges ₹3,500 to replace either metal card if it's lost or damaged.
Full details: HDFC Bank Diners Club Black Metal Edition Credit Card · HDFC Bank INFINIA Credit Card Metal Edition · find the card that fits your spending
Last verified 19 Oct 2026 on each issuer's official page. Fees and rewards change; check the issuer's terms before you apply.