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HDFC Bank Diners Club Black Metal Edition Credit Card VS HDFC Bank INFINIA Metal Credit Card

A detailed, side-by-side look at 2 leading credit cards. Analyze the features that matter most to you and make an informed choice.
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Last updated: 30 June 2026

Both HDFC Bank INFINIA Metal Credit Card and HDFC Bank Diners Club Black Metal Edition Credit Card suit travel-focused spenders, but they earn and cost differently. HDFC Bank INFINIA Metal Credit Card costs ₹12,500 + GST and earns 5 RP for ₹150 retail spends; up to 10X RP on SmartBuy travel & shopping. HDFC Bank Diners Club Black Metal Edition Credit Card costs ₹10,000 + GST and earns 5 Reward Points for every ₹150 retail spend; up to 10X via SmartBuy & 2X on weekend dining. HDFC Bank INFINIA Metal Credit Card also brings unlimited complimentary airport lounge access in India for primary and add-on cardholders, while HDFC Bank Diners Club Black Metal Edition Credit Card counters with unlimited complimentary airport lounge visits across India for primary and add-on card members. If premium spending matters more, go with HDFC Bank INFINIA Metal Credit Card; if dining is the priority, HDFC Bank Diners Club Black Metal Edition Credit Card fits better.

HDFC Bank Diners Club Black Metal Edition Credit Card
HDFC Bank Diners Club Black Metal Edition Credit Card
HDFC Bank INFINIA Metal Credit Card
HDFC Bank INFINIA Metal Credit Card

Fees & Charges

Joining Fee₹10,000 + GST
Joining Fee₹12,500 + GST
Renewal Fee₹10,000 + GST
Renewal Fee₹12,500 + GST
Spend Based WaiverRenewal fee waived on spending ₹8 Lakhs in 12 months for the subsequent renewal year.
Spend Based WaiverRenewal fee waived on ₹10 lakhs or more spend in preceding 12 months for Metal Edition.
Foreign Transaction Fees2% markup on all foreign currency spends; billed within 60 days from settlement date.
Foreign Transaction Fees2% + GST (~2.36%) on all foreign currency transactions.
Interest Rate (APR)1.99% monthly interest rate, equating to 23.88% annually on outstanding balances.
Interest Rate (APR)1.99% per month (23.8% annualized) on the due amount.

Rewards & Benefits

Welcome BonusComplimentary annual memberships to Club Marriott, Amazon Prime, and Swiggy One on ₹1.5L spend.
Welcome BonusComplimentary Club Marriott membership for 1st year & 12,500 bonus Reward Points on activation.
Rewards RateEarn 5 Reward Points for every ₹150 retail spend; up to 10X via SmartBuy & 2X on weekend dining.
Rewards RateEarn 5 RP for ₹150 retail spends; up to 10X RP on SmartBuy travel & shopping.
Reward TypeReward Points
Reward TypeReward Points
Reward Redemption FeeNot Applicable
Reward Redemption FeeNil

Travel & Lifestyle

Domestic Lounge AccessUnlimited complimentary airport lounge visits across India for primary and add-on card members.
Domestic Lounge AccessUnlimited complimentary airport lounge access in India for primary and add-on cardholders.
International Lounge AccessUnlimited complimentary airport lounge visits across the world for primary and add-on card members.
International Lounge AccessUnlimited complimentary airport lounge access globally via Priority Pass for primary & add-on.
Travel BenefitsUnlimited domestic & international lounge access. Comprehensive travel insurance and concierge services.
Travel BenefitsComplimentary Club Marriott & ITC Hotels stay offers; Redeem RP for flights/airmiles on SmartBuy.
Movie BenefitsAmazon Prime membership provides access to ad-free entertainment with Prime Video.
Movie Benefits
Dining BenefitsEnjoy 2X points on weekend dining & flat 10% off at 35,000+ restaurants with Swiggy Dineout.
Dining BenefitsComplimentary Club Marriott membership; 1+1 buffet at ITC; FLAT 10% EXTRA OFF on Swiggy Dineout.
Golf Benefits6 complimentary golf games every quarter (24 annually) across finest courses worldwide.
Golf BenefitsUnlimited complimentary golf lessons and games at leading courses across India and worldwide.
Fuel Surcharge WaiverNot Applicable
Fuel Surcharge Waiver1% waiver on transactions ₹400-₹1,00,000, capped at ₹1,000 per statement cycle.

Security & Other

Insurance Benefits₹2 Cr air accident cover, ₹50L overseas hospitalization, ₹55K baggage delay & ₹9L credit liability.
Insurance BenefitsAccidental Air Death ₹3 Cr, Emergency Overseas Hospitalization ₹50 L, Credit Shield ₹9 L.
Cash Advance Charges2.5% of total amount or ₹500, whichever is higher, for cash withdrawals.
Cash Advance ChargesNIL, but interest charges are applicable from the date of cash advance.
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

HDFC Bank Diners Club Black Metal Edition Credit Card

HDFC Bank INFINIA Metal Credit Card

Who is it for?

The HDFC Bank Diners Club Black Metal Edition Credit Card is a luxurious, feature-rich premium offering from HDFC Bank, designed for high-spenders seeking a comprehensive lifestyle upgrade. It provides unlimited international and domestic lounge access, 24 complimentary golf games annually, and strong reward earning potential on various spends. This card excels in travel, dining, and shopping benefits, making it a powerful contender in the high-end credit card market.

Who is it for?

The HDFC Bank INFINIA Metal Credit Card is a super-premium, invite-only offering designed for high-net-worth individuals. It provides luxurious benefits like unlimited global lounge access, complimentary golf, a 24x7 concierge, and high reward earnings. With its low foreign currency markup and comprehensive insurance, it caters to an uncompromising lifestyle.

Pros

Key benefits and features.

Unlimited international and domestic lounge access for primary and add-on cardholders.

Enjoy 6 complimentary golf games each quarter across finest courses globally (24 annually).

Generous welcome benefits including annual memberships to Club Marriott, Amazon Prime, and Swiggy One.

Strong reward point earning potential, especially on SmartBuy and weekend dining expenditures.

Comprehensive insurance covers like air accidents, overseas hospitalization, and baggage delay.

Pros

Key benefits and features.

Unlimited lounge access globally for primary and add-on cardholders via Priority Pass membership.

Enjoy unlimited complimentary golf games and coaching at premier courses across the world.

Highly rewarding with 5 Reward Points for every ₹150 spent, up to 10X on SmartBuy.

Valuable welcome & renewal benefits, including bonus RPs & complimentary Club Marriott membership.

Comprehensive insurance benefits, including air accidental death cover and overseas hospitalization.

Cons

Key drawbacks and limitations.

The joining fee of ₹10,000 plus taxes may be considered high for many premium card users.

Renewal fee waiver requires a substantial annual spend of ₹8 Lakhs, challenging for some.

Diners Club cards can sometimes face acceptability issues with certain merchants in India.

Cons

Key drawbacks and limitations.

The card is strictly invite-only, making it inaccessible to most potential applicants due to rigorous criteria.

Significant joining and renewal fees, though a waiver is possible with very high annual spending.

Reward points have monthly caps on grocery, telecom, and utility transactions, limiting earning potential.

Low cashback redemption value (₹0.30 per point) compared to higher value redemptions for travel.

How We Compare These Cards

Every comparison on CardsForYou is built from the same verified data set we use across the site - joining and renewal fees, reward rates, forex markup, lounge access, and insurance benefits - sourced directly from each issuer and refreshed regularly. We highlight the lower-cost option on fees automatically, but "best" always depends on your own spending pattern: a card that wins on annual fee may lose on reward rate for a heavy spender, and vice versa. Use the table above alongside your own typical monthly spend to judge real value, not just the headline numbers.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.
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