HDFC Bank INFINIA Metal Credit Card VS HDFC Business Regalia Credit Card VS HDFC Bank Millennia Credit Card VS HDFC Bank Diners Club Black Metal Edition Credit Card
Fees & Charges
Rewards & Benefits
Travel & Lifestyle
Security & Other
HDFC Bank INFINIA Metal Credit Card
HDFC Business Regalia Credit Card
HDFC Bank Millennia Credit Card
HDFC Bank Diners Club Black Metal Edition Credit Card
Who is it for?
Who is it for?
Who is it for?
Who is it for?
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.
Pros
Key benefits and features.
Offers a competitive reward rate of 4 points per ₹150 across diverse spending categories.
Provides extensive lounge access: 8 domestic & 6 international visits yearly for cardholders.
Includes valuable insurance benefits like air accidental cover up to ₹1 Crore till April 2025.
Features a renewal fee waiver on annual spends above ₹3 Lakhs, enhancing long-term value.
Offers a flexible interest-free credit period up to 50 days, aiding business expense management.
Pros
Key benefits and features.
High 5% cashback on popular partner merchants including Myntra, Amazon.
Renewal fee waiver on spending ₹1 Lakh in the card anniversary year.
Provides substantial savings for digital-savvy consumers on daily spends.
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.
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.
Cons
Key drawbacks and limitations.
Some key benefits like insurance and business cashback are being discontinued or revised soon.
Domestic lounge access will require a minimum spend of ₹1 Lakh per quarter from April 2025.
High foreign currency markup of 3.5% makes international spends less rewarding for users.
Reward points on groceries are capped at 2,000 per month, limiting benefits in this category.
Welcome benefits are not explicitly offered with the HDFC Business Regalia Credit Card.
Cons
Key drawbacks and limitations.
Earns a lower 1% cashback on offline/online spends at non-partner merchants.
Accelerated 5% cashback is capped at 1,000 CashPoints per statement cycle.
A minimum of 500 CashPoints are required to redeem against statement balance.
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.