Infinia Metal Credit Card
HDFC Bank
HDFC Bank Diners Club Privilege Credit Card
HDFC Bank
CASHBACK SBI Card
SBI Card
- CardCheck Score
- 85Best
- 82
- 70
- Rating Verdict
- Excellent
- Excellent
- Very Good
- Reward Power (35%)
- 35/35
- 34/35
- 34/35
- Fee Value & ROI (25%)
- 18/25
- 18/25
- 20/25
- Lounge & Travel (20%)
- 20/20
- 18/20
- 4/20
- Forex & Access (20%)
- 12/20
- 12/20
- 12/20
- Bank
- HDFC Bank
- HDFC Bank
- SBI Card
- Network
- Visa
- Diners
- Visa
- Card type
- Premium
- Premium
- Regular
- Best for
- Travel and lifestyle benefits
- Best value Diners card — dining, movies, SmartBuy 10x, lounges at ₹1,000 fee
- Online cashback
- Joining fee
- ₹12,500
- ₹1,000
- ₹999Best
- Annual fee
- ₹12,500
- ₹1,000
- ₹999Best
- Fee waiver
- ₹10,00,000
- ₹3,00,000
- ₹2,00,000Best
- Interest-free days
- 50
- —
- 50
- APR (min)
- 23.88%Best
- 45%
- 42%
- APR (max)
- 42%Best
- 45%
- 42%Best
- Late payment fee
- —
- —
- ₹1,300
- Cash advance fee
- 2.5%
- 2.5%
- 2.5%
- Reward type
- points
- points
- cashback
- Min rate
- 3.33%Best
- 1.33%
- 1%
- Max rate
- 10%Best
- 6.67%
- 5%
- Points / ₹100
- 3.33Best
- 2.67
- —
- Point value
- ₹1
- ₹0.2
- —
- Monthly cap
- —
- —
- ₹4,000
- Domestic lounge / qtr
- Unlimited
- 2
- 0
- Lounge spend criteria
- No spend condition
- No spend condition
- —
- Intl lounge / year
- —
- 8Best
- 0
- Priority Pass
- DreamFolks
- Forex markup
- 2%Best
- 2%Best
- 3.5%
- Fuel surcharge waiver
- Metal card
- Contactless
- UPI linked
- Min age
- 21
- 21
- 21
- Min income / month
- —
- ₹35,000
- ₹25,000
- Min CIBIL
- 750
- 750
- —
- Invite only
| Attribute ↓ | ★ Overall pick Column A | Column B | Column C |
|---|---|---|---|
01—CardCheck Score & Pillars Differences highlighted | |||
| CardCheck Score | 85Best | 82 | 70 |
| Rating Verdict | Excellent | Excellent | Very Good |
| Reward Power (35%) | 35/35 | 34/35 | 34/35 |
| Fee Value & ROI (25%) | 18/25 | 18/25 | 20/25 |
| Lounge & Travel (20%) | 20/20 | 18/20 | 4/20 |
| Forex & Access (20%) | 12/20 | 12/20 | 12/20 |
02—Basic Info Differences highlighted | |||
| Bank | HDFC Bank | HDFC Bank | SBI Card |
| Network | Visa | Diners | Visa |
| Card type | Premium | Premium | Regular |
| Best for | Travel and lifestyle benefits | Best value Diners card — dining, movies, SmartBuy 10x, lounges at ₹1,000 fee | Online cashback |
03—Fees Differences highlighted | |||
| Joining fee | ₹12,500 | ₹1,000 | ₹999Best |
| Annual fee | ₹12,500 | ₹1,000 | ₹999Best |
| Fee waiver | ₹10,00,000 | ₹3,00,000 | ₹2,00,000Best |
| Interest-free days | 50 | — | 50 |
04—Interest Differences highlighted | |||
| APR (min) | 23.88%Best | 45% | 42% |
| APR (max) | 42%Best | 45% | 42%Best |
| Late payment fee | — | — | ₹1,300 |
| Cash advance fee | 2.5% | 2.5% | 2.5% |
05—Rewards Differences highlighted | |||
| Reward type | points | points | cashback |
| Min rate | 3.33%Best | 1.33% | 1% |
| Max rate | 10%Best | 6.67% | 5% |
| Points / ₹100 | 3.33Best | 2.67 | — |
| Point value | ₹1 | ₹0.2 | — |
| Monthly cap | — | — | ₹4,000 |
06—Travel & Lounge Differences highlighted | |||
| Domestic lounge / qtr | Unlimited | 2 | 0 |
| Lounge spend criteria | No spend condition | No spend condition | — |
| Intl lounge / year | — | 8Best | 0 |
| Priority Pass | |||
| DreamFolks | |||
07—Forex & Fuel Differences highlighted | |||
| Forex markup | 2%Best | 2%Best | 3.5% |
| Fuel surcharge waiver | |||
08—Features Differences highlighted | |||
| Metal card | |||
| Contactless | |||
| UPI linked | |||
09—Eligibility Differences highlighted | |||
| Min age | 21 | 21 | 21 |
| Min income / month | — | ₹35,000 | ₹25,000 |
| Min CIBIL | 750 | 750 | — |
| Invite only | |||
| Rows won | 07of 11 | 01of 11 | 03of 11 |
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Frequently Asked Questions: Infinia Metal Credit Card vs HDFC Bank Diners Club Privilege Credit Card
Which is better: Infinia Metal Credit Card or HDFC Bank Diners Club Privilege Credit Card?
Infinia Metal Credit Card holds a higher overall rating with a CardCheck Score of 85/100 (Excellent) compared to 82/100 (Excellent) for HDFC Bank Diners Club Privilege Credit Card (a lead of +3 points). Infinia Metal Credit Card is classified in our Elite tier due to superior spend returns and comprehensive travel perks.
How do annual fees and fee waiver spend rules compare?
Infinia Metal Credit Card charges an annual fee of ₹12,500 with an annual spend threshold of ₹10 Lakh for renewal fee waiver. In comparison, HDFC Bank Diners Club Privilege Credit Card charges an annual fee of ₹1,000 with an annual spend threshold of ₹3 Lakh.
How do the reward rates and cashback compare between Infinia Metal Credit Card and HDFC Bank Diners Club Privilege Credit Card?
Infinia Metal Credit Card offers a base reward rate of 3.33% and up to 10% on accelerated partner categories. Meanwhile, HDFC Bank Diners Club Privilege Credit Card offers a base rate of 1.33% and up to 6.67% on eligible spends. Compare net returns against your monthly spend in our Rewards Calculator.
Which card has better airport lounge access: Infinia Metal Credit Card or HDFC Bank Diners Club Privilege Credit Card?
Infinia Metal Credit Card provides unlimited complimentary domestic airport lounge access and complimentary Priority Pass for international lounges with no prior spend requirement. On the other hand, HDFC Bank Diners Club Privilege Credit Card provides 2 complimentary domestic lounge visits per quarter (8/year) and 8 international lounge visits/year with Priority Pass.
Which card is better for international foreign currency spends?
Infinia Metal Credit Card levies a foreign currency markup fee of 2%, while HDFC Bank Diners Club Privilege Credit Card charges 2%. Lower forex markup directly reduces costs when transacting overseas or on international e-commerce platforms.
Is CardCheck's comparison data unbiased and verified against official bank MITC?
Yes. All credit card fees, interest rates, lounge visit quotas, and reward calculations on CardCheck are 100% unsponsored and verified directly against each bank's official Most Important Terms & Conditions (MITC).