HDFC Bank Diners Club Black Metal vs Infinia Metal Credit Card
HDFC Bank · HDFC Bank — side-by-side CardCheck comparison
CardCheck Score BattleDeterministic 0–100 Benchmark Rating
100% Unsponsored MITC Data
HDFC BankScoreExcellent
Annual Fee₹10,000
Max Reward10%
HDFC BankScoreExcellent
Annual Fee₹12,500
Max Reward10%
Even Match: Both cards tie with an identical CardCheck Score of 85/100.
4-Pillar Head-to-Head Breakdown
HDFC vs InfiniaReward Power
35%HDFC35/35
Infinia35/35
Tie (35/35)
Fee Value & ROI
25%HDFC18/25
Infinia18/25
Tie (18/25)
Lounge & Travel
20%HDFC20/20
Infinia20/20
Tie (20/20)
Forex & Access
20%HDFC12/20
Infinia12/20
Tie (12/20)
01—CardCheck Score & Pillars
- CardCheck Score
- 85
- 85
- Rating Verdict
- Excellent
- Excellent
- Reward Power (35%)
- 35/35
- 35/35
- Fee Value & ROI (25%)
- 18/25
- 18/25
- Lounge & Travel (20%)
- 20/20
- 20/20
- Forex & Access (20%)
- 12/20
- 12/20
02—Basic Info
- Bank
- HDFC Bank
- HDFC Bank
- Network
- Diners
- Visa
- Card type
- Premium
- Premium
- Best for
- Travel and lifestyle benefits
- Travel and lifestyle benefits
03—Fees
- Joining fee
- ₹10,000Best
- ₹12,500
- Annual fee
- ₹10,000Best
- ₹12,500
- Fee waiver
- ₹8,00,000Best
- ₹10,00,000
- Interest-free days
- 50
- 50
04—Interest
- APR (min)
- 23.88%
- 23.88%
- APR (max)
- 23.88%Best
- 42%
- Cash advance fee
- 23.88%
- 2.5%Best
05—Rewards
- Reward type
- points
- points
- Min rate
- 3.33%
- 3.33%
- Max rate
- 10%
- 10%
- Points / ₹100
- 3.33
- 3.33
- Point value
- ₹1
- ₹1
06—Travel & Lounge
- Domestic lounge / qtr
- —
- Unlimited
- Lounge spend criteria
- No spend condition
- No spend condition
- Priority Pass
- DreamFolks
07—Forex & Fuel
- Forex markup
- 2%
- 2%
- Fuel surcharge waiver
08—Features
- Metal card
- Contactless
- UPI linked
09—Eligibility
- Min income / month
- ₹2,50,000
- —
- Invite only
Rows won
04of 05
01of 05
| Attribute ↓ | ||
|---|---|---|
01—CardCheck Score & Pillars Differences highlighted | ||
| CardCheck Score | 85 | 85 |
| Rating Verdict | Excellent | Excellent |
| Reward Power (35%) | 35/35 | 35/35 |
| Fee Value & ROI (25%) | 18/25 | 18/25 |
| Lounge & Travel (20%) | 20/20 | 20/20 |
| Forex & Access (20%) | 12/20 | 12/20 |
02—Basic Info Differences highlighted | ||
| Bank | HDFC Bank | HDFC Bank |
| Network | Diners | Visa |
| Card type | Premium | Premium |
| Best for | Travel and lifestyle benefits | Travel and lifestyle benefits |
03—Fees Differences highlighted | ||
| Joining fee | ₹10,000Best | ₹12,500 |
| Annual fee | ₹10,000Best | ₹12,500 |
| Fee waiver | ₹8,00,000Best | ₹10,00,000 |
| Interest-free days | 50 | 50 |
04—Interest Differences highlighted | ||
| APR (min) | 23.88% | 23.88% |
| APR (max) | 23.88%Best | 42% |
| Cash advance fee | 23.88% | 2.5%Best |
05—Rewards Differences highlighted | ||
| Reward type | points | points |
| Min rate | 3.33% | 3.33% |
| Max rate | 10% | 10% |
| Points / ₹100 | 3.33 | 3.33 |
| Point value | ₹1 | ₹1 |
06—Travel & Lounge Differences highlighted | ||
| Domestic lounge / qtr | — | Unlimited |
| Lounge spend criteria | No spend condition | No spend condition |
| Priority Pass | ||
| DreamFolks | ||
07—Forex & Fuel Differences highlighted | ||
| Forex markup | 2% | 2% |
| Fuel surcharge waiver | ||
08—Features Differences highlighted | ||
| Metal card | ||
| Contactless | ||
| UPI linked | ||
09—Eligibility Differences highlighted | ||
| Min income / month | ₹2,50,000 | — |
| Invite only | ||
| Rows won | 04of 05 | 01of 05 |
Quick Verdict & Key Differences
Verified MITC Data
| Key Specification | HDFC Bank Diners Club Black Metal | Infinia Metal Credit Card |
|---|---|---|
| CardCheck Score | 85/100Excellent | 85/100Excellent |
| Annual Fee | ₹10,000 | ₹12,500 |
| Fee Waiver Spend | ₹8L/yr | ₹10L/yr |
| Max Reward Potential | 10% | 10% |
| Domestic Lounge Access | Check terms | Unlimited |
| International Lounge | Priority Pass (Select) | Priority Pass (Select) |
| Forex Markup Fee | 2% | 2% |
Choose HDFC Bank Diners Club Black Metal if:
Your spending centers around travel and lifestyle benefits and you want direct partner rewards with HDFC Bank.
Choose Infinia Metal Credit Card if:
Your spending aligns with travel and lifestyle benefits and you prioritize HDFC Bank's redemption benefits.
Popular Comparisons for HDFC Bank Diners Club Black Metal
Direct side-by-side MITC term matchups
Popular Comparisons for Infinia Metal Credit Card
Direct side-by-side MITC term matchups
Frequently asked questions: HDFC Bank Diners Club Black Metal vs Infinia Metal Credit Card
- Which is better: HDFC Bank Diners Club Black Metal or Infinia Metal Credit Card?
- Both HDFC Bank Diners Club Black Metal and Infinia Metal Credit Card tie with an identical CardCheck Score of 85/100 (Excellent). Your choice should depend on specific category preferences and whether you prefer HDFC Bank's or HDFC Bank's merchant partnerships.
- How do annual fees and fee waiver spend rules compare?
- HDFC Bank Diners Club Black Metal charges an annual fee of ₹10,000 with an annual spend threshold of ₹8 Lakh for renewal fee waiver. In comparison, Infinia Metal Credit Card charges an annual fee of ₹12,500 with an annual spend threshold of ₹10 Lakh.
- How do the reward rates and cashback compare between HDFC Bank Diners Club Black Metal and Infinia Metal Credit Card?
- HDFC Bank Diners Club Black Metal offers a base reward rate of 3.33% and up to 10% on accelerated partner categories. Meanwhile, Infinia Metal Credit Card offers a base rate of 3.33% and up to 10% on eligible spends. Compare net returns against your monthly spend in our Rewards Calculator.
- Which card has better airport lounge access: HDFC Bank Diners Club Black Metal or Infinia Metal Credit Card?
- HDFC Bank Diners Club Black Metal provides complimentary Priority Pass for international lounges. On the other hand, Infinia Metal Credit Card provides unlimited complimentary domestic airport lounge access and complimentary Priority Pass for international lounges with no prior spend requirement.
- Which card is better for international foreign currency spends?
- HDFC Bank Diners Club Black Metal levies a foreign currency markup fee of 2%, while Infinia Metal 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).