Diners Club Black 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
Diners vs InfiniaReward Power
35%Diners35/35
Infinia35/35
Tie (35/35)
Fee Value & ROI
25%Diners18/25
Infinia18/25
Tie (18/25)
Lounge & Travel
20%Diners20/20
Infinia20/20
Tie (20/20)
Forex & Access
20%Diners12/20
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
- Ultra-premium lifestyle — unlimited lounge, dining, golf and 3.3% rewards
- 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)
- 42%
- 42%
- APR (max)
- 42%
- 23.88%Best
- Late payment fee
- —
- ₹50,000
05—Rewards
- Reward type
- points
- points
- Min rate
- 3.3%
- 3.3%
- Max rate
- 10%
- 10%
06—Travel & Lounge
- Domestic lounge / qtr
- Unlimited
- Unlimited
- Priority Pass
- DreamFolks
07—Forex & Fuel
- Forex markup
- 2%
- 2%
- Fuel surcharge waiver
08—Features
- Metal card
- Contactless
- UPI linked
09—Eligibility
- Min age
- 21
- 21
- Min income / month
- ₹2,50,000
- ₹3,00,000
- Min CIBIL
- 800
- 800
- Invite only
Rows won
03of 04
01of 04
| Attribute ↓ | ★ Overall pick Column A | Column B |
|---|---|---|
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 | Ultra-premium lifestyle — unlimited lounge, dining, golf and 3.3% rewards | 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) | 42% | 42% |
| APR (max) | 42% | 23.88%Best |
| Late payment fee | — | ₹50,000 |
05—Rewards Differences highlighted | ||
| Reward type | points | points |
| Min rate | 3.3% | 3.3% |
| Max rate | 10% | 10% |
06—Travel & Lounge Differences highlighted | ||
| Domestic lounge / qtr | Unlimited | Unlimited |
| 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 age | 21 | 21 |
| Min income / month | ₹2,50,000 | ₹3,00,000 |
| Min CIBIL | 800 | 800 |
| Invite only | ||
| Rows won | 03of 04 | 01of 04 |
Quick Verdict & Key Differences
Verified MITC Data
| Key Specification | Diners Club Black | 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 | Unlimited | Unlimited |
| International Lounge | Priority Pass (Select) | Priority Pass (Select) |
| Forex Markup Fee | 2% | 2% |
Choose Diners Club Black if:
Your spending centers around ultra-premium lifestyle — unlimited lounge, dining, golf and 3.3% rewards 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.
Frequently asked questions: Diners Club Black vs Infinia Metal Credit Card
- Which is better: Diners Club Black or Infinia Metal Credit Card?
- Both Diners Club Black 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?
- Diners Club Black 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 Diners Club Black and Infinia Metal Credit Card?
- Diners Club Black offers a base reward rate of 3.3% and up to 10% on accelerated partner categories. Meanwhile, Infinia Metal Credit Card offers a base rate of 3.3% 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: Diners Club Black or Infinia Metal Credit Card?
- Diners Club Black provides standard lounge access terms subject to bank quarterly spend criteria. On the other hand, Infinia Metal Credit Card provides standard lounge access terms subject to bank quarterly spend criteria. Note that most issuers now require meeting minimum quarterly spend criteria (typically ₹10,000 to ₹50,000 in the preceding quarter) to unlock lounge access.
- Which card is better for international foreign currency spends?
- Diners Club Black 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).