Infinia Metal Edition Credit Card
Rs 12,500Annual fee
Rs 10,00,000Fee waiver spend
UnlimitedDomestic lounge
Domestic lounge conditions
- A verification transaction fee of ₹2 is charged at domestic lounge terminals inside India for Visa cardholders, which is later reversed.
- Unlimited complimentary airport lounge access worldwide via Priority Pass (for both primary and add-on cardholders)
- Priority Pass lounge visits outside India by guests or visits exceeding the complimentary limit are charged at USD 27 + GST per person per visit. Add-on cardholders must use their own Priority Pass card; otherwise they are billed as guests.
2%Forex markup
Best for
Premium Travel, Lounge, SmartBuy, Golf, Luxury Lifestyle
Top rewards
SmartBuy Hotels: Up to 10X Reward Points; SmartBuy Flights: Up to 5X Reward Points; SmartBuy Gyftr: Up to 5X Reward Points
Diners Club Black Metal Edition Credit Card
Rs 10,000Annual fee
Rs 8,00,000Fee waiver spend
UnlimitedDomestic lounge
Domestic lounge conditions
- Unlimited complimentary airport lounge access worldwide for primary and add-on cardholders.
- Unlimited complimentary airport lounge access worldwide for primary and add-on cardholders.
2%Forex markup
Best for
Premium Travel, Lounge, SmartBuy, Dining, Golf
Top rewards
SmartBuy Hotels: Up to 10X Reward Points (10 RP / ₹150 spent via SmartBuy); SmartBuy Flights: Up to 5X Reward Points (5 RP / ₹150 spent via SmartBuy); SmartBuy Gyftr: Up to 3X Reward Points (15 RP / ₹150 spent on instant vouchers via SmartBuy)
| Feature | Infinia Metal Edition Credit Card | Diners Club Black Metal Edition Credit Card |
|---|---|---|
| Issuer | HDFC Bank | HDFC Bank |
| Network | Visa | Diners Club |
| Joining fee | Rs 12,500 | Rs 10,000 |
| Annual fee | Rs 12,500 | Rs 10,000 |
| Fee waiver spend | Rs 10,00,000 | Rs 8,00,000 |
| Reward type | Reward Points | Reward Points |
| Best for | Premium Travel, Lounge, SmartBuy, Golf, Luxury Lifestyle | Premium Travel, Lounge, SmartBuy, Dining, Golf |
| Top reward categories | SmartBuy Hotels: Up to 10X Reward Points; SmartBuy Flights: Up to 5X Reward Points; SmartBuy Gyftr: Up to 5X Reward Points | SmartBuy Hotels: Up to 10X Reward Points (10 RP / ₹150 spent via SmartBuy); SmartBuy Flights: Up to 5X Reward Points (5 RP / ₹150 spent via SmartBuy); SmartBuy Gyftr: Up to 3X Reward Points (15 RP / ₹150 spent on instant vouchers via SmartBuy) |
| SmartBuy / accelerated caps | SmartBuy Hotels: Daily 15,000 Reward Points, Monthly 15,000 Reward Points; SmartBuy Flights: Daily 15,000 Reward Points, Monthly 15,000 Reward Points; SmartBuy Gyftr: Daily 15,000 Reward Points, Monthly 3,000 Reward Points | SmartBuy Hotels: Daily 10,000 Reward Points, Monthly 10,000 Reward Points; SmartBuy Flights: Daily 10,000 Reward Points, Monthly 10,000 Reward Points; SmartBuy Gyftr: Daily 10,000 Reward Points, Monthly 3,000 Reward Points |
| Domestic lounge | Unlimited | Unlimited |
| International lounge | Unlimited | Unlimited |
| Forex markup | 2% | 2% |
| Milestone benefits | Not Listed | 10,000 bonus reward points per quarter on spends of ₹4 lakh or more, Renewal fee waived on spending ₹8 lakh in 12 months |
| Redemption | SmartBuy travel: upto Rs 1 per point; Air miles: upto Rs 1 per point; Statement credit: upto Rs 0.3 per point | SmartBuy travel: upto Rs 1 per point; Air miles: upto Rs 1 per point; Statement credit: upto Rs 0.3 per point |
| Key exclusions | fuel, rent, wallet loads, government transactions, cash withdrawal, emi transactions | fuel, rent, wallet loads, government transactions, cash withdrawal, emi transactions |