HDFC Bank Infinia Metal Edition vs HDFC Bank Diners Club Black Metal Edition
HDFC Bank Infinia Metal Edition is easier to justify if up to 10X Reward Points HDFC Bank Diners Club Black Metal Edition is easier to justify if you prefer the lower listed annual fee (Rs 10,000).
Choose HDFC Bank Infinia Metal Edition if...
- Up to 10X Reward Points
Choose HDFC Bank Diners Club Black Metal Edition if...
- You prefer the lower listed annual fee (Rs 10,000).
- Up to 10X Reward Points (10 RP / Rs 150 spent via SmartBuy)
Fees, rewards and benefits compared
| Feature | HDFC Bank Infinia Metal Edition Credit Card | HDFC Bank 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 lakh | Rs 8 lakh |
| Best use case | Best for SmartBuy Hotels | Best for SmartBuy Hotels |
| Reward type | reward points | reward points |
| Top rewards | 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 / Rs 150 spent via SmartBuy); smartbuy flights: Up to 5X Reward Points (5 RP / Rs 150 spent via SmartBuy); smartbuy gyftr: Up to 3X Reward Points (15 RP / Rs 150 spent on instant vouchers via SmartBuy) |
| Domestic lounge | Unlimited | Unlimited |
| International lounge | Unlimited | Unlimited |
| Forex markup | 2% | 2% |
| Milestone benefits | Not clearly available in our current data. | 10,000 bonus reward points per quarter on spends of Rs 4 lakh or more |
| Redemption | Statement balance: up to Rs 0.3 per point; Air miles: up to Rs 1 per point; SmartBuy flight/hotel: up to Rs 1 per point; 16 airline transfer partners listed; 6 hotel transfer partners listed | Statement balance: up to Rs 0.3 per point; Air miles: up to Rs 1 per point; SmartBuy flight/hotel: up to Rs 1 per point; 16 airline transfer partners listed; 6 hotel transfer partners listed |
| Key exclusions | fuel; rent; wallet loads; government transactions; cash withdrawal | fuel; rent; wallet loads; government transactions; cash withdrawal |
Rewards comparison
HDFC Bank Infinia Metal Edition Credit Card: Up to 10X Reward Points
HDFC Bank Diners Club Black Metal Edition Credit Card: Up to 10X Reward Points (10 RP / Rs 150 spent via SmartBuy)
Lounge access comparison
Use the side-by-side table above for domestic and international lounge counts from the current card data.
Forex and international travel comparison
HDFC Bank Infinia Metal Edition lists a 2% forex markup. HDFC Bank Diners Club Black Metal Edition lists a 2% forex markup. Check issuer terms before using either card for large international spends.
Exclusions and limitations
Review the exclusions row carefully. Reward caps, merchant restrictions, and excluded spends can materially change real value.
Final recommendation
Start with HDFC Bank Diners Club Black Metal Edition if fee recovery is your first filter. Consider HDFC Bank Infinia Metal Edition if listed lounge access matters more, and HDFC Bank Infinia Metal Edition if forex markup is a key part of your travel spends. Verify issuer terms before applying.
Common questions
Which card has the lower annual fee: HDFC Bank Infinia Metal Edition or HDFC Bank Diners Club Black Metal Edition?
HDFC Bank Diners Club Black Metal Edition lists the lower annual fee in our current data.
Which card is better for lounge access?
Both cards show similar total lounge access in our current data. Check domestic, international, guest, and spend-condition details before deciding.
Which card has lower forex markup?
Both cards list a 2% forex markup in our current data.
Do affiliate links affect this comparison?
No. The comparison uses existing card data. Apply links may be affiliate links, but they do not change the displayed fees, rewards, or limitations.
What should I verify before applying?
Check issuer terms for latest fees, eligibility, reward caps, lounge rules, exclusions, and redemption options before applying.
Affiliate disclosure: Apply links may be affiliate links. We may earn a commission if you apply and are approved, but this comparison uses existing card data and does not change affiliate or apply link behavior.
Last updated: May 2026