HDFC Infinia vs Diners Club Black: An in-depth comparison

Pranav Pranav Follow Jan 04, 2020 · 4 mins read · 0 comments
HDFC Infinia vs Diners Club Black: An in-depth comparison

HDFC Infinia or Diners Club Black: which one is better? I have been asked this question multiple times and hence I decided to write an in-depth comparison between the two.

Those who are not aware, HDFC Infinia and Diners Club Black, both are super premium credit cards from HDFC Bank. Both these cards feature great reward rate, unlimited airport lounge access, golf privileges, 24x7 concierge, insurance cover and dedicated support line. However there are some subtle differences between the two which I am going to show you in a while. Let’s get started!

HDFC Infinia vs Diners Club Black

HDFC Infinia Diners Club Black
Network Visa Infinite & MasterCard World Diners Club
Monthly Income for Eligibility Rs. 3.75 Lakhs and above Rs. 1.75 Lakhs and above
Annual Fee Rs. 10,000 + GST Rs. 10,000 + GST
Spend based annual fee waiver Rs. 8 Lakhs Rs. 5 Lakhs
Credit Limit Rs. 8 Lakhs and above Rs. 5 Lakhs and above
No Pre-set Spending Limit (NPSL) Available Not available
Welcome Benefit 10,000 reward points & Club Marriott Membership Yearly Memberships
  • Club Marriott
  • Forbes Digital subscription
  • Zomato Gold
  • Amazon Prime
  • MakeMyTrip Double Black
  • Times Prime
Renewal Benefit 10,000 reward points Nil
Reward Rate 3.3% 3.3%
10X reward points SmartBuy Portal SmartBuy Portal and partner brands
2X reward points Dining Weekend Dining
AirMile transfer partners
  • InterMiles
  • Singapore Airlines (KrisFlyer Miles)
  • InterMiles
  • Singapore Airlines (KrisFlyer Miles)
  • British Airways Executive Club (Avios)
  • Club Vistara
Maxcap on bonus 10X reward points 25,000 on SmartBuy 15,000 on SmartBuy, 25,000 on partner brands
Yearly Milestone Benefits Nil Annual memberships renewed on spending Rs. 8 Lakhs in a year
Monthly Milestone Benefits Nil BookMyShow voucher, TataCLiQ voucher or Ola Select membership worth Rs. 1,000 on spending Rs. 80,000 in a month
International Airport Lounge Access Unlimited for primary as well as add-on card members using Priority Pass Unlimited for primary as well as add-on card members using Diners Club
Domestic Airport Lounge Access Unlimited for primary as well as add-on card members using Priority Pass Unlimited for primary as well as add-on card members using Diners Club
Airport Lounges in network 1300+ 1000+
Complimentary Golf games Unlimited 6 per annum
Revolving Credit Charges 1.99% 1.99%
Cash Advance Charges Nil 2.5% of amount withdrawn or Rs. 500, whichever is higher
Late Payment Charges Nil Up to Rs. 950
Overlimit Charges Nil 2.5% of overlimit amount, minimum Rs. 500
Forex Markup 2% + GST 1.99% + GST
24/7 Concierge Available Available
Credit Shield Rs. 9 Lakhs Rs. 9 Lakhs
Air Accidental Death Coverage Rs. 3 Crores Rs. 2 Crores
Emergency Overseas Hospitalization Coverage Rs. 50 Lakhs Rs. 50 Lakhs
Travel Insurance Cover Nil Rs. 55,000 on baggage delay
Domestic Acceptance Excellent Very Good (~95%)
International Acceptance Excellent Good (~75%)
Dedicated support line Available Available


It’s evident from above comparison chart that both cards are neck-to-neck in features and rewards. Both card offer great default reward rate and equivalent features. You can never go wrong in getting either of the two.

However if you see your self traveling internationally a lot, consider going for HDFC Bank Infinia Credit Card due to better acceptance. And if your primary concern is reward rate, go for HDFC Diners Club Black as monthly milestone benefits push the reward rate further by 1.25%, making it overall 4.55%.

Given a choice of HDFC Infinia or Diners Club Black, which one would you go for and why? Let me know quickly by commenting below.

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Written by Pranav Follow
Hi, I am Pranav! I love to acquire, review and earn reward points/cashback from Credit Cards. Guiding people about benefits and optimal utilization of credit cards for years.
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