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In short: HDFC Diners Club Black has the lower annual fee (₹10,000 vs ₹12,500); both include unlimited domestic & international lounge access; both charge a 2% forex markup.
| Key facts | HDFC Diners Club Black | HDFC Infinia Metal Edition |
|---|---|---|
| Annual fee | ₹10,000 | ₹12,500 |
| Joining fee | ₹10,000 | ₹12,500 |
| Annual fee waived | On ₹5 lakh annual spend | On ₹10 lakh annual spend |
| Top reward rate | 2X Reward Points per ₹150 on Dining | 10X reward points on SmartBuy, IGP.com, Jockey and 1 more |
| Base rewards | 5 reward points For Every ₹150 | 5 Reward Points For Every ₹150 Spent |
| Lounge access | Unlimited domestic & international lounge access | Unlimited domestic & international lounge access |
| Forex markup | 2% | 2% |
From issuer benefit data, checked 4 Nov 2026. Milestones, welcome benefits and caps are in the full table below.
On ₹20,000 a month with ₹5,000 at each card's top rate, HDFC Infinia Metal Edition returns about ₹13,500 more a year after annual fees (₹26,000 vs ₹10,000 in rewards).
| Spend profile | HDFC Diners Club Black | HDFC Infinia Metal Edition |
|---|---|---|
| Reward value: top rate / base rate | 6.67% / 3.33% | 33.33% / 3.33% |
| ₹20,000 a month, all general spends | ₹8,000 | ₹8,000 |
| ₹20,000 a month, ₹5,000 of it at each card's top rate | ₹10,000 | ₹26,000 |
| Annual fee | ₹10,000 | ₹12,500 |
Estimates from the earn rates above, with stated cashback caps applied, before exclusions. Reward points are valued at the card's best listed redemption (often travel or vouchers via the bank's portal); cash-back on the statement is usually worth less. Annual fees may be waived on spend (see the table below).
The HDFC Bank Diners Club Black Credit Card and the Infinia Metal Edition HDFC Credit Card both offer premium benefits including unlimited domestic and international lounge access and 1% fuel surcharge waiver. While Diners Club Black focuses on a broad range of complimentary memberships and steady reward points, the Infinia Metal Edition delivers higher accelerated rewards on select brands and a welcome bonus. Both cards have high joining and renewal fees with fee waivers tied to significant annual spends.
Comparison notes and quick badges use AI, grounded in the benefit data shown in the table. Confirm details on each issuer’s site.
Last updated:
| Feature | HDFC Bank Diners Club Black Credit Card | Infinia Metal Edition Hdfc Credit Card |
|---|---|---|
| Bank | HDFC Bank | HDFC Bank |
| Network | Diners | Visa |
| Joining fee | Joining Fee of Rs.10000 | Joining Fee of Rs.12500 |
| Annual / renewal fee | Renewal Fee of Rs.10000 | Renewal Fee of Rs. 12500 |
| Annual fee waiver | Spend Rs.500000 For Renewal Fee Waiver | Spend Rs.10 Lakh For Renewal Fee Waiver |
| Top reward rate | Earn 2X Reward Points per Rs.150 on Dining | 10X reward points on SmartBuy, IGP.com, Jockey and 1 more |
| Base rate (other spends) | Earn 5 Rewards Points For Every Rs.150 | Earn 5 Reward Points For Every Rs.150 Spent |
| Lounge — domestic | Enjoy Unlimited Complimentary Lounge Visits in India | Enjoy Unlimited Complimentary Lounge Visits in India |
| Lounge — international | Enjoy Unlimited Complimentary International Lounge Visits | Enjoy Unlimited Complimentary International Lounge Visits |
| Fuel surcharge waiver | 1% Fuel Surcharge Waiver | 1% Fuel Surcharge Waiver |
| Welcome benefit | Complimentary Amazon Prime Annual Membership | Earn 12500 Reward Points As Welcome Benefit |
| Milestone benefit | Complimentary Amazon Prime Annual Membership; Complimentary Club Marriott Annual Membership | — |
| Foreign currency markup | 2% - Foreign Currency Transactions | 2% - Foreign Currency Transactions |
For rewards, the Infinia Metal Edition stands out with a top reward rate of 10X points on SmartBuy, IGP.com, Jockey, and more, compared to Diners Club Black’s 2X points on dining. Both cards offer a base reward rate of 5 points per Rs.150 spent. The Infinia’s welcome benefit of 12,500 points adds upfront value, and overall it delivers about Rs.26,000 a year in rewards at Rs.20,000 monthly spend, significantly higher than Diners Club Black’s Rs.10,000. If maximizing reward points on specific brands and categories matters, Infinia is superior.
Both cards provide unlimited complimentary domestic and international lounge access, making them equally strong for frequent travelers. Diners Club Black offers multiple complimentary memberships including Amazon Prime, Club Marriott, MakeMyTrip Black Gold, Swiggy One, and Times Prime, which can enhance travel and lifestyle experiences. Infinia includes a Club Marriott membership and also offers golf benefits like complimentary lessons and games, appealing to niche leisure travelers. Overall, travel benefits are comparable but differ in focus areas.
Both cards have high joining and renewal fees—Rs.10,000 for Diners Club Black and Rs.12,500 for Infinia Metal Edition. Fee waivers require substantial spends: Rs.5 lakh annually for Diners Club Black and Rs.10 lakh for Infinia. Forex markup fees are the same at 2%, and both provide a 1% fuel surcharge waiver. Neither card is low-fee or beginner-friendly given these costs and spend requirements, so consider your spending capacity carefully.
Infinia Metal Edition offers significantly higher accelerated rewards (up to 10X) on specific brands and categories, making it better for targeted spending. Diners Club Black provides a more balanced reward structure with 2X points on dining and 5 points on various everyday categories, supporting broader spending habits.
Diners Club Black includes multiple complimentary memberships such as Amazon Prime, Club Marriott, MakeMyTrip Black Gold, Swiggy One, and Times Prime, enhancing lifestyle value. Infinia offers a Club Marriott membership and exclusive golf-related benefits, catering to niche lifestyle preferences.
Diners Club Black requires Rs.5 lakh annual spend for renewal fee waiver, while Infinia demands a higher Rs.10 lakh spend. This difference impacts the effective cost of ownership depending on your spending capacity.
Consider HDFC Bank Diners Club Black Credit Card if you value a wide range of complimentary lifestyle and membership benefits such as Amazon Prime, MakeMyTrip Black Gold, and Swiggy One, alongside steady reward points and unlimited lounge access. It suits those who want a premium card with diverse perks and can meet the Rs.5 lakh annual spend for fee waiver.
Consider Infinia Metal Edition HDFC Credit Card if you prioritize higher reward points on select brands like SmartBuy, IGP.com, and Jockey, plus a generous welcome bonus. It is ideal for high spenders who can meet the Rs.10 lakh waiver threshold and appreciate additional perks like golf lessons and games, alongside premium travel benefits.
HDFC Bank Diners Club Black has a joining and renewal fee of Rs.10,000 each, while Infinia Metal Edition charges Rs.12,500 for both.
Yes, Diners Club Black waives the renewal fee if you spend Rs.5 lakh annually, and Infinia waives it with Rs.10 lakh annual spend.
Both cards charge a forex markup fee of 2% on foreign currency transactions.
Yes, both offer unlimited complimentary lounge visits domestically and internationally.
Diners Club Black offers 2X points on dining, while Infinia Metal Edition provides up to 10X points on select brands like SmartBuy and IGP.com, making Infinia better for targeted rewards.
Infinia Metal Edition offers 12,500 reward points as a welcome benefit, whereas Diners Club Black provides a complimentary Amazon Prime annual membership after meeting spend criteria.