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In short: HDFC Diners Club Black Metal Edition 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 Metal Edition | HDFC Infinia Metal Edition |
|---|---|---|
| Annual fee | ₹10,000 | ₹12,500 |
| Joining fee | ₹10,000 | ₹12,500 |
| Annual fee waived | On ₹8 lakh annual spend | On ₹10 lakh annual spend |
| Top reward rate | 5 reward points For Every ₹150 | 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 ₹15,500 more a year after annual fees (₹26,000 vs ₹8,000 in rewards).
| Spend profile | HDFC Diners Club Black Metal Edition | HDFC Infinia Metal Edition |
|---|---|---|
| Reward value: top rate / base rate | 3.33% / 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 | ₹8,000 | ₹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 Metal Edition Credit Card and the Infinia Metal Edition Hdfc Credit Card both offer premium benefits including unlimited domestic and international lounge access. While both cards have a forex markup fee of 2%, they differ in joining fees, rewards structure, and milestone benefits. This comparison highlights their rewards potential, travel perks, and fee waivers to help you decide which suits your spending habits better.
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 Metal Edition 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.800000 For Renewal Fee Waiver | Spend Rs.10 Lakh For Renewal Fee Waiver |
| Top reward rate | Earn 5 Rewards Points For Every Rs.150 | 10X reward points on SmartBuy, IGP.com, Jockey and 1 more |
| Base rate (other spends) | — | 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 |
| Welcome benefit | Complimentary Amazon Prime Annual Membership | Earn 12500 Reward Points As Welcome Benefit |
| Milestone benefit | Earn 10000 Bonus Reward Points on Spend of Rs.4 Lakhs | — |
| Foreign currency markup | 2% - Foreign Currency Transactions | 2% - Foreign Currency Transactions |
When it comes to rewards, the Infinia Metal Edition Hdfc Credit Card clearly leads with a significantly higher top reward rate, offering 10X points on select platforms like SmartBuy and others, compared to the Diners Club Black Metal Edition's 5X points on Smartbuy and 2X on weekend dining. The Infinia card's welcome benefit of 12,500 reward points also adds upfront value. At Rs.20,000 monthly spend, the Infinia card can deliver about Rs.26,000 in rewards annually, versus around Rs.8,000 for the Diners Black Metal card. However, the Diners card offers a milestone bonus of 10,000 points on quarterly spends of Rs.4 lakhs, which the Infinia card lacks. Overall, Infinia is better for maximizing rewards, especially on premium categories.
Both cards provide unlimited complimentary lounge access domestically and internationally, making them strong contenders for frequent travelers. The Diners Club Black Metal Edition includes golf game benefits with 6 complimentary games every quarter, while the Infinia card offers unlimited complimentary golf games along with golf lessons, which may appeal more to golf enthusiasts. Both cards have a 2% forex markup fee, so neither has an advantage there. Travel benefits are closely matched, with Infinia's additional golf coaching and unlimited golf games being a slight edge for lifestyle-focused travelers.
The Diners Club Black Metal Edition has a joining and renewal fee of Rs.10,000 each, with a waiver on renewal if you spend Rs.8 lakhs annually. The Infinia Metal Edition has higher fees at Rs.12,500 but requires a higher spend of Rs.10 lakhs for fee waiver. Additionally, Infinia offers a 1% fuel surcharge waiver starting October 2025, which the Diners card does not list. For users mindful of fees and easier waiver thresholds, the Diners Club card is more accessible, while Infinia demands a higher spend but offers more premium rewards.
The Diners Club Black Metal Edition offers 6 complimentary golf games every quarter, whereas the Infinia card provides unlimited complimentary golf games plus golf coaching lessons. This makes Infinia more attractive for avid golfers seeking premium lifestyle perks.
The Diners Club Black Metal Edition includes complimentary annual memberships such as Amazon Prime, Club Marriott, and Swiggy One after minimum spends. In contrast, Infinia offers a welcome benefit of 12,500 reward points and Club Marriott membership but does not list other memberships in our data.
Infinia Metal Edition offers a 1% fuel surcharge waiver starting from October 2025, which can reduce costs on fuel spends. This benefit is not listed for the Diners Club Black Metal Edition.
Consider Hdfc Bank Diners Club Black Metal Edition Credit Card if you prefer a lower joining fee with a relatively easier renewal fee waiver threshold of Rs.8 lakhs annually. It suits those who value a steady 5X rewards rate across multiple everyday categories like grocery, insurance, and telecom, plus milestone bonuses and golf game benefits. This card is also a good fit if you want complimentary memberships like Amazon Prime and Club Marriott as part of your welcome benefits.
Consider Infinia Metal Edition Hdfc Credit Card if you want to maximize your rewards, especially on premium spends like Apple products, flights, and select partner brands with 10X points. It is ideal for high spenders comfortable with a Rs.12,500 fee and a Rs.10 lakh waiver threshold. The card also appeals to golf enthusiasts with unlimited golf games and lessons, and offers a 1% fuel surcharge waiver. If you want a strong welcome reward and the highest reward potential, Infinia is the better choice.
The Hdfc Bank Diners Club Black Metal Edition Credit Card has a joining and renewal fee of Rs.10,000 each, while the Infinia Metal Edition Hdfc Credit Card charges Rs.12,500 for both joining and renewal.
Yes, the Diners Club Black Metal Edition waives the renewal fee if you spend Rs.8 lakhs annually, whereas the Infinia card requires Rs.10 lakhs annual spend for the renewal fee waiver.
The Infinia Metal Edition Hdfc Credit Card offers superior rewards with 10X points on SmartBuy, IGP.com, Jockey, and other select brands, compared to the Diners Club Black Metal Edition's 5X points on Smartbuy and 2X on weekend dining.
Both cards charge a 2% forex markup fee on foreign currency transactions.
Yes, both cards offer unlimited complimentary lounge visits in India and internationally.
The Infinia Metal Edition Hdfc Credit Card offers a 1% fuel surcharge waiver starting October 2025, while this benefit is not listed for the Diners Club Black Metal Edition.