There are many super premium, advantageous, high rewards benefits credit cards of HDFC present in the market. Among those many cards, the two most notable credit cards are HDFC Diners Black vs Infinia credit cards!
These cards are among the top credit cards by HDFC and caters its users well with its services and benefits. These cards are considered as the premium cards by HDFC as they provide their users the high class services and access as compared to other credit cards.
These premium cards are designed specially to cater the high end preferences and requirements of the people. However, falling into the category of super premium cards, both of these differ from each other on several factors! So, which is the better one among the two?
So without any delay let’s get started with the comparative analysis of HDFC Diners Black vs Infinia credit cards!
(1) Introduction: HDFC Diners Black vs Infinia
The Housing Development Finance Corporation, i.e. HDFC launched their Diners Black credit card on January 20th, 2013, as a result of a collaboration deal between HDFC Bank and Diners Club International. Whereas, Infinia credit card by HDFC was launched on July 12th, 2013.
The cards are aimed at individuals with high net worth and are a premium credit card. These card eligibility criteria involve different requirements set and are little costly.
To know about in detail the difference between HDFC Diners Black vs Infinia Credit Card, let’s have a look at the comparative analysis of the two!
(2) Comparison: HDFC Diners Black vs Infinia Credit Cards
The comparison between these two most famous credit cards by HDFC will incorporate factors like the fee structure, rewards program, travel benefits, other factor comparative analysis, and more of it.
Both the credit cards offer amazing membership as a welcome gift and follows a different criteria for waving off or turning down the annual fee charges.
Let’s start with each of the comparison factors!
(2.1) Fee Structure Comparison
The one thing that stays common between Diners Black vs Infinia, is that both the credit cards offer their users with the membership from famous platforms.
| Factors | Diners Black Credit Card | Infinia Credit Card |
| Joining fee | Rs.10,000+taxes (GST) | Rs.12,500+taxes (GST) |
| Annual fee | Rs.10,000+taxes (GST) | Rs.12,500+taxes (GST) |
| Annual fees waiver (turning down) | Annual fee gets waived off if the spend Rs.5 lakh in a year. | The fee is waived off if the annual spend is Rs.10 lakh. |
| Welcome bonus | This credit card offers annual memberships of Swiggy One (for about 3 months), Forbes India, Club Marriott, Amazon Prime, MakeMyTrip Black, and also TimesPrime Smart on spending Rs 1.5 lakhs in 90 days of purchasing the card. | This one offers welcome benefits like Club Marriott membership for the first year, and with that, 12,500 reward points if joining fees are paid off. |
| Renewal fee benefit | The welcome benefit memberships offered by the card get renewed on spending Rs 8 Lakhs. | The card offers 12,500 reward points if the renewal fee is paid. |
| Forex markup fee | It charges a minimum percentage of 2% as the foreign exchange markup fee. | The card also charges around 2% as its forex markup fee. |
Between both the credit cards, Infinia credit card charges a little higher joining fee as compared to Diners black credit card, and is so far the most premium credit card by HDFC. Diners black also falls under the premium cards category by HDFC.
Looking at the welcome gift benefits by both the credit cards, here Diners black credit cards offers more membership as compared to Infinia credit cards.
(2.2) Rewards Structure Comparison
Both the credit cards follow nearly the same structure for their reward benefits. These credit cards are also suitable for the Smartbuy rewards, while the Diners black credit card offers extra rewards on weekend dining.
| Factors | Diners Black Credit Card | Infinia Credit Card |
| Common rewards | Get awarded with 5 reward points on every Rs.150 spent. | Get 5 reward points on each Rs.150 spent. |
| Smartbuy rewards | Get upto 10X rewards on Smartbuy. | This one also provides 10X rewards on Smartbuy. |
| Grocery transactions rewards | Get upto maximum of 2,000 reward points on grocery transactions per calendar year. | Provides 2,000 reward points per calendar year on grocery transactions. |
| Extra rewards | Get extra rewards of maximum of 1000 reward points on weekend dining only. | N/A |
| Rewards on insurance transactions | Get maximum of 5,000 reward points on insurance transactions every day. | Get awarded with 5,000 reward points every day on insurance transactions. |
| Rewards on wallet, rent, government services, and fuel | Offers no rewards. | No rewards for these categories. |
| Redemption of rewards | Reward points can be redeemed on AirMiles, Hotel bookings, flight bookings, Cashbacks, On Diners Club exclusive reward redemption catalog, | The reward points can be redeemed on Airlines vouchers, Product vouchers, Hotel bookings,Flight bookings, Tanishq vouchers, Apple vouchers, and also Cashbacks. |
As we look at the above table, both the credit cards have a similar approach towards the reward criteria.
While one of the most distinguishing features between Diners black vs Infinia is that, the Diners black credit card offers more rewards on dining on weekends, while there is no such service provided by Infinia credit card.
(2.3) Card Coverage Comparison
Both the cards can be used for international purposes however they differ on the networks they operate.
| Factors | Diners Black Credit Card | Infinia Credit Card |
| Network coverage area | It’s a Diners Club card, and is accepted at only selected places in India. | It is a Visa Infinite Mastercard. It is accepted everywhere in India. |
| International acceptance of the cards | Accepted at only a few places. | Accepted everywhere. |
Being a Visa Mastercard, Infinia credit card is accepted everywhere in India, thus providing a wider reach to its users and also the premium benefits. While on the other hand, being a Diners Club card, Diners Black card is accepted at only a few selected places only.
(2.4) Travel & Airport Lounge Benefits
| Factors | Diners Black Credit Card | Infinia Credit Card |
| Travel benefits | The reward points can be redeemed or saved on booking flight/hotel tickets via Smartbuy. Also get complimentary access to lounges. | Get a complimentary Club Marriott membership, and with that get another complimentary night stay of 2+1 at ITC hotels. |
| Airport benefits | Get unlimited access to airport lounges within India and outside India. | By having a complimentary Priority Pass membership get unlimited access to airport lounges, within India and outside India. |
Both the cards offer unlimited access to airport lounges within and outside India. However in Infinia credit cards the user needs to have a complimentary Priority Pass membership.
While in Diners black credit card, there is no need for priority pass membership, the card itself serves as the lounge access card.
(2.5) Comparative Analysis: HDFC Diners Black vs Infinia Credit Card
| Factors | Diners Black Credit Card | Infinia Credit Card |
| Golf game benefits | The diner’s black credit card offers access to 6 complimentary golf games per quarter at top golf courses around the world. | With this card get unlimited access to complimentary golf rounds at selected golf courses within and outside India. |
| Acceptability | The Diners black credit card is accepted at selected places only (within & outside of India). | Being a visa mastercard, the acceptability of Infinia credit cards is more (within & outside of India). |
| Eligibility | As the selected acceptance and fee structure of the card, it requires less income requirement and other eligibility criteria than Infinia credit card. | As being the top most premium card of HDFC, it requires high end income requirements and other eligibility criteria to be fulfilled. |
| Dining benefits | Being a Diners Club card, it offers special and exclusive benefits to their users at selected restaurants. | This card holds exclusive and prime dining benefits at their partner restaurants. |
| Concierge services | They do provide concierge services, but their concierge service area is not as wide as that of Infinia credit card. | It offers their cardholders the personalized assistance for hotel booking, events bookings, flight bookings, and more. |
From the above table, we can clearly see a notable difference between Diners black vs Infinia credit card. Both the credit cards offer premium golf game benefits, however, Infinia credit card offers unlimited access to golf rounds at selected golf courses within and outside India.
Whereas, on the other hand. Diners black credit cards offer access to 6 complimentary golf games per quarter at top golf courses around the world. The Infinia credit card is more for people with high end incomes and whose spending’s is more.
(3) Summing Up: HDFC Diners Black vs Infinia Credit Card
In the above discussion of Diners black vs Infinia credit card, we discovered that both the credit cards follow almost the same rewarding criteria.
In Diners black credit card, the user gets awarded with the extra reward points on dining on weekends, while in Infinia credit cards, there is no such service available.
HDFC Infinia credit cards which offer more premium services to their users also require their cardholders to have a high end income. While in Diners black credit card, there is no such requirement. Both the credit cards cater their users with their own set of features and benefits.
Note: Want to know about the difference between other HDFC top credit cards like Regalia credit cards? To know more about it visit our article, HDFC Regalia Gold vs Regalia Credit Card.
HDFC Diners credit card seems to be a good choice as it offers extra rewards on dining!