HDFC Infinia vs HDFC Diners Black Credit Card
Highlights
- Comparison of HDFC Infinia Credit Card and HDFC Diners Credit Card.
- Explore all the features of both the cards and decide the best one.
- Check the eligibility and fees before applying for any credit card.
In the world of premium credit cards, HDFC Bank stands out with two of its most prestigious offerings: the HDFC Infinia Credit Card and the HDFC Diners Black Credit Card. Both cards cater to the elite segment of customers, promising a suite of exclusive benefits, rewards, and privileges. This article delves into a comprehensive comparison of these two powerhouse cards, exploring their features, rewards structures, and unique selling points to help discerning consumers make an informed choice between these top-tier financial products. After choosing a credit card, do a CIBIL score check free online and also view your detailed CIBIL report.
Comparison of HDFC Infinia and HDFC Diners Black Credit Card - Features & Benefits
Both the HDFC Infinia and Diners Club Black are top-tier credit cards offering premium rewards, travel benefits, and lifestyle perks. However, they have distinct features that set them apart.
| Feature |
HDFC Infinia Credit Card |
HDFC Diners Club Black Credit Card |
|
Card Type
|
Visa Infinite
|
Diners Club
|
|
Annual Fee
|
Rs. 12,500 + GST
|
Rs. 10,000 + GST
|
|
Fee Waiver Condition
|
Annual spend of Rs. 10 lakhs
|
Annual spend of Rs. 5 lakhs
|
|
Reward Rate
|
5 reward points per Rs. 150 spent
|
5 reward points per Rs.150 spent
|
|
Reward Point Value
|
- Flight and hotel bookings via Smartbuy @ a value of 1 RP = Rs. 1
- Apple products and Tanishq vouchers via Smartbuy @ value of 1RP = Rs. 1.
- Airmiles conversion through netbanking @ value of 1RP = 1 airmile
- Products and Vouchers via Netbanking or SmartBuy @ value of 1 RP = Up to Rs 0.50
- Cashback @ value of 1 RP = Rs 0.30
|
- On SmartBuy (Flights/hotels), 1 RP = Rs. 1.00
- For Airmiles, 1 RP = Up to 1.00 AirMile
- Product Catalogue (Vouchers/products), 1 RP = Up to Rs. 0.50
- Cashback, 1 RP = Rs. 0.30
|
|
Welcome Benefits
|
12,500 reward points + 1-year complimentary Club Marriott membership
|
Club Marriott membership, Amazon Prime, Swiggy One, and MMT Black (On spending Rs. 1.5 lakhs in 90 days)
|
|
Airport Lounge Access
|
Unlimited global access via priority pass
|
Unlimited global access
|
|
Travel Insurance
|
Up to Rs. 3 crores of air accident cover
|
Up to Rs. 2 crores of air accident cover
|
|
Forex Markup
|
2%
|
1.99%
|
|
Golf Privileges
|
Unlimited complimentary games worldwide
|
6 complimentary games per quarter
|
|
Concierge Services
|
24/7 global concierge
|
24/7 concierge services
|
|
Eligibility
|
invite-only
|
High income requirement (typically Rs. 30 lakhs + p.a.)
|
Detailed Comparison of HDFC Inifinia and HDFC Diners Black Card
1. Rewards Program
Both cards offer an impressive reward rate of 5 points per Rs. 150 spent. However, there are some differences:
HDFC Infinia:
- Up to 10X reward points on your travel and shopping spends on the SmartBuy portal
- Monthly cap of 15,000 bonus points on SmartBuy
- 2X rewards on weekend dining.
HDFC Diners Club Black:
- Up to 10X reward points on SmartBuy portal
- Monthly cap of 7,500 bonus points on SmartBuy
- 2X rewards on weekend dining
The Infinia card has a slight edge with a higher monthly cap on bonus points through SmartBuy.
2. Annual Fees and Waiver
The Infinia has a slightly higher annual fee (₹12,500 + GST) compared to the Diners Club Black (₹10,000 + GST). The cards HDFC Infinia and Diners Club Black offer a fee waiver on reaching annual spends of Rs. 10 lakhs and Rs. 5 lakhs respectively making them effectively free for high spenders.
3. Welcome Benefits
- HDFC Infinia: Offers 12,500 reward points and a complimentary 1-year Club Marriott membership upon card issuance.
- HDFC Diners Club Black: Provides complimentary memberships to Club Marriott, Amazon Prime, and Swiggy One upon spending Rs. 1.5 lakh within 90 days of card issuance.
The Diners Club Black seems to offer more diverse welcome benefits, but they are contingent on meeting a spending threshold.
4. Travel Benefits
Both cards excel in travel perks, but with slight differences:
- Airport Lounge Access: Both offer unlimited global lounge access, but Infinia provides this through Priority Pass, which might offer access to more lounges worldwide.
- Travel Insurance: Infinia offers a higher air accident cover (Rs. 3 crore) compared to Diners Club Black Rs. 2 crore).
- Forex Markup: Diners Club Black has a marginally lower forex markup (1.99%) compared to Infinia (2%).
5. Lifestyle Benefits
- Golf Privileges: Infinia offers unlimited complimentary golf games worldwide, while Diners Club Black limits it to 6 games per quarter.
- Concierge Services: Both offer 24/7 concierge services, but Infinia’s services are often reported to be more extensive.
- Dining: Infinia offers exclusive dining benefits at ITC hotels, which is not mentioned for the Diners Club Black. With the Infinia credit card, you can book a stay for 3 nights and pay for two at participating ITC hotels.
- 1+1 complimentary buffet at participating ITC hotels.
6. Eligibility and Exclusivity
The HDFC Infinia is an invite-only card, making it more exclusive. The Diners Club Black, while still premium, has more straightforward eligibility criteria based on income (ITR greater than Rs. 30 lakhs per annum for self-employed customers, for salaried individuals, the net monthly income must be greater than Rs. 2.5 lakhs per month).
HDFC Inifinia and HDFC Diners Black Card - Which Card to Choose?
Both the HDFC Infinia and HDFC Diners Club Black are exceptional premium credit cards with impressive rewards and benefits. Your choice between the two may depend on:
- Exclusivity: If you value having a more exclusive card and have a strong relationship with HDFC Bank, the invite-only Infinia might be more appealing.
- Travel Focus: While both are great for travelers, the Infinia’s unlimited golf privileges and potentially wider lounge access through Priority Pass might give it an edge for frequent international travelers.
- Reward Maximization: If you’re a heavy spender on the SmartBuy portal, the Infinia’s higher monthly cap on bonus points could be advantageous.
- Welcome Benefits: If you value immediate perks, the Diners Club Black’s diverse welcome benefits (subject to initial spend) might be more attractive.
- Accessibility: If you meet the income criteria but haven’t received an Infinia invite, the Diners Club Black is an excellent alternative with very similar benefits.
Ultimately, both cards offer premium experiences and high-value rewards. Your specific spending habits, travel patterns, and whether you’ve received an Infinia invite will likely be the deciding factors in choosing between these two top-tier credit cards.
FREQUENTLY ASKED QUESTIONS
1. What are the main differences between the HDFC Infinia and HDFC Diners Black Credit Card?
The main differences lie in their reward rates, lounge access benefits, and annual fees. HDFC Infinia typically offers higher reward points on certain categories, while HDFC Diners Black may have more extensive lounge access.
2. Which card has a higher annual fee, the HDFC Infinia or the HDFC Diners Black?
HDFC Infinia generally has a higher annual fee compared to HDFC Diners Black. However, both cards often waive the fee based on spending criteria.
3. Which card, the HDFC Infinia or the HDFC Diners Black offers better reward points on travel expenses?
Both cards offer excellent rewards on travel, but HDFC Infinia typically provides slightly higher reward points for travel-related expenses.
4. Do these cards offer airport lounge access?
Yes, both cards offer complimentary airport lounge access. HDFC Diners Black usually provides more extensive domestic lounge access, while HDFC Infinia may have better international lounge benefits.
5. Which card offers better concierge services?
Both cards offer premium concierge services. The quality of service is generally comparable, but user experiences may vary.
