HDFC Infinia Metal Edition vs HDFC Diners Club Black Metal
HDFC Infinia Metal Edition is better for its partner brands, while HDFC Diners Club Black Metal wins on its partner brands. HDFC Diners Club Black Metal is cheaper to keep (₹10,000/year).
HDFC Bank
HDFC Infinia Metal Edition
•••• 5764Visa / Mastercard
HDFC Bank
HDFC Diners Club Black Metal
•••• 7749Diners Club
| HDFC Infinia Metal Edition | HDFC Diners Club Black Metal | |
|---|---|---|
| Issuer | HDFC Bank | HDFC Bank |
| Network | Visa / Mastercard | Diners Club |
| Best for | Ultra-premium rewards | Premium rewards (no invite) |
| Headline benefit | 3.3% value-back | 3.3% value-back |
| Joining fee | ₹12,500 | ₹10,000 |
| Annual fee | ₹12,500 | ₹10,000 |
| Fee waiver | ₹10,00,000 spend | ₹8,00,000 spend |
| Works on UPI | No | No |
| Lounge access | Unlimited worldwide | Unlimited worldwide |
| Online shopping rewards | 3.3% | 3.3% |
| Groceries rewards | 3.3% | 3.3% |
| Food delivery & dining rewards | 3.3% | 3.3% |
| Fuel rewards | – | – |
| UPI scan & pay rewards | – | – |
| Bills & recharges rewards | 3.3% | 3.3% |
| Travel & flights rewards | 3.3% | 3.3% |
| Everything else rewards | 3.3% | 3.3% |
| Apply now | Apply now |
Choose HDFC Infinia Metal Edition if…
- One of India's highest reward rates
- Unlimited lounges worldwide
- Excellent travel redemptions
Watch out for
- Invite-only
- ₹12,500 fee unless you spend ₹10 lakh
- Redemption limits added in 2026
Choose HDFC Diners Club Black Metal if…
- Same reward rate as Infinia
- Easier to get than Infinia
- Unlimited lounges
Watch out for
- Diners Club acceptance is limited, especially abroad
- ₹10,000 annual fee
- Transfer ratios cut for some partners in 2026
Verdict
HDFC Infinia Metal Edition is better for its partner brands, while HDFC Diners Club Black Metal wins on its partner brands. HDFC Diners Club Black Metal is cheaper to keep (₹10,000/year). Many people hold both: the two cards cover different categories, so using each where it earns most maximises your total rewards. Try the card finder with your own spends to see the exact difference.