WINNER
HDFC Diners Club Black Credit Card
HDFC Bank
VS
HDFC Infinia Credit Card
HDFC Bank
HDFC Diners Club Black Credit Card vs HDFC Infinia Credit Card
Detailed side-by-side comparison based on fees, rewards, benefits, and real user data.
credit card
Updated May 2026
Recommended
96
Overall Score / 100
4.8/5
98
Overall Score / 100
4.9/5
Scoreboard· 6 measured features
4
HDFC Diners Club Black Credit Card
Overall winner
0
Tied
2
HDFC Infinia Credit Card
What would you save?· ₹ per year, after fees
₹50,000
₹5k₹1L₹2L
HDFC Diners Club Black Credit Card
Rewards (3.3%)+ ₹19,800
Annual fee− ₹10,000
Net per year+₹9,800
Better here
HDFC Infinia Credit Card
Rewards (150.0%)+ ₹9,00,000
Annual fee− ₹12,500
Net per year+₹8,87,500
HDFC Infinia Credit Card gives you ₹8,77,700 more per year at this spend level.
Estimates use the headline reward rate. Real rewards depend on category-wise spend, monthly caps, and welcome-bonus eligibility. See the full T&C on the issuer's website before applying.
Feature-by-Feature Comparison
Feature
HDFC Diners Club Black Credit Card
HDFC Infinia Credit Card
Annual Fee
₹10,000
₹12,500
Joining Fee
₹10,000
₹12,500
Reward Rate
3.3% on SmartBuy, 1.3% base
3.3% on SmartBuy, 1 point/₹150 base
Welcome Bonus
5,000 reward points
10,000 reward points on first transaction
Lounge Access
Unlimited international + 8 domestic/quarter
Unlimited worldwide via Priority Pass
Min. Income
₹1,50,000
₹3,00,000
Min. Credit Score
780
800
InvestingPro Expert Verdict
Based on SEBI-compliant analysis • Affiliate disclosed
Comparison verdict currently unavailable. Please check back later.
Who Should Get Which?
💰
Choose HDFC Diners Club Black Credit Card
Lower annual fees — ideal for budget-conscious users who want value without high costs.
✈️
Choose HDFC Infinia Credit Card
Higher fee but more premium perks like lounge access and higher reward rates — best for frequent spenders.
Disclaimer: This comparison is for informational purposes only. Product details may change; verify on official bank websites before applying. InvestingPro may earn affiliate commission on approved applications. Not SEBI registered investment advice.