HDFC Infinia Metal Edition Credit Card vs HDFC Diners Club Black Credit CardHDFC Infinia Metal Edition Credit Card vs HDFC Diners Club Black Credit Card

HDFC Infinia Metal Edition vs HDFC Diners Club Black Credit Card

The HDFC Infinia Metal Edition Credit Card and HDFC Diners Club Black Metal Credit Card stand out as the top-tier super-premium credit cards offered by HDFC Bank. Boasting an identical reward rate of 3.3% per annum (equivalent to 5 Reward Points for every Rs. 150 spent), both cards provide a host of exclusive benefits. These include unlimited access to airport lounges, complimentary rounds of golf, a reduced foreign currency markup fee, and various other privileges.

Advantages and Attributes of HDFC Infinia Metal Edition and HDFC Diners Club Black Credit Cards

HDFC Infinia Metal Edition Credit Card:

1. Welcome Benefits:

  • One-year complimentary Club Marriott Membership as a welcome gift.
  • Receive 12,500 bonus reward points upon payment of the joining fee.

2. Rewards:

  • Earn 5 Reward Points (RPs) for every Rs. 150 spent.
  • Receive ten times the reward points for making bookings (for buses, hotels, and flights) via Cleartrip, EaseMyTrip, Redbus, and Apple Imagine.
  • Receive 3X RPs for shopping on portals like Flipkart for Rail Tickets.
  • Accelerated rewards capped at 15,000 points per month.
  • 1 RP = Re. 1 against hotel/flight bookings, DTH recharges, etc.
  • 1 RP = 1 Airmile.
  • For products and vouchers via net banking, 1 RP = Rs. 0.50.
  • 1 RP = Re. 1 against Tanishq and Apple vouchers.
  • 1 RP = Rs. 0.30 for movies and dining.

3. Movies and Dining:

  • Club Marriott membership offers 20% off on food and beverage bills and 15% off on selected hotels.
  • Good Food Trail Program provides 25% off at 2000+ premium restaurants, 1 + 1 buffet at 200+ restaurants, and 1 + 1 food/drinks at selected restaurants.
  • ITC Complimentary buffet – 1 + 1 complimentary buffet with participating ITC hotels.

4. Travel Benefits:

  • Unlimited complimentary domestic and international airport lounge access globally with Priority Pass Membership.
  • Club Marriott membership grants 20% off on the best available rooms at participating Marriott hotels in the country.
  • ITC Hotel Complimentary Stay Benefits – Get a complimentary 1-night stay after booking a 2-night stay at participating hotels.

5. Golf: Enjoy unlimited complimentary golf games at leading destinations across the country and selected ones globally.

6. Spend Based Waiver: Renewal fee waiver upon spending over Rs. 10 Lakhs in a year.

HDFC Diners Club Black Credit Card:

1. Welcome Benefits: Receive a complimentary membership to Club Marriott, Swiggy One, and Amazon Prime by spending Rs. 1.5 Lakhs within 90 days of card issuance.

2. Dining Benefits:

  • Earn 2x reward points on weekend dining.
  • Get a complimentary one-year Club Marriott membership and a three-month Swiggy One membership. These perks are automatically extended when you hit a spending milestone of Rs. 8 Lakhs during the card anniversary year.

3. Travel Benefits:

  • Enjoy unlimited complimentary access to domestic and international airport lounges.
  • Redeem earned reward points for Airmiles with partner airlines such as Club Vistara, Singapore Airlines, Intermiles, etc.

4. Golf Benefits: Avail 6 complimentary golf rounds per calendar quarter at select world-class golf courses.

5. Reward Rate:

  • Similar to the Infinia Credit Card, the Diners Club Black Credit Card offers 5 Reward Points for every Rs. 150 spent, excluding transactions made for fuel. Plus, enjoy 10 times the Reward Points when booking flights, bus tickets, or hotels through SmartBuy.
  • Get 5X Reward Points on shopping rail ticket bookings and 3X Reward Points on shopping at Flipkart.
  • Receive 2X Reward Points on dining bills during weekends at partner restaurants.

Comparison between HDFC Infinia Metal Edition Credit Card and HDFC Diners Club Black Credit Card

HDFC Infinia Metal Edition Credit Card:

HDFC Bank has introduced its pinnacle product in the market, the INFINIA credit card metal edition, representing its utmost premium offering. Exclusively designed for high-net-worth individuals, this card is accessible solely through invitation. Geared towards enhancing the lifestyle of its privileged cardholders, it provides an array of luxurious benefits, including access to elite golfing destinations, dining perks, a competitive 2% forex markup rate, rewards for every Rs. 150 expenditure, and a host of additional privileges.

1. Joining/Annual Fees: Rs. 12,500 + GST
2. Welcome Benefits: 12,500 reward points and 1-year membership to Club Marriott
3. Reward Earning Rate: 5 RPs per Rs. 150 spent
4. Reward Redemption: RPs can be redeemed against hotel/flight bookings, Airmiles, products and vouchers, Apple and Tanishq vouchers, and cashback.
5. Travel Benefits: Complimentary Club Marriott membership, complimentary 2+1 night stay at ITC hotels, Complimentary Priority Pass membership with unlimited access to airport lounges
6. Golf Benefits: Unlimited complimentary golf rounds at select courses across India and abroad
7. Renewal Fee Waiver: If you spend Rs. 10 Lakhs within the anniversary year of your card, the renewal fee can be waived.
8. Forex Markup Fee: 2%

HDFC Diners Club Black Credit Card:

HDFC’s Diners Club Black Metal Credit Card stands as the second-highest tier among their premium offerings and holds the position of the most prestigious Diners Club Credit Card in India. This credit card mirrors the reward rate of the Infinia Credit Card, providing 5 Reward Points for every Rs. 150 spent. Beyond this, it comes with a wide array of additional benefits. The annual membership fee for the HDFC Diners Club Black Credit Card amounts to Rs. 10,000 per year.

1. Joining/Annual Fees: Rs. 10,000 + GST
2. Welcome Benefits: Enjoy a complimentary membership to Club Marriott, Swiggy One, and Amazon Prime when you spend Rs. 1.5 lakh within 90 days of receiving your card.
3. Reward Earning Rate: For every Rs. 150 spent, you earn 5 reward points. Get 10 times the reward points when you shop on Smartbuy and double the reward points when you dine out on weekends.
4. Reward Redemption: RPs can be redeemed against hotel/flight bookings on Smartbuy, AirMiles, Diners Club exclusive reward redemption catalog, and cashback
5. Travel Benefits: Enjoy access to both domestic and international lounges at no additional cost. Redeem your Reward Points (RPs) for discounts on flight or hotel bookings through Smartbuy.
6. Golf Benefits: Get 6 complimentary golf games per quarter at top courses around the world
7. Renewal Fee Waiver: Renewal fee can be waived off on spending Rs. 5 Lakhs in the previous year
8. Forex Markup Fee: 1.99%

Which credit card suits you best?

  1. Both Infinia and Diners Club Black are top-tier credit cards in the super-premium category, making them highly sought-after in the market.
  2. They share an identical reward rate of 3.3% (5 Reward Points per Rs. 150) and come with a range of exclusive privileges.
  3. Infinia Credit Card provides benefits like a 1+1 buffet and a complimentary night stay at ITC hotels.
  4. Diners Club Black Credit Card offers a complimentary Club Marriott membership and subscriptions to services such as Amazon Prime, contingent on a minimum annual expenditure of Rs. 8 lacs.
  5. If you plan to utilize the Club Marriott membership and other subscriptions, HDFC Diners Club Black Credit Card is a more suitable choice.
  6. An annual expenditure of Rs. 8 lacs leads to a 100% waiver on the Diners Club Black Credit Card’s annual membership fee.
  7. In summary, your choice between Infinia and Diners Club Black depends on your preferences and usage patterns, with the latter being advantageous if you intend to maximize benefits through specific memberships and services.

Frequently Asked Questions (FAQs)

1. What distinguishes the HDFC Infinia Metal Edition Credit Card from the HDFC Diners Club Black Credit Card?

The HDFC Infinia Metal Edition and Diners Club Black Credit Cards both belong to the super-premium category, but they differ in certain features and benefits.

2. How do the reward structures compare between the two credit cards?

Both cards offer an identical reward rate of 3.3% (5 Reward Points per Rs. 150 spent), ensuring a competitive rewards program for cardholders.

3. What additional privileges come with the Infinia Credit Card?

The Infinia Credit Card provides exclusive perks, including a 1+1 buffet benefit and a complimentary night stay at ITC hotels.

4. What exclusive benefits does the Diners Club Black Credit Card offer?

The Diners Club Black Credit Card entitles cardholders to a complimentary membership in the Club Marriott hotel loyalty program and subscriptions to services like Amazon Prime. These benefits are contingent on a minimum annual expenditure of Rs. 8 lacs.

5. How does the annual membership fee structure differ between the two cards?

The Diners Club Black Credit Card offers a unique advantage – the annual membership fee is waived if the annual expenditure exceeds Rs. 8 lacs. This can be a significant factor in decision-making.

6. Which card is recommended for those looking to maximize benefits through memberships and subscriptions?

If you plan to avail of Club Marriott membership and other subscription services like Amazon Prime, Swiggy One, etc., the HDFC Diners Club Black Credit Card is recommended, especially with its annual fee waiver for higher expenditures.

7. Are there any specific usage patterns or preferences that should influence the choice between these two cards?

The choice between Infinia and Diners Club Black depends on individual preferences, usage patterns, and the desire to maximize benefits through specific memberships and services.

8. How can I determine which card is more suitable for my needs?

Consider your spending habits, lifestyle preferences, and the specific benefits that align with your interests. Analyze the unique features of each card to make an informed decision based on your financial goals and lifestyle.

9. Can I switch between these credit cards based on changing preferences?

HDFC Bank may offer options for card upgrades or downgrades based on eligibility criteria. It’s advisable to contact the bank directly to inquire about the possibilities and procedures for switching between these premium credit cards.

10. How can I apply for either the HDFC Infinia Metal Edition Credit Card or the HDFC Diners Club Black Credit Card?

You can apply for these credit cards through the HDFC Bank website or by visiting a local branch. The application process typically involves submitting necessary documents and meeting eligibility criteria specified by the bank.

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