Hdfc has two top of the line credit card listed under super premium category.
Many people are offered upgrade to either as part of their relationship with Hdfc bank and most out of them are clueless to which is better. Here comes the short review with similarities and differences.
I won’t rate theses cards as both have different advantages. Decide it yourself by judging on the basis of requirements you have… all differences highlighted in bold if you are short on time to read the whole post.
We’ll compare point by point about both Hdfc Infinia Credit Card and Hdfc Diners Club Black credit card:
Annual Fees: Hdfc DCB is for Rs.5000 annual fees(first year free) which can be waived on spending Rs.5 lacs in previous year while Hdfc bank Infinia card is Rs.10,000 annual fees(first year free) waived on Rs.8 lacs spent in previous year. Diners Club Black got cheaper annual fees and lower spend based criteria for waiver.
Limit n eligibility: On income eligibility, HDFC expects Rs.1.75 lac monthly income for diners black card while for infinia it is upwards of 3lac+ per month. For upgrade from any lower variant of card specially Regalia Credit Card. DCB by default is upgraded if limit is Rs.5-lacs+ while infinia is upgraded for Rs.8-lac+ limit, this can be more or less also based on relationship one holds with bank. And Hdfc Infinia got a unique limit feature called NPSL(no preset spending limit) where customer can on phone call for a large temporary limit for any big purchase. Hdfc Infinia is advantage if you are a big spender with occasional splurge on luxuries.
Acceptability: Hdfc Infinia is issued either as Visa Infinite variant or Mastercard World variant, both of whom have wide acceptability worldwide including India. Here Diner Club Black though the oldest charge card issuer of world however has very limited acceptability. It’s acceptability depends mostly on franchise and agreement Diners Club network builds world wide. In India it got agreement with Rupay so is accepted everywhere Rupay got network. Similarly for China is “china union pay”, for USA/Canada/Europe it works on Discover cards platform, for Japan based on JCB. Many countries are missing and even in countries where it is accepted, its not as wide as visa/mastercard. So if you are international traveller then Hdfc Infinia suits you better, for domestic spend both are equal as Rupay is very widely accepted.
Rewards Points: 5 rewards points for every Rs.150 spent is same for both the cards which comes to around 3.33% value back. Rewards are redeemed in almost similar way manged by HDFC in both cases. Even the smartbuy offer is same for both the cards under 10x offer. However accelarated reward partners differs for both the cards. DCB gives 10x rewards points on partners like Uber, Swiggy, Bigbasket, Tatacliq, Bookmyshow , Treebo(online), SOTC and Furlenco while Hdfc Infinia gives 2x points on dining(stand alone restaurant), Air vistara & hdfc infinia website. I think here Diner Club Black wins as 10x with more reward partners is better than mere 2x on dining as others two infinia partner are flight related which is already a 10x under smartbuy offer of Hdfc under both cards.
International Lounge Access: Diners Club Black n HDFC Infinia both offer unlimited lounge access. Diners club got its own built program which can be accessed via card itself while with Hdfc Infinia priority pass is issued which is a seprate card. Priority pass got 1000+ lounge while diners club got 700+ lounge. Also priority pass is for both primary card and addon card members while diners club is for primary member only. Here Hdfc Infinia wins as 4 additional addon members can get priority pass and access international lounges. Only Diners club advantage is a single for both spending and lounge access.
Domestic Lounge Access: Diners Club Black offers unlimited visit via again its own lounge platform. Hdfc infinia offers 4 visit per quarter via visa/mastercard lounge partnership through main credit card. The separate priority-pass may be chargeable for domestic use by Hdfc. So here Diners Club Black is better for Domestic lounge access.
Golf Program: HDFC Diners Club Black offers 6 complimentary visit per quarter vs unlimited complimentary of HDFC Infinia card. Both can be booked via Hdfc Concierge at 022-42320226 or Toll free:1800 118 887 (India).
Club Marriot membership is a paid membership offered on HDFC Infinia Card which basically gives you 15-30% on dining n hotel room rates of mariott hotels around India n Asia Pacific.
- Air AccidentCover of INR 2 Crore in Diners Club Black vs INR 3 crore in HDFC Infinia Card.
- Emergency Medical Expenses Cover of up to INR 50 Lakh is same in both cards.
- Card Liability cover of 9 lacs INR is again same in both cards
In nutshell HDFC Infinia is more of a lifestyle card with better all round benefits with various discounts n membership. While Diner offers better rewards thanks to 10x promo(though not sure how long it’d continue).