Which card has a lower forex fee: HDFC Bank Diners Club Black Credit Card or HDFC Infinia Credit Card?

Both cards have the same forex markup (2%).

Which card has a lower annual fee: HDFC Bank Diners Club Black Credit Card or HDFC Infinia Credit Card?

HDFC Bank Diners Club Black Credit Card has a lower annual fee (₹10,000 vs ₹12,500).

Which card offers better lounge access?

HDFC Bank Diners Club Black Credit Card: Unlimited domestic lounge access. HDFC Infinia Credit Card: Unlimited domestic lounge access.

Which card has a higher base reward rate?

Both cards have similar base reward value (~3.33%).

Pairwise comparison Compare 3+ cards →

HDFC Bank Diners Club Black vs HDFC Bank Infinia Credit Cards – Fees, Lounge, Forex

Side-by-side comparison of the HDFC Bank Diners Club Black and the HDFC Bank Infinia. Verify fees, lounge access, forex markup, and base rewards before you apply.

Quick comparison

Three core metrics

Diners Club Black HDFC Bank

Annual fee ₹10,000 Waivable at ₹5,00,000 spend
Forex markup 2%
Domestic lounge Unlimited

Infinia HDFC Bank

Annual fee ₹12,500 Waivable at ₹10,00,000 spend
Forex markup 2%
Domestic lounge Unlimited

Reward earning explained

Per card

Diners Club Black

5 pts / ₹150 on General spend

Limited data

Infinia

25 pts / ₹150 on Amazon (domestic) (5X Reward Points on Amazon Shopping Voucher…

Limited data

Pick based on what matters

4 dimensions

Start with the constraint you care about most: annual fee (HDFC Bank Diners Club Black: ₹10,000 vs HDFC Bank Infinia: ₹12,500), forex markup (2% vs 2%), or lounge access (Unlimited vs Unlimited).

Travel Tie

Both cards are similar for travel

Forex markup is 2%.
Forex markup Tie

Both cards are similar for forex

Forex markup is 2%.
Lounge access Tie

Both cards are similar for lounge access

Domestic lounge access is unlimited.
Rewards Insufficient data

Insufficient data to compare rewards

Only HDFC Bank Diners Club Black has comparable evidence here. Estimated base reward value is ~3.3% on base spend.

Diners Club Black: Limited data Infinia: Limited data

Confidence: Low (limited information available)

Verify with issuer

Confidence: Low (limited information available)

Verify with issuer

All fields

Standard view

Example usage at this monthly spend

At ₹50k/month spend:

Diners Club Black: ~₹1,670/month at base rate
Infinia: ~₹1,670/month at base rate

Illustrative only, using current base rates before caps.

Swipe for all fields

Field	Diners Club Black HDFC Bank	Infinia HDFC Bank
Lounge Access
Domestic lounge visits	Unlimited	Unlimited
Forex / International Use
Forex markup	2%	2%
Fees
Annual fee ₹10,000 vs ₹12,500	₹10,000	₹12,500
Joining fee ₹10,000 vs ₹12,500	₹10,000	₹12,500
Fee waiver spend ₹5,00,000 vs ₹10,00,000	₹5,00,000	₹10,00,000
Rewards
Points per ₹150	5 pts	5 pts
Point value (headline channel) Issuer headline rate at the travel/SmartBuy channel — not the lowest redemption option.	₹1	₹1
Point validity 2 years vs 3 years	2 years	3 years

Notes

Some data has low confidence — verify with the issuer before relying on it.
Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.