HDFC infinia vs HDFC Diners Black card which is the best 2023-2024 Today we will discuss the most popular HDFC credit card. HDFC diners club black and HDFC infinia credit card these two credit cards is best super premium cards in India. Let’s see which of these two cards is the best and why it is the best. Let’s compare these two cards in one parameter to see which credit card is best .
Eligibility Criteria –
HDFSC diners club may be eligible for black card when your minimum income in hand is Rs.1.75 lakh. If you are self employed then your minimum income should be Rs.24 lakh. If you do not approve of income criteria and you have an HDFSC credit card, the bank may issue you a credit card.
The credit limit on this credit card is 5 lakhs. To get an HDFC infinia credit card, you must already have an HDFC credit card. If you do not have any HDFC bank credit card then you do not get HDFC Infinia credit card. So the criteria of HDFC infinia credit card can be obtained if you have a good relationship with HDFC bank.
You are an Imperia level customer, you use HDFC services like demat account insurance policy etc. After that your credit limit increases to RS.8 lakh then HDFSC bank will upgrade your card to infinia credit card. Diners club black credit card easier to gain compare to infinia credit card .
joining and renewal fee and welcome benefits –
HDFC infinia vs HDFC Diners Black card which is the best 2023-2024Â joining and renewal fee of both these cards is Rs.10,000 plus Gst. This fee is very high but completely worth it. If you spend more than 5lakh diners using black credit card then joining and renewal fee is waived off. After spending 8 lakh rupees in Infinia credit card, your joining and renewal fee is waived annually.
You can easily waive Joining and renewal fee using yaper app. By purchasing high price for non credit card holders. Yaper app will also rebalance your amount and also give extra cash back. On these super premium cards you can get very good spends reward points from HDFC Marriott .
Welcome Benefits–
In HDFC Dines Black Credit Card you get annual membership of Club Marriott, Zomato Gold, Times Prime, MMT Double Black. In HDFC Infinia credit card you can only get club Marriott annual membership and also you got the 10,000 rewards points.
The value of rewards point is much higher than the actual membership of dines black credit card. In case of HDFC dines black credit card the amount required to waive of renewal fee is much less than HDFC Infinia credit card.
In case of HDFC Infenia you get 10,000 reward points. And because of these 10,000 reward points HDFC infenia credit card is better for this points.
Acceptability–
HDFC dines black credit card is a dines platform card. So its acceptability is not so good in specially offline pos. HDFC Infinia card is a visa card so No problem for acceptability. All leading stores online and offline stores accept visa cards.
Spend based rewards and reward redemption –
HDFC infinia vs HDFC Diners Black card which is the best 2023-2024Â both reward based cards. This means that as you spend money using this credit card, you will get reward points. HDFC Diners black and Infinia cards reward rate is five points for every Rs.150 spent that around 3.33% reward rate.
This is the highest rate of rewards in India to compare the rewards of all India credit cards. You can earn 10X reward point on both these cards.
That means 50 points of every one 150rupees that you spend. You get 10x rewards point on both the cards. Through HDFC Smart buy platform. Get 10 x reward point on smart buy through hotel and flight booking on HDFC infinia credit card.
In amazon you get 5x reward point on the shopping. In Flipkart you get 3x reward point on the shopping. These same rewards points you get on HDFC Diners black credit card. The difference is that on the infinia card you get 10x reward points on the limited option.
In case of diners black credit card their is a lot more options. You can buy instant vouchers of many brands and you will get 10x reward points for this. These are well known brands. Like amazon, Croma, Big Bazar, Grofers, book my shop, make my trip, and many many more.
One of the advantages of smart buy through Infinia is that you can earn up to 15,000 points in a month on top of the base reward points. In case of diners black credit card you can earn up to 15,000 extra 9 X points. Their is no limit on based reward points on these cards.
Base reward rate is for HDFC Diners black and Infinia 5 points for every RS.150 spent. You can earn 10 x rewards points by spending on select brands of diners black credit cards. These rewards points are different from smart buy points. These partner brands keep changing from time to time.
For example –
in June 2021 Diners black partner brands were swiggy, cred, seiko, Birkenstock, cure fit. You get extra 9 x points for this. Their limit is 25000 points in a month. Diners partner brand can get 2x reward points on some brands.
You can get extra 1 x points by paying rent on cred rent. Up to 2000 points. If you spend more than Rs.500 No card can get as many rewards points as you get on these cards.
Redemption Rate –
The redemption processes of both the cards and the reward points valve are almost the same. The condition is that when you book through smart buy platform, you can pay 70% reward points and pay 30% payment.
If you want to get Flipkart amazon, myntra, croma, voucher from reward point then reward point values is 1 point equals to Rs.0.5 . You can also convert the reward points into cash back.
Its rate is One Reward Point Equal to rs.0.3. smart buy through on Infinia card extra 50,000 points you can earn per month. Compare to 75,000 points on diners black credit card. But on diners black card you get a lot of options. smart buy through you can earn more than 25,000 points every month shopping of partner brands.