If there are two credit cards that everyone aspires to get – those are Infinia and Diners Club Black. Given that HDFC Bank issues only one super-premium credit card, which one to opt for if we have both options? Here is a detailed comparison of fees, rewards, and benefits for HDFC Bank Infinia vs Diners Club Back.
The February 2021 changes have completely tilted the scale in favor of Infinia as the top most card in HDFC Bank’s range. DCB gets lesser rewards than Infinia for Amazon, Instant Vouchers, Apple Tresor and Flipkart. Infinia also has a higher cap at 15000 per month than DCB at 7500 per month for Smartbuy rewards.
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Both cards have the same redemption options. HDFC Bank offers a lot of ways to use up the reward points earned on Infinia and Diners Club Black. The preferred way is to use HDFC smartbuy where we can book flights and hotels at a redemption rate of 1 point = Rs 1. This is also the way to get a good value for RPs. Another option is to transfer reward points to one of the Airmiles programs where we can get more value depending on the sector.
Other options are available in the HDFC Rewards Catalogue where we can order electronics and gift vouchers in exchange for points. The reward point redemption falls to around 20-35 paise in these cases. As with other HDFC Bank credit cards, redeeming for statement credit/cash is not a good option. The value of 1 RP falls to 30p in these cases.
Infinia has three distinct advantages over Diners Club Black in rewards redemption. We can redeem rewards at 1:1 value for Tanishq vouchers, Apple Products and DTH recharges. This is a good option to get Rs 1 value for each reward point when we don’t/cannot travel.
Airport Lounge Access
Both Infinia and Diners Club Black offer unlimited airport lounge access within and outside India for primary and add-on cards. What may differ is the list of lounges to which you are allowed access. In the case of Diners, the card itself doubles up as the lounge access card. Infinia has tied up with a Priority pass for lounge access.
