Infinia vs Diners credit card, which is better?

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Deal Cadet
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Kindly suggest which card is better ?

Not a free card – Have to pay yearly fee for it.

23 Comments  |  
9 Dimers
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Deal Cadet
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It is a simple decision. Can you spend 8L a year to get Infinia fee waiver? If yes, Infinia.

Else Diners. Because if you don’t spend much then no need to have the higher Smartbuy limits on Infinia.

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Deal Subedar
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Logically, Infinia is better with high limits for cashbacks but whether it is best for you is dependant on your spending pattern and regular expenses.
Doing unnecessary additional spends for sake of getting yearly fees waivers not suggested.

@MTRIP has already summarised well and if you have specific doubts, you can ask

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indiansoul wrote:

Logically, Infinia is better with high limits for cashbacks but whether it is best for you is dependant on your spending pattern and regular expenses.
Doing unnecessary additional spends for sake of getting yearly fees waivers not suggested.

@MTRIP has already summarised well and if you have specific doubts, you can ask

One more benefit to infinia is if we pay the annual fee, equivalent (10K) rewards points is credited to the account.

Not sure how this managed in Diners. Plus the milestone rewards are not there in Infinia.

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letmetravewithyou442 wrote:

One more benefit to infinia is if we pay the annual fee, equivalent (10K) rewards points is credited to the account.

Not sure how this managed in Diners. Plus the milestone rewards are not there in Infinia.

Right .. but even with rewards points in lieu of fees, you will end up paying gst  i.e. about 1800. Also, rewards point value is Rs.1 only if used for flights and hotels.
So, your cost will increase with paid fees.

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Deal Cadet
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What’s the use of this thread 🤔
Either of the cards can’t be applied as of today….😂😂

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Deal Lieutenant
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Infinia or Diners has to be based on usage(present or future)
More international travel or shopping then go for Infinia, Diners is not accepted in many countries and many online intnl websites.
Diners only advantage is milestone benefit of 500×2 vouchers per month on 80K spends and 10x partners(was lucrative earlier)
FK or Amazon smartbuy limits are never fully utilized by many, even 7500 limit for diners black is more than enough as its no more 10x but 3x on FK and 5X on Amazon
I would suggest Infinia

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Deal Cadet
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Main thing is eligibility for Infinia , if you are getting Infinia then take that only. It has wider acceptability due to VISA network and credit limit is also good. Diners also requires 5L for fees waiver so I think 8L should not be problem in Infinia. Smartbuy 10x limit is also double for Infinia , so Diners annual memberships and monthly 1k gvs are nothing compared to 7.5k extra monthly.
Without doubt you should go for Infinia.

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Deal Newbie
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Sudarshan61 wrote:

What’s the use of this thread 🤔
Either of the cards can’t be applied as of today….😂😂

A new customer cannot get the credit card. But it can be upgraded by existing customers.

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harshit0509 wrote:

Main thing is eligibility for Infinia , if you are getting Infinia then take that only. It has wider acceptability due to VISA network and credit limit is also good. Diners also requires 5L for fees waiver so I think 8L should not be problem in Infinia. Smartbuy 10x limit is also double for Infinia , so Diners annual memberships and monthly 1k gvs are nothing compared to 7.5k extra monthly.
Without doubt you should go for Infinia.

Getting 10x benefits to max extent is not easy for regular spenders.

DCB works better if yearly spends are around 5L.

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indiansoul wrote:

Getting 10x benefits to max extent is not easy for regular spenders.

DCB works better if yearly spends are around 5L.

I don’t think anyone is regular spender who have Diners Black or Infinia stuck_out_tongue laughing

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harshit0509 wrote:

I don’t think anyone is regular spender who have Diners Black or Infinia stuck_out_tongue laughing

I have DCB and spend decent amount but only able to get 10x benefit for Amazon vouchers through gyftr that is limited to 5k.

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indiansoul wrote:

I have DCB and spend decent amount but only able to get 10x benefit for Amazon vouchers through gyftr that is limited to 5k.

Hmm , most people are able to use. I also reach easily 7.5k points monthly.

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harshit0509 wrote:

Hmm , most people are able to use. I also reach easily 7.5k points monthly.

What are you spending on for 10x benefit? Any suggestions ?

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indiansoul wrote:

I have DCB and spend decent amount but only able to get 10x benefit for Amazon vouchers through gyftr that is limited to 5k.

R u able to buy through multiple accounts

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Deal Subedar
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aDesiBaba wrote:

R u able to buy through multiple accounts

I had bought from 2 diff accounts in past but have stopped after all my txn started failing on gyftr for whole month even for single account. At the same time, I had read many people’s stories of their card getting blocked so did not try after that.

Are you still able to buy ?

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indiansoul wrote:

What are you spending on for 10x benefit? Any suggestions ?

Amazon mostly , order for other people using your card laughing

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Deal Subedar
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harshit0509 wrote:

Amazon mostly , order for other people using your card laughing

Hmm.. Amazon is 5x only so hopefully you are spending as per that limit..

R u also buying vouchers using multiple accounts from gyftr ??

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Deal Cadet
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Things in favour of Infinia-
1) The 2X RP on dining can be availed week long compared to the weekend only eligibility for DCB
2) Higher 5X cap
3) You get Priority Pass which is convenient compared to Diners in few international lounges.

Thing(s) in favour of DCB-
1) 10X Diners partners

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Deal Cadet
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pointshunter wrote:

Things in favour of Infinia-
1) The 2X RP on dining can be availed week long compared to the weekend only eligibility for DCB
2) Higher 5X cap
3) You get Priority Pass which is convenient compared to Diners in few international lounges.

Thing(s) in favour of DCB-
1) 10X Diners partners

Thanks.

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indiansoul wrote:

Hmm.. Amazon is 5x only so hopefully you are spending as per that limit..

R u also buying vouchers using multiple accounts from gyftr ??

Yes I know 5x
Vouchers I bought in Sep and Oct using multiple accounts and not after that.

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pointshunter wrote:

Things in favour of Infinia-
1) The 2X RP on dining can be availed week long compared to the weekend only eligibility for DCB
2) Higher 5X cap
3) You get Priority Pass which is convenient compared to Diners in few international lounges.

Thing(s) in favour of DCB-
1) 10X Diners partners

Latest list of 10x partners ?

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letmetravewithyou442 wrote:

Latest list of 10x partners ?

https://www.hdfcbankdinersclub.com/priv...es

Enjoy 10X Reward Points on Partner Brands(Offer Valid from 1st January to 31st January, 2021)
Our Affiliated Brands
1) Lakme Salon
2) cure.fit
3) Dermalogica
4) Ola
5) Crocs
6) NNNOW.com (Arrow, Gap, Calvin Klein, Sephora, Tommy Hilfiger, U.S. Polo Assn., Flying Machine, The Children’s Place and many more…)

Maximum cap on the incremental 9X Rewards on Partner Brands in a calendar month is as below
Diners Black- 25,000
Diners Privilege- 10,000
Diners ClubMiles and Premium- 5,000
Diners Rewardz- 2000

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