Side-by-side · honest numbers
HDFC Diners Club Black Metal vs IndusInd Bank Avios Visa Infinite Credit Card vs IndusInd Bank Pinnacle Credit Card
Honest side-by-side comparison of HDFC Diners Club Black Metal, IndusInd Bank Avios Visa Infinite Credit Card, IndusInd Bank Pinnacle Credit Card — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.
At a glance (moderate spend)
Quick verdict: On moderate spend, HDFC Diners Club Black Metal ranks first for estimated net annual value — ahead of IndusInd Bank Pinnacle Credit Card by about ₹775/yr.
| Feature | HDFC Diners Club Black Metal HDFC Bank | IndusInd Bank Avios Visa Infinite Credit Card IndusInd Bank | IndusInd Bank Pinnacle Credit Card IndusInd Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹10,000 | ₹10,000 | ₹10,000 |
| Fee waiver threshold | No waiver published | No waiver published | No waiver published |
| Min income | ₹1,50,000/mo | ₹75,000/mo | ₹75,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | -₹6,300/yr | -₹8,536/yr | -₹7,075/yr |
| Travel | 5 pts per ₹150 spend → ₹83/mo (₹1,000/yr) | 5 pts per ₹150 spend → ₹50/mo (₹600/yr) | 3 pts per ₹150 spend → ₹75/mo (₹900/yr) |
| Top reward rate | 10X points | 5X Avios points | 3X points/₹150 |
| Primary reward cap | No monthly cap published | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | Unlimited domestic + international · No minimum spend — show physical card at lounge (DreamFolks / Diners network) | Unlimited lounge access · No minimum spend required for lounge access | Unlimited domestic lounge access · No quarterly spend gate stated — complimentary with Pinnacle tier |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Wallet | EMI · Fuel · Rent · Wallet | EMI · Fuel · Rent |
| Bonuses | |||
| Signup bonus | — | — | — |
Frequently asked questions
- Which card has the lower annual fee?
- HDFC Diners Club Black Metal has the lowest annual fee at ₹10,000.
- Which card earns more on moderate spend?
- HDFC Diners Club Black Metal leads with an estimated -₹6,300/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- IndusInd Bank Avios Visa Infinite Credit Card lists a minimum monthly income of ₹75,000.
- Does this comparison pull my credit score?
- No. CardHungry estimates net value from public fee and reward rules only — no bureau check.
Customize your spend
Change spend profile or swap cards — results update live below.
HDFC Diners Club Black Metal
HDFC Bank
IndusInd Bank Avios Visa Infinite Credit Card
IndusInd Bank
IndusInd Bank Pinnacle Credit Card
IndusInd Bank
Your adjusted comparison
| Feature | HDFC BankMetal HDFC Diners Club Black Metal •••• •••• •••• 4242 Quick facts HDFC Diners Club Black Metal Top reward10X points Annual fee₹10,000 Min income₹1,50,000/mo Tap to flip back HDFC Diners Club Black Metal HDFC Bank | IndusInd BankInfinite IndusInd Bank Avios Visa Infinite Credit Card •••• •••• •••• 4242 Quick facts IndusInd Bank Avios Visa Infinite Credit Card Top reward5X Avios points Annual fee₹10,000 Min income₹75,000/mo Tap to flip back IndusInd Bank Avios Visa Infinite Credit Card IndusInd Bank | IndusInd BankPlatinum IndusInd Bank Pinnacle Credit Card •••• •••• •••• 4242 Quick facts IndusInd Bank Pinnacle Credit Card Top reward3X points/₹150 Annual fee₹10,000 Min income₹75,000/mo Tap to flip back IndusInd Bank Pinnacle Credit Card IndusInd Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹10,000 | ₹10,000 | ₹10,000 |
| Fee waiver threshold | No waiver published | No waiver published | No waiver published |
| Min income | ₹1,50,000/mo | ₹75,000/mo | ₹75,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | -₹6,300/yr | -₹8,536/yr | -₹7,075/yr |
| Travel | 5 pts per ₹150 spend → ₹83/mo (₹1,000/yr) | 5 pts per ₹150 spend → ₹50/mo (₹600/yr) | 3 pts per ₹150 spend → ₹75/mo (₹900/yr) |
| Top reward rate | 10X points | 5X Avios points | 3X points/₹150 |
| Primary reward cap | No monthly cap published | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | Unlimited domestic + international · No minimum spend — show physical card at lounge (DreamFolks / Diners network) | Unlimited lounge access · No minimum spend required for lounge access | Unlimited domestic lounge access · No quarterly spend gate stated — complimentary with Pinnacle tier |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Wallet | EMI · Fuel · Rent · Wallet | EMI · Fuel · Rent |
| Bonuses | |||
| Signup bonus | — | — | — |
Share this comparison
https://cardhungry.com/in/en/compare/hdfc-diners-black-vs-indusind-avios-vs-indusind-pinnacleMore HDFC Diners Club Black Metal comparisons
- HDFC Diners Club Black Metal vs 811 Dream Different Credit Card
- HDFC Diners Club Black Metal vs AU Altura Credit Card
- HDFC Diners Club Black Metal vs AU Zenith Credit Card
- HDFC Diners Club Black Metal vs American Express Gold Card
- HDFC Diners Club Black Metal vs American Express Platinum Travel Card
- HDFC Diners Club Black Metal vs American Express SmartEarn Credit Card
- HDFC Diners Club Black Metal vs Amex Membership Rewards CC
- HDFC Diners Club Black Metal vs Axis Bank ACE Credit Card
- HDFC Diners Club Black Metal vs Axis Bank Airtel Credit Card
- HDFC Diners Club Black Metal vs Axis Bank Atlas Credit Card
- HDFC Diners Club Black Metal vs Axis Bank Flipkart Credit Card
- HDFC Diners Club Black Metal vs Axis Bank Magnus Credit Card