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Infinia, Diners Black Metal and Regalia Gold: Checked Rules and Model Limits

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Amodh ShettyEditorPublished · Updated
4 min read
Editorial Independence: Opinions expressed here are the author's alone, not those of any bank, credit card issuer, or airline. Estimates use stated assumptions and can omit issuer conditions. Check source dates and model limitations before relying on a figure.
Infinia, Diners Black Metal and Regalia Gold: Checked Rules and Model Limits

Key Takeaways

  • Portal acceleration is conditional; generic model uses eligible base earning.
  • Diners Black Metal fee is ₹10,000 and milestone is quarterly.
  • Regalia Gold statement-credit values conflict on issuer page; estimates withheld.

Table of Contents

Field review: 2 October 2026. This replaces unsupported blanket devaluation claims with checked issuer rules.

Infinia Metal

₹12,500 joining/renewal fee plus taxes; ₹10 lakh preceding-year spend waiver. Earn 5 points per ₹150 eligible retail spend. Statement credit is up to ₹0.30 per point; eligible SmartBuy flights/hotels use ₹1 per point. Portal multipliers and fee-payment renewal credits are conditional and excluded from the generic estimate.

Diners Black Metal

₹10,000 fee plus taxes, ₹8 lakh renewal waiver, 5 points per ₹150. Quarterly ₹4 lakh spend unlocks 10,000 bonus points. Metal offers 6 golf games per quarter, not unlimited golf. Older plastic benefits must not be mixed into this record.

Regalia Gold

The issuer page lists 5 points per ₹200. Linked terms cap combined select-merchant 5X bonuses at 5,000 points monthly while base accrual continues. The same page gives both ₹0.15 and ₹0.20 for statement credit; we withhold modeled value pending clarification. Domestic access needs ₹60,000 preceding-quarter spend for 3 visits; international Priority Pass quota is 6 yearly.

These are scoped checks. Exact SmartBuy offers, point rounding, MCC eligibility and terminal lists need separate verification.

Infinia issuer page · Diners Metal issuer page · Regalia Gold issuer page

Caps and redemption limits

Regalia Gold earning is capped at 50,000 points per statement cycle; grocery and insurance each have a 2,000-point monthly cap. Its travel and statement-balance redemptions are each capped at 50,000 points per calendar month, and travel rewards cover at most 70% of booking value. Infinia statement-balance redemption is capped at 50,000 points monthly; flights, hotels and airmiles share a 1.5 lakh-point monthly redemption ceiling. These limits are separate from earning caps.

Regalia Gold reward terms. The cash-value conflict remains unresolved; a conservative-looking number is not a verified value.

Revision history

  • — Rechecked selected issuer fields, corrected metadata, added missing limits and documented monthly scenario scope and unresolved evidence.
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About the Author: Amodh Shetty

Editor at Know Your Finance

This guide is credited to Amodh Shetty. Our review standards explain source selection, reward assumptions and remaining limitations. No professional certification or issuer endorsement is claimed.

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