HDFC Diners Club Rewardz Credit Card vs HDFC Millennia Credit Card

Last Updated : March 21, 2025, 11:49 a.m.

Both the HDFC Diners Club Rewardz Credit Card and the HDFC Millennia Credit Card are reputed credit cards from HDFC Bank. The HDFC Diners Club Rewardz credit card welcomes you with ample bonus reward points and pays you back on almost everything that you do - Across various categories such as air tickets, hotels, and shopping with partner brands. The HDFC Millennia Credit Card is a great credit card for cashback. It provides 5% cashback on purchases made on popular online partner brands and 1% cashback on other spends. So, which card to choose between the two. To make this easy, we have compared the various features and benefits of the credit cards in this article titled - ‘HDFC Diners Club Rewardz Credit Card Vs HDFC Millennia Credit Card’. Let us now proceed to compare them. After you understand the features of both the cards and decide to apply for one, you should check your credit score as it is an important eligibility factor determining your credit card application approval. Check free CIBIL score on Wishfin and also view your detailed CIBIL report on the portal.

Comparison of HDFC Diners Club Rewardz and Millennia Credit Card

Parameter	HDFC Diners Club Rewardz Credit Card	HDFC Millennia Credit Card
Joining fee	Rs. 1000 plus GST	Rs. 1000 plus applicable taxes
Renewal fee	Rs. 1000 plus GST	Rs. 1000 plus applicable taxes
Renewal fee waiver	Get a renewal fee waiver on spends of Rs. 1 lakh in the previous 12 months.	Get a renewal fee waiver on spends of Rs. 100,000 or more in a year.
Cash advance fee	An advance fee of 2.5%, with a minimum of Rs. 500 on all cash withdrawals.	A cash advance fee of 2.5%, with a minimum of Rs. 500 on all cash withdrawals using your card.
Welcome benefit	Get a welcome benefit of 1000 reward points.	Get reward points equivalent to fee amount on paying the membership fee.
Airport lounge access	NA	1 complimentary domestic lounge access per quarter.
Reward points and cashback	Earn 3 reward points per Rs. 150 spent. Earn 10x reward points when shopping on partner brands (Up to a maximum of 2000 points per month). Partner airlines include Singapore Airlines (Kris Flyer), Jet Airways & Air India.	Get a cashback of 5% on Amazon, Cult.fit, Myntra, Sony LIV, Tata Cliq, Uber, and Zomato. Get a cashback of 1% on other expenses.
Reward points redemption	Redeem reward points at the following rates: Against flight or hotel bookings on SmartBuy, 1 Reward Point = Rs. 0.30. Against Air miles, 1 reward point = 0.30 Airmiles. Against the product catalogue, 1 reward point = Up to Rs.0.25. Against cashback, 1 reward point = Rs. 0.15 HDFC Bank charges a reward redemption fee of Rs. 99	Redeem reward points at the following rates: Against the statement balance: 1 cashpoint = Re 1 At the SmartBuy rewards portal: 1 CashPoint = Re 0.30 For flights and hotels: Up to a maximum of 50% of the booking value, i.e. 50,000 reward points can be redeemed. For cashback redemption: Maximum limit for redeeming cashback is 3000 reward points per month. On select vouchers or products, you can redeem up to 70% of the product or voucher value as reward points. You can redeem cashpoint @ 1 cashpoint = Rs. 0.30. Get a renewal membership fee waiver on spends of Rs. 1 lakh or more in the previous 12 months.
Travel benefits	The reward points earned can be redeemed for hotel or flight bookings across more than 150 airlines and multiple domestic or international hotels. Reward points can also be redeemed against Air Miles for Singapore Airlines (1 reward point = 0.30 Air Mile). There is no complimentary airport access available on this credit card.	Users can redeem the accumulated reward points against airmiles, hotel and flight bookings at the Unified SmartBuy portal and product catalog in the ratio of 1:1.
Fuel surcharge waiver	Enjoy a fuel surcharge waiver of 1% (Up to a maximum of Rs. 500 per month) for all fuel transactions between Rs. 400 and Rs. 5000	Get a fuel surcharge waiver of 1% at all fuel stations across India on transactions in the range of Rs. 400 to Rs. 5000 (Up to a maximum of Rs. 250 per month)
Foreign currency markup	The credit card comes with a foreign currency markup fee of 3% only.	The credit card comes with a foreign currency markup fee of 2%
Milestone benefits	Renewal fee waiver on spends of Rs. 1 lakh	Get a gift voucher worth Rs. 1000 on spends of Rs. 1,00,000 or more in a quarter.
Other benefits	Enjoy 24/7 concierge services for travel needs. Call 1800 209 4006 (Toll free)	Zero lost card liability Enjoy an interest free credit period of up to 50 days Revolving credit is available at a nominal rate of interest.
Dining benefits	NA	Enjoy amazing dining benefits with the good food trail program Get up to 20% savings on all your restaurant bill payments (Includes restaurant and Swiggy discounts) via Swiggy Dineout across 20k plus restaurants. Get a 10% additional discount on Swiggy Dineout

HDFC Diners Club Rewards Credit Card vs HDFC Millennia Card - Which Card Should You Choose?

The HDFC Millennia Credit Card and the HDFC Diners Club Rewardz Credit Card, both have their own unique benefits. So, choosing a card amongst them depends on your personal preferences and spending habits. Go in for the HDFC Millennia credit card if the preferred reward redemption method is cashback. Opt for this credit card if you shop online frequently and desire cashback or discounts on reputed brands like Zomato, Uber, Amazon, and Flipkart. Also, this card is a good choice for those who want an entry level credit card with decent rewards and options for redeeming.

NOTE: HDFC Bank is currently not accepting applications for the HDFC Diners Rewardz credit card. However, current holders of the HDFC Diners Rewardz credit card can continue to use the card and enjoy the benefits.

Conclusion

These are the major differences between HDFC Diners Club Rewardz Credit Card vs HDFC Millennia Credit Card and now you can apply for any credit card . The comparison between these cards might remove your confusion while you are choosing a card. Both of these credit cards are helpful in saving some extra bucks from your monthly expenses. On the other hand, both these HDFC Credit Cards are unique in their own way and it depends on how you use the card.

HDFC Diners Club Rewardz Credit Card vs HDFC Millennia Credit Card

Comparison of HDFC Diners Club Rewardz and Millennia Credit Card

HDFC Diners Club Rewards Credit Card vs HDFC Millennia Card - Which Card Should You Choose?

Conclusion

How can I see the offers on the HDFC Millennia Credit Card?

Can I get an annual fee waiver on my HDFC Diners Club Rewardz Credit Card?

How long is the interest free credit period with a HDFC Bank credit card?

When do the reward points on the HDFC Diners Club Rewardz expire?

What are some of the key benefits of the HDFC Millennia credit card?

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