HDFC Millennia Credit Card vs HDFC Diners Club Premium Credit Card
Last Updated : April 25, 2025, 6:40 p.m.
Choosing the right credit card can significantly impact your financial benefits and lifestyle perks. HDFC Bank offers a diverse range of credit cards catering to different spending habits and preferences. Two popular options in their mid-premium segment are the HDFC Millennia Credit Card and the HDFC Diners Club Premium Credit Card. This article compares these cards across various parameters to help you make an informed decision based on your spending patterns and lifestyle needs. After you determine which card to apply for, you can check your credit score on Wishfin to understand if you fulfill the score requirements set by the issuer.
Comparing the HDFC Millennia Credit Card and the HDFC Diners Club Premium Credit Card
| Feature | HDFC Millennia Credit Card | HDFC Diners Club Premium Credit Card |
|---|---|---|
Annual Fee | Rs. 1,000 + applicable taxes | Rs. 2,500 + applicable taxes |
Fee Waiver Condition | Spend Rs. 1,00,000 in the previous year | Spend Rs. 3,00,000 in 12 months |
Welcome Benefits | Reward points equivalent to joining fee | 2,500 reward points on joining |
Reward Rate (Regular Spends) | 1% cashback (as CashPoints) | 4 reward points per Rs. 150 spent (2.67% value) |
Accelerated Rewards | 5% cashback on Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber and Zomato | 10X reward points on international spends |
Reward points value | 1 CashPoint = Re. 1 for statement credit 1 CashPoint = Re. 0.30 for travel bookings | 1 reward point = Re. 0.20 for cashback 1 reward point = 0.50 air miles |
Reward Points Validity | 2 years | 2 years |
Fuel surcharge waiver | 1% (Min Rs. 400, Max Rs. 5,000 per statement cycle) | 1% (Terms may vary) |
Airport Lounge Access | Available upon quarterly spend milestone | 6 complimentary visits to 1,000+ lounges worldwide |
Milestone Benefits | Gift vouchers worth Rs. 1000 on quarterly spends of Rs. 1,00,000 | Accrue 10,000 bonus reward points on reaching quarterly milestone spends of Rs. 4,00,000 |
Travel insurance | Basic coverage |
|
Foreign Transaction Fee | Standard markup | Lowest markup fee of 2% |
Concierge Services | Not available | Available (flight bookings, car rentals, golf course reservations) |
Complimentary Memberships | Not applicable | Available on meeting spend criteria |
Minimum Income Eligibility | Rs. 35,000 per month | Salaried: Rs. 60,000 per month Self-employed: ITR > Rs. 7.2 lakhs per annum |
Credit Card Type | Visa/Mastercard | Diners Club (lesser acceptance than Visa/Mastercard) |
Which Card Is Better For You?
Choose HDFC Millennia Credit Card if:
- You're a frequent online shopper: With 5% cashback on popular platforms like Amazon, Flipkart, and Myntra, the Millennia card offers excellent value for online shopping enthusiasts.
- You often use food delivery services: The 5% cashback on Swiggy and Zomato makes this card ideal for frequent food delivery users.
- You prefer straightforward rewards: The simple 1:1 redemption value for statement credit makes it easy to understand and utilize your rewards.
- You have a moderate income: With a lower income eligibility requirement, this card is more accessible to young professionals.
- You want a lower annual fee: At Rs. 1,000, the annual fee is significantly lower than the Diners Club Premium.
Choose HDFC Diners Club Premium Credit Card if:
- You travel frequently: With comprehensive travel insurance, lounge access, and good air mile conversion rates, this card is excellent for travelers.
- You make international purchases: The 10X reward points on international spends and lower forex markup make this ideal for global shoppers.
- You're a high spender: If you can easily meet the Rs. 3 lakhs annual spend requirement for fee waiver, this card offers premium benefits.
- You value concierge services: The dedicated concierge service adds convenience for busy professionals.
- You want premium insurance coverage: The extensive insurance benefits provide significant peace of mind, especially for travelers.
Conclusion
The HDFC Millennia Credit Card is an excellent choice for everyday spenders who shop frequently on e-commerce platforms and use food delivery services. Its straightforward rewards structure and lower fee make it accessible and valuable for most users. The HDFC Diners Club Premium Credit Card, on the other hand, is better suited for frequent travelers and higher spenders who can maximize its premium benefits like lounge access, travel insurance, and concierge services. Your choice should ultimately depend on your spending patterns, travel frequency, and whether you can comfortably meet the minimum spend requirements to waive the annual fee. Both cards offer competitive rewards in their respective segments and can be valuable additions to your wallet when used strategically.
Frequently Asked Questions (FAQs)
