HDFC Millennia vs HDFC Diners Club Privilege
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
HDFC Millennia wins 5-0. Online shoppers spending ₹15K–50K/month HDFC Diners Club Privilege is still the right call if food delivery regulars who want 5x points on swiggy and zomato..
Side-by-side
| Criterion | HDFC Millennia | HDFC Diners Club Privilege |
|---|---|---|
| Annual fee | = ₹1,000 | = ₹1,000 |
| Joining fee | = ₹1,000 | = ₹1,000 |
| Top reward rate | 5% (shopping) | · 1% (general) |
| Base reward rate | = 1% | = 1% |
| Forex markup | = 3.5% | = 3.5% |
| Welcome bonus | 1,000 CashPoints on ₹1,000 spend in first 90 days | · N/A |
| Fee waiver threshold | ₹1,00,000 / yr | · ₹3,00,000 / yr |
| Min income | = ₹4,20,000 | = ₹4,20,000 |
| Min credit score | 750 | · N/A |
| Editorial rating | 4.6/5 | · 4.1/5 |
Benefits compared
HDFC Millennia
- 5% cashback on Amazon, Flipkart, Myntra, Swiggy, Zomato, BookMyShow, Cult.fit, Sony LIV, Tata CLiQ, Uber
- 1% cashback on all other retail spends
- 8 complimentary domestic airport lounge visits per year
- 1% fuel surcharge waiver (₹400 cap/month)
- Up to 20% off on partner restaurants via Smart EMI
HDFC Diners Club Privilege
- 4 reward points per ₹200 spent
- 5x reward points on Swiggy and Zomato (extra points capped at 2,500 a month)
- 1 point = ₹0.50 on SmartBuy flights and hotels, ₹0.20 as cashback
- Renewal fee waived on ₹3,00,000 spend in a year
- Foreign currency markup 3.5%
FAQ
›HDFC Millennia vs HDFC Diners Club Privilege: which is better?
HDFC Millennia wins on more dimensions (5 vs 0). But the right answer depends on your specific spending pattern. Run your own monthly spend through the maximizer to see which one pays you more.
›Can I get both?
Yes, if your credit profile supports it, holding both is the optimal play. Use HDFC Millennia for online shopping, HDFC Diners Club Privilege for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
HDFC Millennia: 1,000 CashPoints on ₹1,000 spend in first 90 days. HDFC Diners Club Privilege doesn't list a welcome bonus.