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HDFC Bank Diners Club Privilege Credit Card VS HDFC Bank Millennia Credit Card

A detailed, side-by-side look at 2 leading credit cards. Analyze the features that matter most to you and make an informed choice.
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Last updated: 30 June 2026

Both HDFC Bank Millennia Credit Card and HDFC Bank Diners Club Privilege Credit Card suit dining-focused spenders, but they earn and cost differently. HDFC Bank Millennia Credit Card costs ₹1,000 + GST and earns 5% cashback on select online merchants & 1% on other eligible online/offline spends. HDFC Bank Diners Club Privilege Credit Card costs ₹1,000 + GST and earns 4 Reward Points on every Rs.150 retail spends. Up to 10X RP on SmartBuy, 5X RP on Swiggy & Zomato. HDFC Bank Millennia Credit Card also brings complimentary airport lounge access voucher upon achieving quarterly spend milestones, while HDFC Bank Diners Club Privilege Credit Card counters with 2 complimentary lounge visits per quarter in India. If shopping spending matters more, go with HDFC Bank Millennia Credit Card; if premium is the priority, HDFC Bank Diners Club Privilege Credit Card fits better.

HDFC Bank Diners Club Privilege Credit Card
HDFC Bank Diners Club Privilege Credit Card
HDFC Bank Millennia Credit Card
HDFC Bank Millennia Credit Card

Fees & Charges

Joining Fee₹1,000 + GST
Joining Fee₹1,000 + GST
Renewal Fee₹1,000 + GST
Renewal Fee₹1,000 + GST
Spend Based WaiverRenewal fee waived for next year on spends of Rs. 3 Lakhs in the card anniversary year.
Spend Based WaiverRenewal fee waived on spending ₹1,00,000 or more in the preceding 12 months.
Foreign Transaction FeesA nominal 3.5% on all your foreign currency spends.
Foreign Transaction Fees3.5% + GST on international spends.
Interest Rate (APR)3.75% Per Month (equivalent to 45% Per Annum).
Interest Rate (APR)3.75% per month (45% annually).

Rewards & Benefits

Welcome BonusComplimentary annual memberships of Swiggy One and Times Prime on spending ₹75,000 within 90 days.
Welcome BonusReceive 1,000 bonus CashPoints upon successful realization of the joining fee.
Rewards RateEarn 4 Reward Points on every Rs.150 retail spends. Up to 10X RP on SmartBuy, 5X RP on Swiggy & Zomato.
Rewards RateEarn 5% cashback on select online merchants & 1% on other eligible online/offline spends.
Reward TypeReward Points
Reward TypeCashback
Reward Redemption FeeRs 99 per redemption request (plus applicable taxes).
Reward Redemption Fee₹50 + GST for cash redemption, ₹99 + GST for other requests (effective Aug 2024).

Travel & Lifestyle

Domestic Lounge Access2 complimentary lounge visits per quarter in India.
Domestic Lounge AccessComplimentary airport lounge access voucher upon achieving quarterly spend milestones.
International Lounge Access2 complimentary lounge visits per quarter worldwide (including international destinations).
International Lounge AccessNot Applicable
Travel Benefits2 complimentary airport lounge accesses every quarter worldwide. Up to 10X Rewards on booking flights & hotels via Smartbuy.
Travel BenefitsRedeem CashPoints for up to 50% of flight & hotel bookings via SmartBuy Rewards Portal.
Movie Benefits'Buy 1 Get 1 Free' on movie/non-movie weekend tickets via BookMyShow (max discount Rs. 250/ticket, up to 2 monthly).
Movie Benefits5% cashback on BookMyShow and Sony LIV, capped at 1,000 CashPoints per cycle.
Dining BenefitsEarn 5X Reward Points on Swiggy and Zomato. FLAT 10% EXTRA OFF on dining bills at 35K+ restaurants via Swiggy Dineout.
Dining Benefits10% additional discount on Swiggy Dineout, flat ₹200 off (min ₹2000), twice monthly.
Golf BenefitsNot Applicable
Golf BenefitsNot Applicable
Fuel Surcharge WaiverNot applicable.
Fuel Surcharge Waiver1% waiver for transactions ₹400-₹5,000, max ₹250 per statement cycle.

Security & Other

Insurance BenefitsAir accident ₹1 Cr, overseas hospitalization ₹25 Lakhs, travel insurance ₹50k, credit liability ₹9 Lakh.
Insurance BenefitsZero liability on fraudulent transactions if lost card is reported immediately.
Cash Advance Charges2.5% of the withdrawal amount, subject to a minimum charge of Rs 500.
Cash Advance Charges2.5% of transaction amount, minimum fee of ₹500.
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

HDFC Bank Diners Club Privilege Credit Card

HDFC Bank Millennia Credit Card

Who is it for?

HDFC Bank Diners Club Privilege Credit Card is a sub-premium credit card offering a range of rewards and benefits tailored for a premium lifestyle. Cardholders receive complimentary annual memberships to Swiggy One and Times Prime as a welcome benefit upon spending ₹75,000 within the first 90 days. The card provides 4 Reward Points for every ₹150 spent on retail, with accelerated earnings of up to 10x Reward Points on SmartBuy spends and 5x Reward Points on Swiggy and Zomato transactions. Additionally, it offers 'Buy 1 Get 1 Free' on weekend movie/non-movie tickets via BookMyShow and provides complimentary access to over 1,000 airport lounges worldwide.

Who is it for?

The HDFC Bank Millennia Credit Card is an entry-level cashback card primarily designed for young professionals and millennials. It offers a significant 5% cashback on popular online merchants and 1% on other eligible spends. Users can enjoy attractive gift vouchers for achieving quarterly spend milestones and a renewal fee waiver based on annual spending. This card is positioned to help users save on lifestyle expenses and build a strong credit profile through versatile reward redemptions.

Pros

Key benefits and features.

Earn 4 Reward Points per Rs. 150 spent, with accelerated 5x Reward Points on Zomato and Swiggy spends.

Frequent travelers benefit from 8 complimentary domestic and international lounge access per year.

Avail complimentary annual Swiggy One and Times Prime memberships as welcome benefits on eligible spend.

Enjoy 'Buy 1 Get 1 Free' movie/non-movie tickets on weekends via BookMyShow, enhancing entertainment value.

The card offers impressive insurance benefits, including air accident and overseas hospitalization cover.

Pros

Key benefits and features.

High 5% cashback on popular partner merchants including Myntra, Amazon.

Renewal fee waiver on spending ₹1 Lakh in the card anniversary year.

Provides substantial savings for digital-savvy consumers on daily spends.

Cons

Key drawbacks and limitations.

The welcome benefit offers of Swiggy One and Times Prime memberships may not be desired by all cardholders.

The annual fee of Rs 1,000 + taxes is relatively higher than some competing credit card options.

A rewards redemption fee of Rs 99 + taxes is applicable for each redemption request.

A foreign currency markup of 3.5% applies to international transactions, which can be quite high.

Interest rates of 3.75% per month (45% annually) can lead to high costs if balances are carried over.

Cons

Key drawbacks and limitations.

Earns a lower 1% cashback on offline/online spends at non-partner merchants.

Accelerated 5% cashback is capped at 1,000 CashPoints per statement cycle.

A minimum of 500 CashPoints are required to redeem against statement balance.

How We Compare These Cards

Every comparison on CardsForYou is built from the same verified data set we use across the site - joining and renewal fees, reward rates, forex markup, lounge access, and insurance benefits - sourced directly from each issuer and refreshed regularly. We highlight the lower-cost option on fees automatically, but "best" always depends on your own spending pattern: a card that wins on annual fee may lose on reward rate for a heavy spender, and vice versa. Use the table above alongside your own typical monthly spend to judge real value, not just the headline numbers.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.
Apply for HDFC Bank Diners Club Privilege Credit Card(opens in new tab)Apply for HDFC Bank Millennia Credit Card(opens in new tab)