vs
In short: both charge a ₹1,000 annual fee; both charge a 3.5% forex markup.
| Key facts | HDFC Diners Club Privilege | HDFC Millennia |
|---|---|---|
| Annual fee | ₹1,000 | ₹1,000 |
| Joining fee | ₹1,000 | ₹1,000 |
| Annual fee waived | On ₹3 lakh annual spend | On ₹1 lakh annual spend |
| Top reward rate | 4 reward points For Every ₹200 | 5% cashback on Amazon, Flipkart, Swiggy and 7 more |
| Base rewards | 4 reward points For Every ₹200 | 1% Cashback on All Other Spends |
| Lounge access | 2 airport lounge visits a quarter | Not listed |
| Forex markup | 3.5% | 3.5% |
From issuer benefit data, checked 4 Nov 2026. Milestones, welcome benefits and caps are in the full table below.
On ₹20,000 a month with ₹5,000 at each card's top rate, HDFC Millennia returns about ₹2,400 more a year after annual fees (₹4,800 vs ₹2,400 in rewards).
| Spend profile | HDFC Diners Club Privilege | HDFC Millennia |
|---|---|---|
| Reward value: top rate / base rate | 1% / 1% | 5% / 1% |
| ₹20,000 a month, all general spends | ₹2,400 | ₹2,400 |
| ₹20,000 a month, ₹5,000 of it at each card's top rate | ₹2,400 | ₹4,800 |
| Annual fee | ₹1,000 | ₹1,000 |
Estimates from the earn rates above, with stated cashback caps applied, before exclusions. Reward points are valued at the card's best listed redemption (often travel or vouchers via the bank's portal); cash-back on the statement is usually worth less. Annual fees may be waived on spend (see the table below).
The HDFC Bank Diners Club Privilege Credit Card and the HDFC Bank Millennia Credit Card Visa both carry a Rs.1000 joining and renewal fee with fee waivers based on quarterly or annual spends. The Diners Club card focuses on reward points with accelerated earnings on dining and groceries, while the Millennia card offers cashback primarily on popular online platforms and general spends. Lounge access and fuel surcharge waivers differ notably between these cards.
Comparison notes and quick badges use AI, grounded in the benefit data shown in the table. Confirm details on each issuer’s site.
Last updated:
| Feature | HDFC Bank Diners Club Privilege Credit Card | Hdfc Bank Millennia Credit Card Visa |
|---|---|---|
| Bank | HDFC Bank | HDFC Bank |
| Network | Diners | Visa |
| Joining fee | Joining Fee of Rs.1000 | Joining Fee of Rs.1000 |
| Annual / renewal fee | Renewal Fee of Rs.1000 | Renewal Fee of Rs. 1000 |
| Annual fee waiver | Spend Rs.300000 For Renewal Fee Waiver | Spend Rs.1 Lakh For Renewal Fee Waiver |
| Top reward rate | Earn 4 Rewards Points For Every Rs.200 | 5% cashback on Amazon, Flipkart, Swiggy and 7 more |
| Base rate (other spends) | — | 1% Cashback on All Other Spends |
| Lounge — domestic | 2 Complimentary Airport Lounge Access Per Quarter | — |
| Lounge — international | 1 Complimentary Airport Lounge Access Per Quarter | — |
| Fuel surcharge waiver | — | 1% Fuel Surcharge Waiver |
| Welcome benefit | Complimentary Annual Memberships of Swiggy One | Welcome Benefit - Rs.1000 CashPoints |
| Milestone benefit | Enjoy Rs.1500 Voucher on Spend of Rs.150000 in Calendar Quarter | Rs.1000 Worth Gift Vouchers on Spends of Rs.1 Lakh |
| Foreign currency markup | 3.5% - Foreign Currency Transactions | 3.50% - Foreign Currency Transactions |
For rewards, the HDFC Bank Millennia Credit Card Visa clearly leads with a top cashback rate of 5% on select merchants like Amazon, Flipkart, and Swiggy, and a base cashback of 1% on all other spends. In contrast, the Diners Club Privilege card offers 4 reward points per Rs.200 spent, which translates roughly to a 1% value, with accelerated 5X points on dining and 10X on Smartbuy. At Rs.20,000 monthly spend, Millennia yields about Rs.4,800 annually in rewards compared to Rs.2,400 for Diners Club, making Millennia more rewarding for everyday and online shopping.
Regarding travel benefits, the Diners Club Privilege card provides complimentary airport lounge access with 2 domestic and 1 international lounge visits per quarter, which can be valuable for frequent flyers. The Millennia card does not list any lounge access benefits in our data. However, both cards charge a 3.5% forex markup fee, so neither offers a forex advantage. If airport lounge access is important, Diners Club has the edge.
Both cards have a Rs.1000 joining and renewal fee with fee waivers tied to spending thresholds—Rs.3,00,000 quarterly for Diners Club and Rs.1,00,000 annually for Millennia. The Millennia card additionally offers a 1% fuel surcharge waiver, which the Diners Club card does not list. Effective cost depends on your spending pattern and ability to meet waiver criteria, but the Millennia card may offer slightly better fee value for moderate spenders due to the lower waiver threshold and fuel surcharge benefit.
The Diners Club Privilege card earns reward points which can be redeemed through various programs including Smartbuy for accelerated value, while the Millennia card offers cashback directly credited as CashPoints. This makes Millennia simpler for users who prefer cashback over points management.
Diners Club requires a higher quarterly spend of Rs.3,00,000 for renewal fee waiver, whereas Millennia needs Rs.1,00,000 annually. This difference affects which card is more cost-effective depending on your spending habits.
Consider HDFC Bank Diners Club Privilege Credit Card if you value airport lounge access both domestically and internationally, and prefer earning reward points that can be maximized on dining and Smartbuy. This card suits those who can meet the higher quarterly spend for fee waiver and want lifestyle perks like complimentary Swiggy One and Times Prime memberships.
Consider HDFC Bank Millennia Credit Card Visa if you prefer straightforward cashback rewards with a strong 5% rate on popular online platforms such as Amazon, Flipkart, and Swiggy, plus a 1% cashback on all other spends. It is also a good choice if you want a lower renewal fee waiver threshold and benefit from a 1% fuel surcharge waiver, making it beginner-friendly and practical for everyday shopping.
Both HDFC Bank Diners Club Privilege and Millennia Credit Cards have a joining and renewal fee of Rs.1000.
The Millennia card offers 5% cashback on multiple online platforms including Swiggy, Amazon, and Flipkart, while the Diners Club card gives 5X reward points on Swiggy and Zomato and 10X on Smartbuy.
Only the HDFC Bank Diners Club Privilege Credit Card provides complimentary airport lounge access — 2 domestic and 1 international lounge visits per quarter. The Millennia card does not list lounge access benefits.
The Millennia card offers a 1% fuel surcharge waiver, effective from October 2025, while the Diners Club Privilege card does not list any fuel surcharge waiver.
Both cards charge a forex markup fee of 3.5% on foreign currency transactions.
Diners Club Privilege waives the renewal fee if you spend Rs.3,00,000 in a calendar quarter, whereas Millennia waives it if you spend Rs.1,00,000 in a calendar quarter.