HDFC Diners Club Miles Credit Card vs HDFC Millennia Credit Card
Last Updated : Jan. 9, 2021, 5:11 p.m.
Most individuals prefer HDFC Credit Cards to enjoy the credit limit and the offers on them. But on the other hand, due to the availability of many HDFC Credit Cards, it becomes difficult for an individual to choose only one HDFC Credit Card . Therefore it is important for you to compare all your preferred cards and then choose one card. Here you can see the difference between HDFC Diners Club Miles Credit Card vs HDFC Millennia Credit Card because most people get confused when they have one card among them. You can compare their features and benefits and fees and charges before applying for them.
Comparison of HDFC Diners Club Miles and Millennia Credit Card
| Basis of Difference | HDFC Diners Club Miles Credit Card | HDFC Millennia Credit Card |
|---|---|---|
| Welcome Offer | There are no welcome offers available on this credit card. | - You will get 1000 Cash Points as a welcome benefit on the payment of joining fees. - You will also get a Gift Voucher of ₹1000 by spending ₹1 Lac in a quarter. |
| Reward Points and Cashback | - Earn 4 Reward Points on the expenditure of every ₹150. - Redeem those reward points while booking flights and hotels. | - Enjoy 5% Cashback on Amazon, Flipkart, Flight, and Hotel bookings on shopping via PayZapp and SmartBuy, and the minimum transaction must be of ₹2000. - Enjoy 2.5% Cashback on all online spends and the minimum transaction must be at least ₹2000 - Earn a CashBack of 1% on all offline spends and Wallet reloads and ₹100 must be the minimum transaction. |
| Airport Lounge Access | Enjoy 6 Complimentary Access to the airport lounges worldwide at 1000+ airport lounges. | - Enjoy 8 Complimentary Access to the Domestic Airport Lounges through this credit card. - You can enjoy a Maximum of 2 Complimentary Visits per Quarter. |
| Fuel Surcharge Waiver | There are no offers for the fuel surcharge waiver. | Get a Fuel Surcharge Waiver of 1% with a maximum of ₹250 per statement cycle. |
| Other Benefits | - Enjoy an Air accident cover worth ₹1 crore. - Have a Medical emergency insurance cover of up ₹25 lacs. - Use the Travel insurance cover of ₹50000 for baggage delay or loss - Get a Credit liability cover of ₹9 lacs. - Enjoy a Discount of 15% at 1400+ restaurants partnered with the HDFC Bank. | - Spend ₹30000 and above within 90 days of card issuance and waive off the first year membership fee. - Enjoy Contactless Payments through this Credit Card. |
Comparison of Fees and Other Charges of these Cards
| Fees and Charges | HDFC Diners Club Miles Credit Card | HDFC Millennia Credit Card |
|---|---|---|
| Joining Fees | ₹1000 + Applicable Taxes | ₹1000 + Applicable Taxes |
| Renewal Fees | ₹1000 + Applicable Taxes | ₹1000 + Applicable Taxes |
| Waiving Off Criteria | Waive off the Renewal Fee by Spending ₹1 Lacs in a year | Spend ₹1 Lac and above to waive off the renewal fees |
| Add-on Card Fees | Lifetime Free | Lifetime Free |
| Finance Charges | 3.49% per month | 3.49% per month |
| Cash Advance Fees | 2.5% of the Amount with a minimum of ₹500 | 2.5% of the Amount with a minimum of ₹500 |
| Late Payment Charges | - NIL for the amount of up to ₹99. - ₹100 for the amount between ₹100 to ₹500. - ₹500 for the amount between ₹501 to ₹5000. - ₹600 for the amount between ₹5001 to ₹10000. - ₹800 for the amount between ₹10001 to ₹25000. - ₹1100 for the amount between ₹25001 to ₹50000. - ₹1300 for the amount of above ₹50000. | - NIL for the amount of up to ₹99. - ₹100 for the amount between ₹100 to ₹500. - ₹500 for the amount between ₹501 to ₹5000. - ₹600 for the amount between ₹5001 to ₹10000. - ₹800 for the amount between ₹10001 to ₹25000. - ₹1100 for the amount between ₹25001 to ₹50000. - ₹1300 for the amount of above ₹50000. |
Eligibility Criteria for both the Credit Cards
| Criteria | HDFC Diners Club Miles Credit Card | HDFC Millennia Credit Card |
|---|---|---|
| Minimum Age of the Applicant | 21 Years | 21 Years |
| Maximum Age of the Applicant | 60 Years | 65 Years |
| Minimum Salary | ₹30000 per month | ₹25000 per month |
| Cibil Score of the Applicant | 750 and Above | 750 and Above |
| Citizenship Status of the Applicant | Must be a Citizen of India | Must be a Citizen of India |
Conclusion
You can see all the differences between HDFC Diners Club Miles Credit Card vs HDFC Millennia Credit Card. Both of these HDFC Credit Cards are unique in their own way and they have their own benefits. On the other hand, you can check all the possible differences between these two cards so that you can decide on one card for yourself. The comparison of features, benefits, fees, and charges of these credit cards can give you a better choice for choosing only one card.