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HDFC Diners Club Miles Credit Card vs HDFC Millennia Credit Card

Highlights

  • Know all the differences between HDFC Diners Club Miles and HDFC Millennia Credit Card.
  • Take a look at the features and benefits of these cards.
  • Compare the fees and eligibility criteria of these credit card cards.

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.

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Comparison of HDFC Diners Club Miles and Millennia Credit Card

Basis of DifferenceHDFC Diners Club Miles Credit CardHDFC Millennia Credit Card
Welcome OfferThere 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 AccessEnjoy 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 WaiverThere 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.
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Comparison of Fees and Other Charges of these Cards

Fees and ChargesHDFC Diners Club Miles Credit CardHDFC Millennia Credit Card
Joining Fees₹1000 + Applicable Taxes₹1000 + Applicable Taxes
Renewal Fees₹1000 + Applicable Taxes₹1000 + Applicable Taxes
Waiving Off CriteriaWaive off the Renewal Fee by Spending ₹1 Lacs in a yearSpend ₹1 Lac and above to waive off the renewal fees
Add-on Card FeesLifetime FreeLifetime Free
Finance Charges3.49% per month3.49% per month
Cash Advance Fees2.5% of the Amount with a minimum of ₹5002.5% 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

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.

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