HDFC Diners Club Rewardz Credit Card vs HDFC Millennia Credit Card
Last Updated : Jan. 11, 2021, 5:24 p.m.
There are multiple banks that give you the facility of a credit card but a person applying for the card for the first time gets confused between many cards. If we talk about the HDFC Bank then there are multiple credit cards issued by this bank and the applicant gets into the dilemma of choosing only one card. So, we have discussed the differences between the two known credit cards in this article. You must compare the features and benefits of HDFC Diners Club Rewardz Credit Card vs HDFC Millennia Credit Card to clear out your confusion. Both of these credit cards are unique in their own way and have exclusive benefits.
Comparison of HDFC Diners Club Rewardz and Millennia Credit Card
| Basis of Difference | HDFC Diners Club Rewardz Credit Card | HDFC Millennia Credit Card |
|---|---|---|
| Welcome Offer | - Enjoy 1000 Reward Points as the welcome benefit on this credit card. - Get a Renewal benefit of 1000 points at the time of renewal. | - Enjoy 1000 Cash Points as a welcome benefit on the payment of joining fees. - You will also enjoy a Gift Voucher of ₹1000 by spending ₹1 Lac in a quarter. |
| Reward Points and Cashback | - Get 3 Reward Points on the expenditure of every ₹150. - Earn 10X Reward Points at the partnered brands with HDFC Bank. - Redeem the earned reward points while booking your flights and hotels. | - Have 5% Cashback on Amazon, Flipkart, Flight, and Hotel bookings on shopping via PayZapp and SmartBuy, and the minimum transaction must be of ₹2000. - Get 2.5% Cashback on all online spends and the minimum transaction must be at least ₹2000 - Get a CashBack of 1% on all offline spends and Wallet reloads and ₹100 must be the minimum transaction. |
| Airport Lounge Access | There is no complimentary airport access is available on this credit card. | - Enjoy 8 Complimentary Access to the Domestic Airport Lounges through this credit card. - You are allowed to enjoy a Maximum of 2 Complimentary Visits per Quarter. |
| Fuel Surcharge Waiver | There are no offers for the fuel surcharge waiver. | Have a Fuel Surcharge Waiver of 1% with a maximum of ₹250 per statement cycle. |
| Other Benefits | - Get 24X7 Concierge Service while travelling. - Get the lowest foreign markup fees of 3%. | - 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 Rewardz 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 | Renewal Fees will be waived off after the annual spend of ₹1 Lac. | 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 | 5% of the Amount with a minimum of ₹200 | 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 Rewardz Credit Card | HDFC Millennia Credit Card |
|---|---|---|
| Minimum Age of the Applicant | 21 Years | 21 Yearsq |
| 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
These are the major differences between HDFC Diners Club Rewardz Credit Card vs HDFC Millennia Credit Card and now you can apply for any credit card . The comparison between these cards might remove your confusion while you are choosing a card. Both of these credit cards are helpful in saving some extra bucks from your monthly expenses. On the other hand, both these HDFC Credit Cards are unique in their own way and it depends on how you use the card.