Choosing the right credit card can be challenging. Let’s compare two popular options from HDFC Bank: HDFC Diners Club Privilege Credit Card and HDFC Millennia Credit Card. Both cater to different needs and offer unique benefits.
Compare the Top Features of Both Cards
| Features | Millennia | Diners Club Privilege |
|---|---|---|
| Joining/Renewal Fee | ₹1,000 + GST | ₹2,500 + GST |
| Best Suited For | Shopping | Movies |
| Welcome Benefits | 1,000 CashPoints | Complimentary Membership of Swiggy One & Times Prime |
| Rewards Rate | 5% Cashback on Online Partner Websites and 1% Cashback on Other Eligble Categories | 4 Reward Points on Every Rs 150 Spent and 20X RPs on Swiggy and Zomato Spends |
| Milestone Benefits | Vouchers Worth ₹1,000 on Spends of ₹1 Lakh Each Quarter | Vouchers Worth ₹1500 from Marriott, O2 Spa, Lakme Salon, Barbeque Nation, or Decathlon on Quarterly Spends of ₹1.5 Lakh |
| Lounge Access | N/A | 8 Complimentary Domestic/International Airport Lounge Access |
Which Card Should You Choose?
HDFC Diners Club Privilege Credit Card:
- Perfect for frequent travelers who value lounge access and travel perks.
- Ideal if you prefer earning reward points over cashback.
- Great for significant dining and entertainment spends, especially on Swiggy, Zomato, and BookMyShow.
- Suitable if you can meet the higher annual spend requirement to get the fee waived.
HDFC Millennia Credit Card:
- Best for young professionals or millennials who shop frequently online.
- Preferable if you want straightforward cashback rewards.
- Lower annual fee with potential fee waivers.
- Ideal for those who want easily achievable quarterly milestone benefits.
Choose based on your spending habits and what perks you value the most!