IDFC FIRST Millennia Credit Card vs HDFC Diners Club Black

Joining Fees

₹0

₹10,000

Editor's Rating

2.75

4.6

Key Features

  • Get 10X Reward Points on incremental spends above Rs. 20,000 per month and spends done on the cardholder’s birthday
  • Get 3X  Reward Points on applicable online and offline purchases for spends up to Rs. 20,000 per month
  • Use the Reward points to instantly pay for online or in-store purchases
  • Get 1X Reward Points on Insurance premium payments and Utility bill payments
  • Get 25% discount on movie tickets up to Rs. 100 on Paytm mobile app. This is valid once per month
  • Get 4 complimentary Railway lounge visits per quarter
  • Avail complimentary Roadside Assistance worth Rs. 1,399
  • Fuel surcharge waiver of 1% at all fuel stations in India, up to Rs. 200/month. This is applicable only on transactions between Rs. 200 & Rs. 5000
  • Enjoy 300+ Merchant offers all year long
  • Up to 20% discount at 1500+ restaurants 
  • Up to 15% discount at 3000+ Health & Wellness outlets
  • Avail Personal Accident Cover of Rs. 2,00,000 and Lost Card Liability Cover of Rs. 25,000
  • Convert all transactions above Rs. 2,500 into easy and convenient EMIs from the mobile app
  • Instant EMI conversion for all online transactions above Rs. 2,500 on the bank’s OTP page
  • Enjoy convenient transfer of balances from other bank credit cards with IDFC First Bank’s balance transfer privilege
  • Complimentary Ola cabs | cult.fit Live | BookMyShow | TataCliQ vouchers on spends of over Rs. 80,000 every month
  • Avail 5 Reward Points for every Rs 150 spent
  • Up to 10X Reward Points via SmartBuy and 2X on weekend dining
  • HDFC Bank x Swiggy Dineout - Good food Trail: Enjoy FLAT 10% EXTRA OFF on dining bills at 35K+ restaurants      
  • Travel benefits: Book flight tickets / hotels across 150+  airlines and choice of hotels (Domestic & International) at https://offers.smartbuy.hdfcbank.com/diners
  • Up to 50 days of interest free credit period on the credit card
  • Credit liability cover: Rs. 9 lakh
  • Foreign Currency Markup:  2% on all your foreign currency spends
  • Revolving Credit is available at a nominal interest rate on the HDFC Bank Diners Club Black Credit Card
  • 24/7 Concierge Services
  • Unlimited Airport lounge access to 1000+ Lounges in India and worldwide for primary and add-on card members
  • 1% fuel surcharge waiver at all fuel stations in India on minimum transaction of Rs. 400 and Max CashBack of Rs. 1000 per statement cycle
  • Milestone Benefit: As the milestone benefit the credit card holders can select any 2 benefits amongst cult.fit Live 1 month membership or BookMyShow or TataCLiQ or Ola cabs vouchers worth Rs. 500 every month on spends of Rs. 80,000
  • Annual Spend based benefit: Complimentary annual memberships of Club Marriott, Times Prime, Amazon Prime, Swiggy One (3 months), MMT BLACK can also be availed upon achieving annual spend of Rs 8 Lakhs at the time of card anniversary
  • HDFC Bank Diners Club Black Credit Card comes with an option to convert big spends into EMI after purchase
  • Contactless Payment
  • Air accident insurance cover worth Rs 2 crore
  • Emergency overseas hospitalization: Rs. 50 Lakh
  • Travel Insurance Cover of up to Rs. 55,000 on baggage delay                                                               
  • Credit Liability Cover of up to Rs. 9 Lakh
  • Diners Exclusive Offers: Fast Track Airport Experience, Dining Delight (exclusive dining offers, from gourmet cuisine to local delicacies), Luxury Spas access, and Small Medium Enterprise (SME), which is tailor-made offers such as workspaces, business insurance and wellness discounts to meet business needs
  • Complimentary Golf games across the finest courses in the world ( 6 per quarter)  

Editor's Review

Pros

  • Lifetime free credit card
  • Complimentary Railway lounge access
  • NIL Overlimit fees, NIL Addon charges

Cons

  • No milestone benefits
  • No Airport Lounge Access

Pros

  • Air accident insurance cover worth Rs 2 crore
  • Emergency overseas hospitalization: Rs. 50 Lakh
  • Travel Insurance Cover of up to Rs. 55,000 on baggage delay                                                               
  • Credit Liability Cover of up to Rs. 9 Lakh
  • Diners Exclusive Offers: Fast Track Airport Experience, Dining Delight (exclusive dining offers, from gourmet cuisine to local delicacies), Luxury Spas access, and Small Medium Enterprise (SME), which is tailor-made offers such as workspaces, business insurance and wellness discounts to meet business needs

Cons

  • Joining and renewal fee is on the higher side


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