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Side-by-Side Comparison|Updated March 2026

HDFC Bank Diners Club Black Metal Edition vs HDFC Bank Millennia Credit Card

Detailed comparison of fees, rewards, benefits, and value to help you choose the right credit card for your spending pattern.

HDFC Bank

HDFC Bank Diners Club Black Metal Edition

9.2/10
Annual Fee₹10,000
Base Rewards0.9990000000000001%
NetworkDiners Club
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HDFC Bank

HDFC Bank Millennia Credit Card

8.5/10
Annual Fee₹1,000
Base Rewards1%
NetworkVisa
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Feature-by-Feature Comparison

FeatureHDFC Bank Diners Club Black Metal EditionHDFC Bank Millennia Credit Card
Annual Fee₹10,000₹1,000
Joining Fee₹10,000₹1,000
Fee Waiver Spend₹8,00,000₹1,00,000
Base Reward Rate0.9990000000000001%1%
Reward CurrencyReward PointsCashPoints
NetworkDiners ClubVisa
Editor Rating9.2/108.5/10
Forex Markup3.5%3.5%

Accelerated Rewards

HDFC Bank Diners Club Black Metal Edition

  • 0% on SmartBuy Hotels
  • 0% on SmartBuy Flights
  • 0% on Weekend Dining

HDFC Bank Millennia Credit Card

  • 0% on Special Rate

Pros & Cons

HDFC Bank Diners Club Black Metal Edition

Pros

  • Unlimited domestic and international lounge access for both primary and add-on cardholders.
  • High base reward rate of 3.33% (5 RP per ₹150) with 1:1 redemption on flights and hotels.
  • Generous quarterly milestone of 10,000 bonus points on ₹4 Lakhs spend.
  • Complimentary annual memberships of Amazon Prime, Swiggy One, and Club Marriott on meeting spend criteria.

Cons

  • Diners Club network acceptance can be lower than Visa/Mastercard in smaller offline stores.
  • No fuel surcharge waiver, which is a downgrade from the plastic version.
  • High annual fee of ₹10,000 with a steep waiver threshold of ₹8 Lakhs.

HDFC Bank Millennia Credit Card

Pros

  • 5% cashback on 10 major online merchants including Amazon, Flipkart, and Swiggy
  • 1:1 redemption ratio for CashPoints against statement credit
  • Achievable annual fee waiver at ₹1 Lakh annual spend
  • 1,000 CashPoints welcome benefit effectively offsets the joining fee

Cons

  • Monthly cashback capped at ₹1,000 for the 5% category
  • Lounge access is now spend-based (₹1 Lakh per quarter)
  • Excludes rent, fuel, and government transactions from rewards

Our Verdict

HDFC Bank Diners Club Black Metal Edition edges ahead overall with a stronger combination of rewards and value. However, HDFC Bank Millennia Credit Card could be the better pick if its specific category strengths match your spending habits.

Choose HDFC Bank Diners Club Black Metal Edition if

Unlimited global lounge access for self and add-on members plus low forex markup.

Choose HDFC Bank Millennia Credit Card if

High 5% cashback on popular platforms like Amazon, Flipkart, and Zomato.

Frequently Asked Questions

Which is better: HDFC Bank Diners Club Black Metal Edition or HDFC Bank Millennia Credit Card?
HDFC Bank Diners Club Black Metal Edition edges ahead overall with a stronger combination of rewards and value. However, HDFC Bank Millennia Credit Card could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between HDFC Bank Diners Club Black Metal Edition and HDFC Bank Millennia Credit Card?
HDFC Bank Diners Club Black Metal Edition has an annual fee of ₹10,000, while HDFC Bank Millennia Credit Card has an annual fee of ₹1,000. HDFC Bank Diners Club Black Metal Edition offers a fee waiver on ₹8,00,000 annual spend. HDFC Bank Millennia Credit Card offers a fee waiver on ₹1,00,000 annual spend.
Which card has better rewards: HDFC Bank Diners Club Black Metal Edition or HDFC Bank Millennia Credit Card?
HDFC Bank Diners Club Black Metal Edition offers a base reward rate of 0.9990000000000001% with accelerated rewards on SmartBuy Hotels and SmartBuy Flights. HDFC Bank Millennia Credit Card offers 1% base rewards with bonuses on Special Rate. The better choice depends on your primary spending categories.
Can I have both HDFC Bank Diners Club Black Metal Edition and HDFC Bank Millennia Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. HDFC Bank Diners Club Black Metal Edition and HDFC Bank Millennia Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: HDFC Bank Diners Club Black Metal Edition or HDFC Bank Millennia Credit Card?
For beginners, HDFC Bank Millennia Credit Card may be more approachable with a lower annual fee of ₹1,000. However, evaluate based on your expected spending pattern rather than fee alone.

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