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Side-by-Side Comparison|Updated March 2026

HDFC Bank Harley-Davidson Diners Club Credit Card 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 Harley-Davidson Diners Club Credit Card

8.2/10
Annual Fee₹2,500
Base Rewards0.534%
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 Harley-Davidson Diners Club Credit CardHDFC Bank Millennia Credit Card
Annual Fee₹2,500₹1,000
Joining Fee₹2,500₹1,000
Fee Waiver Spend₹3,00,000₹1,00,000
Base Reward Rate0.534%1%
Reward CurrencyReward PointsCashPoints
NetworkDiners ClubVisa
Editor Rating8.2/108.5/10
Forex Markup3.5%3.5%

Accelerated Rewards

HDFC Bank Harley-Davidson Diners Club Credit Card

  • 0% on Harley-Davidson Spends
  • 0% on Swiggy & Zomato
  • 0% on SmartBuy Travel

HDFC Bank Millennia Credit Card

  • 0% on Special Rate

Pros & Cons

HDFC Bank Harley-Davidson Diners Club Credit Card

Pros

  • 10X Reward Points on Harley-Davidson merchandise and service spends.
  • 5X Reward Points on Swiggy and Zomato (up to 2,500 bonus points/month).
  • Complimentary Swiggy One and Times Prime annual memberships as welcome benefits.
  • Buy 1 Get 1 Free on BookMyShow for weekend movie tickets (up to ₹250 off).

Cons

  • High foreign currency markup of 3.5% compared to premium cards.
  • Lounge access is contingent on spending ₹15,000 in the previous calendar quarter.
  • Reward points are not earned on fuel, EMI, and wallet transactions.

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

Choose HDFC Bank Harley-Davidson Diners Club Credit Card if

Massive 10X rewards on bike servicing and official merchandise.

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 Harley-Davidson Diners Club Credit Card or HDFC Bank Millennia Credit Card?
HDFC Bank Millennia Credit Card edges ahead overall with a stronger combination of rewards and value. However, HDFC Bank Harley-Davidson Diners Club 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 Harley-Davidson Diners Club Credit Card and HDFC Bank Millennia Credit Card?
HDFC Bank Harley-Davidson Diners Club Credit Card has an annual fee of ₹2,500, while HDFC Bank Millennia Credit Card has an annual fee of ₹1,000. HDFC Bank Harley-Davidson Diners Club Credit Card offers a fee waiver on ₹3,00,000 annual spend. HDFC Bank Millennia Credit Card offers a fee waiver on ₹1,00,000 annual spend.
Which card has better rewards: HDFC Bank Harley-Davidson Diners Club Credit Card or HDFC Bank Millennia Credit Card?
HDFC Bank Harley-Davidson Diners Club Credit Card offers a base reward rate of 0.534% with accelerated rewards on Harley-Davidson Spends and Swiggy & Zomato. 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 Harley-Davidson Diners Club Credit Card and HDFC Bank Millennia Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. HDFC Bank Harley-Davidson Diners Club Credit Card and HDFC Bank Millennia Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: HDFC Bank Harley-Davidson Diners Club Credit Card 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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