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HDFC Bank · HDFC Bank
Diners Club Privilege vs Millennia
Side-by-side. The card that earns more depends on where you spend, Tapwise crunches the actual numbers for your wallet.
Winner
45composite score
95% rule confidence
95% rule confidence
Winner
56composite score
95% rule confidence
95% rule confidence
Annual fee
₹2,500
₹1,000
Network
Diners Club
Visa
Base reward rate
1.3%
2.67%
Min. income (monthly)
₹75,000
₹35,000
Min. credit score
720+
700+
Best for
Travel
Online shopping
Bonus reward categories differ, see the rule tables on each card's detail page for the fine print.
Tapwise verdict
Millennia edges out for most wallets.
- Better base rate, 2.67% vs 1.3% on everything outside a bonus bucket.
- Lighter annual fee, ₹1,000 vs ₹2,500.
- Easier to qualify, ₹35,000/mo income gets you in versus ₹75,000/mo.
Composite score
Diners Club Privilege45
Millennia56
Scored on fee, base rate, qualification, and rule confidence. Tapwise's personal recommendation also weighs your actual spending.
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