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HDFC Bank · HDFC Bank
Diners Black vs Millennia
Side-by-side. The card that earns more depends on where you spend, Tapwise crunches the actual numbers for your wallet.
Winner
43composite score
82% rule confidence
82% rule confidence
Winner
56composite score
95% rule confidence
95% rule confidence
Annual fee
₹10,000
₹1,000
Network
Diners Club
Visa
Base reward rate
3.33%
2.67%
Min. income (monthly)
₹1,75,000
₹35,000
Min. credit score
750+
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.
- Lighter annual fee, ₹1,000 vs ₹10,000.
- Easier to qualify, ₹35,000/mo income gets you in versus ₹1,75,000/mo.
Composite score
Diners Black43
Millennia56
Scored on fee, base rate, qualification, and rule confidence. Tapwise's personal recommendation also weighs your actual spending.
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