Compare cardsTry Tapwise free
HDFC Bank · HDFC Bank
Millennia vs Diners Black
Side-by-side. The card that earns more depends on where you spend, Tapwise crunches the actual numbers for your wallet.
Winner
56composite score
95% rule confidence
95% rule confidence
Winner
43composite score
82% rule confidence
82% rule confidence
Annual fee
₹1,000
₹10,000
Network
Visa
Diners Club
Base reward rate
2.67%
3.33%
Min. income (monthly)
₹35,000
₹1,75,000
Min. credit score
700+
750+
Best for
Online shopping
Travel
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
Millennia56
Diners Black43
Scored on fee, base rate, qualification, and rule confidence. Tapwise's personal recommendation also weighs your actual spending.
Pick the right one for every purchase, automatically.
Tapwise watches caps, exclusions, and stacked offers in real time, and tells you which card to swipe before you tap.