HDFC Diners Club Black Metal Edition vs IDFC FIRST Millennia Credit Card Compared
Which credit card suits you? Side by side on the numbers that decide it. A blank means the provider has not published that figure, not that it is zero. Data last verified: 24 October 2026.
| Feature |  HDFC Diners Club Black Metal EditionHDFC Bank5 recent changes → |  IDFC FIRST Millennia Credit CardIDFC First Bank7 recent changes → | |
|---|---|---|---|
| Rewards by spend | |||
| Rewards | 3.33% base, up to 4.33% on dining; 33.33% only at partner merchants | 0.38% base, up to 1.25% on dining | |
| UPI payments (scan and pay)same | Earns nothing | Earns nothing | |
| Online shopping | 3.33%; 16.5% only at HDFC SmartBuy; 10% only at HDFC SmartBuy brand vouchers | 0.38% | |
| Dining and food delivery | 4.33% | 1.25% | |
| Groceries | 3.33% | 0.38% | |
| Travel: flights, hotels, trains | 3.33%; 33.33% only at HDFC SmartBuy | 1.25% | |
| Fuelsame | Earns nothing | Earns nothing | |
| Bills and recharges | 3.33% | 0.13% | |
| Rent | Earns nothing | 0.38% | |
| Insurance premiums | 3.33% | 0.38% | |
| School and college fees | 3.33% | 0.38% | |
| Wallet top-ups | Earns nothing | 0.38% | |
| Taxes and government payments | Earns nothing | Not stated | |
| Spend abroad or in a foreign currency | 3.33% | Earns nothing | |
| Everything else | 3.33% | 0.38% | |
| Card identity | |||
| Card type | Travel | Dining | |
| Network | Diners Club | Visa | |
| Card tier | Super premium | Entry | |
| Fees | |||
| Joining fee | ₹10,000 + GST | Free | |
| Annual fee | ₹10,000 + GST | Free | |
| Lifetime free | No | Yes | |
| Fee waived at | ₹8,00,000 | - | |
| Eligibility | |||
| Min age | 21 years | - | |
| Max age | 60 years | - | |
| Employment typesame | BOTH | BOTH | |
| Min monthly salary | ₹2,50,000 | ₹25,000 | |
| Rewards | |||
| Reward typesame | Reward points | Reward points | |
| Point value | ₹1 | ₹0 | |
| Fuel surcharge | |||
| Fuel surcharge waiver | No | Yes | |
| Lounge access | |||
| Domestic lounge visits | 999 | 0 | |
| Domestic lounge unlimited | Yes | No | |
| International lounge visits | 999 | 0 | |
| International lounge unlimited | Yes | No | |
| Railway lounge visits | - | 16 | |
| Lounge programme | PRIORITY_PASS | - | |
| Priority Pass | Yes | No | |
| Lounge condition | Unlimited access to 1,300+ lounges worldwide on the Diners Club network, the card itself is the credential, no Priority Pass enrolment | Spend Rs 20,000 in the previous month for lounge access | |
| Forex and international | |||
| Forex markup | 2% | None | |
| Interest and charges | |||
| Interest rate (monthly) | 1.99% | 0.71% | |
| Interest rate (annual) | 23.88% | 8.52% | |
| Redemption | |||
| Redemption fee | - | ₹99 | |
| Page content | |||
| Documents neededsame | PAN card Aadhaar / valid address proof Latest 3 months bank statement Income proof, salary slips (salaried) or ITR (self-employed) Recent passport-size photograph | PAN card Aadhaar / valid address proof Latest 3 months bank statement Income proof, salary slips (salaried) or ITR (self-employed) Recent passport-size photograph | |
| Apply | Apply Now | Apply Now | |
Worth in Rupees at ₹20,000 a Month
- Rewards a year
- ₹8,604
- Fee a year
- - ₹11,800
- You keep
- - ₹3,196
- Rewards a year
- ₹1,440
- Fee a year
- ₹0
- You keep
- ₹1,440
At this spend, IDFC FIRST Millennia Credit Card comes out ₹4,636 a year ahead of HDFC Diners Club Black Metal Edition. Worked out from each card's published reward rate, caps and fee, on ₹20,000 a month. Your own spend changes the answer: try the rewards calculator.
Best For
- High earners who travel often
- SmartBuy hotel and flight bookers
- Golfers
- Big spenders who can clear Rs 8 lakh a year
- First-time card users
- Young earners
- UPI payment users
- People who want no annual fee
Watch-Outs
- No points on fuel, rent, wallet loads, government payments or EMIs
- Needs a monthly income of about ₹2,50,000
- SmartBuy brand-voucher earning was cut to 3,000 points a month
- 1% fee on rent and wallet loads
- Base earning is only about 0.38%
- Low earning on utility bills
- No airport lounge access
Card data sourced via CardAdvisor.in (HDFC Diners Club Black Metal Edition, IDFC FIRST Millennia Credit Card), India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.
Questions People Ask
Which has the lower annual fee, HDFC Diners Club Black Metal Edition or IDFC FIRST Millennia Credit Card?
IDFC FIRST Millennia Credit Card. IDFC FIRST Millennia Credit Card: no annual fee; HDFC Diners Club Black Metal Edition: ₹10,000. Check whether a spend-based waiver applies before you decide.
Which is better for spending abroad?
IDFC FIRST Millennia Credit Card has the lowest forex markup. IDFC FIRST Millennia Credit Card: 0%; HDFC Diners Club Black Metal Edition: 2%. The markup is charged on every foreign-currency transaction, before GST.
Which earns more on everyday spending?
On spends outside any bonus category: HDFC Diners Club Black Metal Edition 3.33%, IDFC FIRST Millennia Credit Card 0.38%. Bonus categories, rates limited to named merchants and monthly caps change the picture, so compare the rewards by spend too.
Which gives airport lounge access?
HDFC Diners Club Black Metal Edition: unlimited domestic lounge visits; IDFC FIRST Millennia Credit Card: no complimentary lounge visits. Some cards need a minimum spend in the quarter before a visit counts, so check the lounge terms.
Which is easier to get?
By stated minimum monthly income: IDFC FIRST Millennia Credit Card ₹25,000, HDFC Diners Club Black Metal Edition ₹2,50,000. Banks also weigh your credit score and existing relationship, so meeting the income is not a guarantee.
Can I hold more than one of these cards?
Usually yes, if each bank approves you. Many people keep one card for everyday spending and another for a specific use such as travel. Each application is a separate credit check.
Work Out the Numbers
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Guides in Plain Words
Short reads that explain how it works before you decide.
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