Side-by-side · honest numbers
HDFC Diners Club Black Metal vs IDFC FIRST Millennia Credit Card
Honest side-by-side comparison of HDFC Diners Club Black Metal, IDFC FIRST Millennia Credit Card — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.
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Spend assumptions
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HDFC Diners Club Black Metal
HDFC Bank
IDFC FIRST Millennia Credit Card
IDFC FIRST Bank
Your adjusted comparison
| Feature | HDFC Diners Club Black Metal HDFC Bank | IDFC FIRST Millennia Credit Card IDFC FIRST Bank |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ₹10,000 | Lifetime free |
| Fee waiver threshold | No waiver published | Lifetime free |
| Min income | ₹1,50,000/mo | ₹20,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | -₹8,920/yr | ₹2,110/yr |
| Dining & delivery | — | ₹3,500 → 233 pts/mo × ₹0.25/pt = ₹58.33/mo (₹700/yr) |
| Travel | ₹3,000 → 100 pts/mo × ₹0.50/pt = ₹50/mo (₹600/yr) | ₹3,000 → 200 pts/mo × ₹0.25/pt = ₹50/mo (₹600/yr) |
| Top reward rate | 10X points | 3X reward points |
| Primary reward cap | 3,000 accelerated pts/mo | No monthly cap published |
| Perks & restrictions | ||
| Lounge access | Domestic + international — spend-gated from Jul 2026 · From Jul 2026: ~₹60,000 spend in the previous calendar quarter for domestic lounge; Diners Club Privilege confirmed ₹15K→₹60K gate | 4 complimentary railway lounge visits per quarter · Railway lounge gated on ₹20,000 spend in the previous calendar month (from Feb 2025) |
| UPI rewards | Not supported (Visa/MC) | Earns: Reward points on eligible spends (3X base, 10X on dining/travel) · cap Points credited per IDFC FIRST reward terms |
| Key exclusions | EMI · Fuel · Rent · Wallet | EMI · Rent |
| Bonuses | ||
| Signup bonus | — | — |
Stack mode (hold both)
Holding both may not beat using only the better solo card on this spend.
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https://cardhungry.com/in/en/compare/hdfc-diners-black-vs-idfc-first-millenniaReference summary
At a glance (moderate spend)
Quick verdict: On moderate spend, IDFC FIRST Millennia Credit Card leads HDFC Diners Club Black Metal by about ₹11,030/yr in estimated net value.
Spend assumptions for this table
Moderate user spend profile · ₹31,000/mo
₹31,000/month total spend — typical India user
Online ₹8,000 · Groceries ₹5,000 · Other ₹4,000 · Dining ₹3,500 · Bills ₹3,500
| Feature | HDFC Diners Club Black Metal HDFC Bank | IDFC FIRST Millennia Credit Card IDFC FIRST Bank |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ₹10,000 | Lifetime free |
| Fee waiver threshold | No waiver published | Lifetime free |
| Min income | ₹1,50,000/mo | ₹20,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | -₹8,920/yr | ₹2,110/yr |
| Dining & delivery | — | ₹3,500 → 233 pts/mo × ₹0.25/pt = ₹58.33/mo (₹700/yr) |
| Travel | ₹3,000 → 100 pts/mo × ₹0.50/pt = ₹50/mo (₹600/yr) | ₹3,000 → 200 pts/mo × ₹0.25/pt = ₹50/mo (₹600/yr) |
| Top reward rate | 10X points | 3X reward points |
| Primary reward cap | 3,000 accelerated pts/mo | No monthly cap published |
| Perks & restrictions | ||
| Lounge access | Domestic + international — spend-gated from Jul 2026 · From Jul 2026: ~₹60,000 spend in the previous calendar quarter for domestic lounge; Diners Club Privilege confirmed ₹15K→₹60K gate | 4 complimentary railway lounge visits per quarter · Railway lounge gated on ₹20,000 spend in the previous calendar month (from Feb 2025) |
| UPI rewards | Not supported (Visa/MC) | Earns: Reward points on eligible spends (3X base, 10X on dining/travel) · cap Points credited per IDFC FIRST reward terms |
| Key exclusions | EMI · Fuel · Rent · Wallet | EMI · Rent |
| Bonuses | ||
| Signup bonus | — | — |
Frequently asked questions
- Which card has the lower annual fee?
- IDFC FIRST Millennia Credit Card has a ₹0 annual fee (lifetime free or zero-fee tier).
- Which card earns more on moderate spend?
- IDFC FIRST Millennia Credit Card leads with an estimated ₹2,110/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- IDFC FIRST Millennia Credit Card lists a minimum monthly income of ₹20,000.
- Does this comparison pull my credit score?
- No. CardHungry estimates net value from public fee and reward rules only — no bureau check.
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