HDFC Millennia vs HDFC Diners Club Black vs IDFC First WOW
Side-by-side credit card comparison to help you choose the best one.
| Feature | HDFC Millennia | HDFC Diners Club Black | IDFC First WOW |
|---|---|---|---|
| Bank | HDFC Bank | HDFC Bank | IDFC First Bank |
| Annual Fee | ₹1,000 + GST | ₹10,000 + GST | Lifetime Free |
| Joining Fee | ₹1,000 + GST | ₹10,000 + GST | Nil |
| Rewards | 5% Cashback on Amazon, Flipkart, Swiggy | 5X reward points on every ₹150 spent | 10X reward points on every spend category |
| Best For | Online Shopping | Travel & Dining | All-Round Rewards |
| Card Type | Cashback | Super Premium | Rewards |
| Rating | 4.6 | 4.9 | 4.5 |
HDFC Millennia
Online Shopping
- ✓ 1% cashback on all offline spends
- ✓ 8 complimentary domestic lounge visits per year
- ✓ Welcome benefit of 1000 Cash Points
- ✓ Quarterly milestone rewards of ₹1000
HDFC Diners Club Black
Travel & Dining
- ✓ Unlimited domestic & international lounge access
- ✓ 10X rewards on SmartBuy portal
- ✓ Complimentary annual memberships worth ₹10,000+
- ✓ Golf privileges at 200+ courses worldwide
IDFC First WOW
All-Round Rewards
- ✓ No annual or joining fee ever
- ✓ 10X reward points on all categories
- ✓ 6 domestic + 2 international lounge visits
- ✓ Never expiring reward points
Our Recommendation
Based on rating and overall value, HDFC Diners Club Black currently ranks highest among your selected cards.