Diners Privilege vs Visa Millennia
- 3131
- 10
-
- Last Comment
I already have Regalia First.
My expectations from the upgraded card is to have max benefit from SmartBuy.
I do not understand hotel miles/air miles, as I travel comparatively less and also book flights/hotels from different platforms based on the offers that time.
Nor do I need any lounge access as I have multiple others cards for it.
Major use case is online shopping and buying Amazon voucher at max discount.
I can see the smartbuy rewards for Diners Privilege as 264Regular Points + 1056 Bonus Rewards for 10K Amzn Gift card. But I am unable to understand the math behind it.
And for Millennia it is straight forward 500rs cashback for 10K amzn gift card.
Please guide me.
Thanks
- Sort By
Yes. And for Credit to statement it is 0.2Rs/RP, which is not that great.
Therefore, I am unable to understand why DP > Millenia.
For diners privilege, it is 4 reward point per 150, which makes regular points as 264. Bonus reward point is additional 4x which makes it 1056. So, total 1320 points. Each point value is 0.5 rs for flights, so total 660 rupees discount on flight (118 redemption charges also applicable).
For Millenia , it is 5% smartbuy Cashback plus 1% card Cashback. So, total 600 Cashback.
600 cashback is lot more than 660 discount on flights, when u consider the usual discount available for flights, redemption charges and time taken to accumulate points
Thanks a ton. You made my decision easy.
What about wallet load, mostly mobikwik and payzapp?
Is Millenia better or flipkart axis or amazon pay icici?
My wife is being offered Regalia first. Is it even worth taking ?
I got it LTF when I opened a salary account with HDFC 4 years ago.
Used it for Bank specific offer during sale. That’s it. 
For Millennia, it’s 5% (₹500) + 1% card benefit (₹100) => Total ₹600
For Diners Privilege, the reward point value differs based on the redemption category (Travel, Vouchers, etc)