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HDFC Millennia vs YES BANK POP-CLUB 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.

HDFC Millennia Credit Card versus YES BANK POP-CLUB Credit Card compared
FeatureHDFC Millennia Credit CardHDFC Millennia Credit CardHDFC Bank5 recent changes →
YES BANK POP-CLUB Credit CardYES BANK POP-CLUB Credit CardPOP CLUB, issued by Yes Bank4 recent changes →
Rewards by spend
Rewards1% on most spends; 5% only at partner merchants0.2% base, up to 1% on online shopping
UPI payments (scan and pay)Earns nothing1%
Online shopping1%; 5% only at Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, SonyLIV, Swiggy, Tata CLiQ, Uber, Zomato1%
Dining and food delivery1%0.2%
Groceries1%0.2%
Travel: flights, hotels, trains1%0.2%
FuelsameEarns nothingEarns nothing
Bills and recharges1%Earns nothing
RentsameEarns nothingEarns nothing
Insurance premiums1%Earns nothing
School and college fees1%Earns nothing
Wallet top-upssameEarns nothingEarns nothing
Taxes and government paymentssameEarns nothingEarns nothing
Spend abroad or in a foreign currency1%0.2%
Everything else1%0.2%
Card identity
Card typesameShoppingShopping
NetworkVisaRuPay
Card tierMidEntry
Fees
Joining fee₹1,000 + GSTFree
Annual fee₹1,000 + GST₹399 + GST
First year freeNoYes
Fee waived at₹1,00,000₹1,50,000
Welcome benefit-Earn 500 POPcoins on activating the POP CLUB Credit Card
Eligibility
Min agesame21 years21 years
Max age40 years60 years
Employment typesameBOTHBOTH
Min monthly salary₹35,000₹25,000
Rewards
Reward typeCashbackReward points
Point value₹1₹0
Fuel surcharge
Fuel surcharge waiverYesNo
Fuel waiver cap-₹100
Lounge access
Domestic lounge visits4-
International lounge visits0-
Lounge conditionSpend Rs 100,000 in the previous quarter for domestic lounge access-
Forex and international
Forex markupsame3.5%3.5%
UPI rewards
Works on UPINoYes
Interest and charges
Interest rate (monthly)3.75%3.99%
Interest rate (annual)45%47.88%
Page content
Eligibility-Age: 21 to 60 years Min. income: ₹25,000/mo
Documents neededPAN card Aadhaar / valid address proof Latest 3 months bank statement Income proof, salary slips (salaried) or ITR (self-employed) Recent passport-size photographPAN card Aadhaar / valid address proof Income proof, salary slips (salaried) or ITR (self-employed)
ApplyApply NowApply Now

Worth in Rupees at ₹20,000 a Month

HDFC Millennia Credit Card
Rewards a year
₹2,400
Fee a year
₹0
You keep
₹2,400
YES BANK POP-CLUB Credit Card
Rewards a year
₹960
Fee a year
₹0
You keep
₹960

At this spend, HDFC Millennia Credit Card comes out ₹1,440 a year ahead of YES BANK POP-CLUB Credit Card. 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

HDFC Millennia Credit Card
  • Online shoppers
  • Young salaried professionals
  • Food delivery and cab users
YES BANK POP-CLUB Credit Card
  • Young online shoppers
  • UPI users wanting a low-cost card
  • First-time card users

Watch-Outs

HDFC Millennia Credit Card
  • Cashback capped at Rs 1,000 a month per tier
  • Lounge access needs Rs 1 lakh spend in a quarter
  • Maximum age of 40 to apply
YES BANK POP-CLUB Credit Card
  • Very low earn on offline spends
  • Monthly cap on online rewards
  • 3.5% forex fee

Card data sourced via CardAdvisor.in (HDFC Millennia Credit Card, YES BANK POP-CLUB Credit Card), India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.

Questions People Ask

Which has the lower annual fee, HDFC Millennia Credit Card or YES BANK POP-CLUB Credit Card?

YES BANK POP-CLUB Credit Card. YES BANK POP-CLUB Credit Card: ₹399; HDFC Millennia Credit Card: ₹1,000. Check whether a spend-based waiver applies before you decide.

Which is better for spending abroad?

HDFC Millennia Credit Card has the lowest forex markup. HDFC Millennia Credit Card: 3.5%; YES BANK POP-CLUB Credit Card: 3.5%. The markup is charged on every foreign-currency transaction, before GST.

Which earns more on everyday spending?

On spends outside any bonus category: HDFC Millennia Credit Card 1%, YES BANK POP-CLUB Credit Card 0.2%. Bonus categories, rates limited to named merchants and monthly caps change the picture, so compare the rewards by spend too.

Which is easier to get?

By stated minimum monthly income: YES BANK POP-CLUB Credit Card ₹25,000, HDFC Millennia Credit Card ₹35,000. 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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