HDFC Bank Millennia vs Yes Bank POP-CLUB Credit Card
A field-by-field comparison of fees, reward rates, accelerated categories, caps, exclusions, lounge access and forex markup, using each issuer's own published terms. Affiliate payout never decides the verdict.
Short answer
HDFC Bank Millennia and Yes Bank POP-CLUB Credit Card differ first on recurring cost: HDFC Bank Millennia has an annual fee of ₹1,000 against ₹399 + GST for Yes Bank POP-CLUB Credit Card, so Yes Bank POP-CLUB Credit Card is cheaper to hold. On rewards, HDFC Bank Millennia earns 1% in CashPoints while Yes Bank POP-CLUB Credit Card earns 2 POPcoins per ₹100 on eligible non-online retail spend. Both publish the same 3.5% forex markup. Neither card wins outright: the better choice depends on which accelerated categories match your spend, the monthly caps, the exclusions and issuer approval fit.
Source: CardMasters issuer-evidence catalogue, release 2026-08-25. Confirm final terms with the issuer.
| Feature | HDFC Bank Millennia | Yes Bank POP-CLUB Credit Card |
|---|---|---|
| Issuer | HDFC Bank | Yes Bank |
| Joining fee | ₹1,000 | ₹0 |
| Annual fee | ₹1,000 | ₹399 + GST |
| Fee waiver | ₹1,00,000 annual eligible spend | ₹1,50,000 annual eligible spend |
| Base rewards | 1% in CashPoints | 2 POPcoins per ₹100 on eligible non-online retail spend |
| Accelerated routes | Amazon/BookMyShow/Cult.fit/Flipkart/Myntra/Sony LIV/Swiggy/Tata CLiQ/Uber/Zomato | 10 POPcoins per ₹100 on eligible online spend |
| Reward exclusions | fuel, rent, wallet load, emi, government | fuel, rent, wallet load, utility, government, marketing advertising, cash advance, fees |
| Forex markup | 3.5% | 3.5% |
| Fuel surcharge waiver | Not recorded — confirm with issuer | 1% fuel-surcharge waiver on eligible ₹400–₹5,000 transactions, capped at ₹300 per statement cycle |
| Domestic lounge | up to 4/yr as an alternative to the ₹1,000 quarterly milestone voucher (₹1L/quarter spend) | none |
| International lounge | none | none |
| Card networks | Visa, Mastercard | RuPay |
| Best suited to | online shopping, first card, young professional | online shopping, upi credit, first card |
| Issuer evidence | Checked 2026-07-16 | Checked 2026-08-11 |
Frequently asked questions
Is the HDFC Bank Millennia better than the Yes Bank POP-CLUB Credit Card?
Neither is universally better. HDFC Bank Millennia charges ₹1,000 a year and earns 1% in CashPoints; Yes Bank POP-CLUB Credit Card charges ₹399 + GST and earns 2 POPcoins per ₹100 on eligible non-online retail spend. The better card is the one whose accelerated categories, caps and exclusions match your actual spending, after subtracting the annual fee and GST.
Which of the two has the lower annual fee, HDFC Bank Millennia or Yes Bank POP-CLUB Credit Card?
Yes Bank POP-CLUB Credit Card has the lower recorded annual fee at ₹399 + GST. A spend-based waiver may reduce the effective cost of the other card, so check the waiver threshold before deciding.
Which is better for international spending, HDFC Bank Millennia or Yes Bank POP-CLUB Credit Card?
Both publish a 3.5% forex markup, so compare international reward eligibility and lounge access instead.
Can I hold both cards together?
Yes, provided each is approved on its own merits and you can pay both statements in full. Holding both makes sense only when their accelerated categories do not overlap; otherwise the second card adds an annual fee without adding rewards.