Credit cards can help manage finances, earn rewards, and enjoy exclusive benefits. Let’s compare the Yes Bank Pop Club Credit Card and the HDFC Millennia Credit Card to help you decide which suits your needs better.
1. Yes Bank Pop Club Credit Card: Key Features
Joining Benefits: ₹5,000 worth of vouchers & 500 POPcoins.
Rewards:
- 10 POPcoins/₹100 on online purchases.
- 2 POPcoins/₹100 on offline purchases.
- 5% extra POPcoins on UPI via POP App.
Milestone Benefits: 1,500 POPcoins + vouchers on ₹1.5L annual spends.
Annual Fee: ₹399 (waived on ₹1.5L spends).
Eligibility: - Age: 21-60 years.
- Minimum monthly income: ₹25,000.
2. HDFC Millennia Credit Card: Key Features
Welcome Benefits: Gift voucher equal to joining fee (₹1,000).
Rewards:
- 5% cashback on Amazon, Flipkart, Myntra, Swiggy, Zomato, Uber.
- 1% cashback on other spends (wallet, EMI included).
Quarterly Rewards: ₹1,000 voucher on ₹1L spends/quarter.
Dining Discounts: Up to 20% off via SwiggyDineout.
Annual Fee: ₹1,000 (waived on ₹1L annual spends).
Eligibility: - Age: 21-40 years.
- Minimum monthly income: ₹35,000.
Apply Now : HDFC Millennia Credit Card
3. Pop Club vs. Millennia: Key Differences
| Feature | Pop Club Card | Millennia Card |
|---|---|---|
| Reward Rate (Online) | 10 POPcoins/₹100 | 5% cashback |
| Reward Rate (Others) | 2 POPcoins/₹100 | 1% cashback |
| Joining Benefits | ₹5,000 worth of vouchers & POPcoins | ₹1,000 gift voucher |
| Dining Discounts | Not applicable | Up to 20% discount |
| UPI Rewards | 5% extra POPcoins | Not applicable |
| Annual Fee | ₹399 (waived on ₹1.5L spends) | ₹1,000 (waived on ₹1L spends) |
4. Who Should Choose What?
- YES Bank Pop Club Credit Card: Ideal for online shoppers and UPI users seeking reward coins and vouchers.
- HDFC Millennia Credit Card: Great for cashback lovers, frequent diners, and online shopping enthusiasts on platforms like Amazon and Swiggy.