HDFC Millennia Credit Card vs YES BANK Marquee Credit Card
HDFC Bank · Yes Bank — side-by-side CardCheck comparison
CardCheck Score BattleDeterministic 0–100 Benchmark Rating
100% Unsponsored MITC Data
HDFC BankScoreVery Good
Annual Fee₹1,000
Max Reward5%
Yes BankScoreVery Good
Annual Fee₹4,999
Max Reward4.5%
YES BANK Marquee Credit Card leads overall with a CardCheck Score of 75/100 (+2 pts over HDFC Millennia Credit Card).
4-Pillar Head-to-Head Breakdown
HDFC vs YESReward Power
35%HDFC34/35
YES31/35
HDFC Wins
Fee Value & ROI
25%HDFC20/25
YES14/25
HDFC Wins
Lounge & Travel
20%HDFC11/20
YES18/20
YES Wins
Forex & Access
20%HDFC8/20
YES12/20
YES Wins
01—CardCheck Score & Pillars
- CardCheck Score
- 73
- 75Best
- Rating Verdict
- Very Good
- Very Good
- Reward Power (35%)
- 34/35
- 31/35
- Fee Value & ROI (25%)
- 20/25
- 14/25
- Lounge & Travel (20%)
- 11/20
- 18/20
- Forex & Access (20%)
- 8/20
- 12/20
02—Basic Info
- Bank
- HDFC Bank
- Yes Bank
- Network
- Visa, Mastercard
- Mastercard
- Card type
- Regular
- Premium
- Best for
- online shoppers
- YES Bank's super-premium — unlimited lounge, 4.5% on travel & dining, 1.75% forex
03—Fees
- Joining fee
- ₹1,000Best
- ₹9,999
- Annual fee
- ₹1,000Best
- ₹4,999
- Fee waiver
- ₹1,00,000Best
- ₹6,00,000
- Interest-free days
- 50
- —
04—Interest
- APR (min)
- —
- 42%
- APR (max)
- —
- 42%
- Late payment fee
- —
- ₹1,350
05—Rewards
- Reward type
- cashback
- points
- Min rate
- 1%
- 1.5%Best
- Max rate
- 5%Best
- 4.5%
- Point value
- ₹1
- —
- Monthly cap
- ₹3,000
- —
06—Travel & Lounge
- Domestic lounge / qtr
- 0
- —
- Intl lounge / year
- 0
- —
- Priority Pass
- DreamFolks
07—Forex & Fuel
- Forex markup
- —
- 1.75%
- Fuel surcharge waiver
08—Features
- Metal card
- Contactless
- UPI linked
09—Eligibility
- Min age
- 21
- 21
- Min income / month
- ₹35,000
- ₹1,50,000
- Min CIBIL
- —
- 760
- Invite only
Rows won
04of 06
02of 06
| Attribute ↓ | ★ Overall pick Column A | Column B |
|---|---|---|
01—CardCheck Score & Pillars Differences highlighted | ||
| CardCheck Score | 73 | 75Best |
| Rating Verdict | Very Good | Very Good |
| Reward Power (35%) | 34/35 | 31/35 |
| Fee Value & ROI (25%) | 20/25 | 14/25 |
| Lounge & Travel (20%) | 11/20 | 18/20 |
| Forex & Access (20%) | 8/20 | 12/20 |
02—Basic Info Differences highlighted | ||
| Bank | HDFC Bank | Yes Bank |
| Network | Visa, Mastercard | Mastercard |
| Card type | Regular | Premium |
| Best for | online shoppers | YES Bank's super-premium — unlimited lounge, 4.5% on travel & dining, 1.75% forex |
03—Fees Differences highlighted | ||
| Joining fee | ₹1,000Best | ₹9,999 |
| Annual fee | ₹1,000Best | ₹4,999 |
| Fee waiver | ₹1,00,000Best | ₹6,00,000 |
| Interest-free days | 50 | — |
04—Interest Differences highlighted | ||
| APR (min) | — | 42% |
| APR (max) | — | 42% |
| Late payment fee | — | ₹1,350 |
05—Rewards Differences highlighted | ||
| Reward type | cashback | points |
| Min rate | 1% | 1.5%Best |
| Max rate | 5%Best | 4.5% |
| Point value | ₹1 | — |
| Monthly cap | ₹3,000 | — |
06—Travel & Lounge Differences highlighted | ||
| Domestic lounge / qtr | 0 | — |
| Intl lounge / year | 0 | — |
| Priority Pass | ||
| DreamFolks | ||
07—Forex & Fuel Differences highlighted | ||
| Forex markup | — | 1.75% |
| Fuel surcharge waiver | ||
08—Features Differences highlighted | ||
| Metal card | ||
| Contactless | ||
| UPI linked | ||
09—Eligibility Differences highlighted | ||
| Min age | 21 | 21 |
| Min income / month | ₹35,000 | ₹1,50,000 |
| Min CIBIL | — | 760 |
| Invite only | ||
| Rows won | 04of 06 | 02of 06 |
Quick Verdict & Key Differences
Verified MITC Data
| Key Specification | HDFC Millennia Credit Card | YES BANK Marquee Credit Card |
|---|---|---|
| CardCheck Score | 73/100Very Good | 75/100Very Good |
| Annual Fee | ₹1,000 | ₹4,999 |
| Fee Waiver Spend | ₹1L/yr | ₹6L/yr |
| Max Reward Potential | 5% | 4.5% |
| Domestic Lounge Access | None | Check terms |
| International Lounge | None | Priority Pass (Select) |
| Forex Markup Fee | 3.5% | 1.75% |
Choose HDFC Millennia Credit Card if:
Your spending centers around online shoppers and you want direct partner rewards with HDFC Bank.
Choose YES BANK Marquee Credit Card if:
Your spending aligns with yes bank's super-premium — unlimited lounge, 4.5% on travel & dining, 1.75% forex and you prioritize Yes Bank's redemption benefits.
Frequently asked questions: HDFC Millennia Credit Card vs YES BANK Marquee Credit Card
- Which is better: HDFC Millennia Credit Card or YES BANK Marquee Credit Card?
- YES BANK Marquee Credit Card holds a higher overall rating with a CardCheck Score of 75/100 (Very Good) compared to 73/100 (Very Good) for HDFC Millennia Credit Card (a lead of +2 points). YES BANK Marquee Credit Card provides better net value across rewards and fee structures.
- How do annual fees and fee waiver spend rules compare?
- HDFC Millennia Credit Card charges an annual fee of ₹1,000 with an annual spend threshold of ₹1 Lakh for renewal fee waiver. In comparison, YES BANK Marquee Credit Card charges an annual fee of ₹4,999 with an annual spend threshold of ₹6 Lakh.
- How do the reward rates and cashback compare between HDFC Millennia Credit Card and YES BANK Marquee Credit Card?
- HDFC Millennia Credit Card offers a base reward rate of 1% and up to 5% on accelerated partner categories. Meanwhile, YES BANK Marquee Credit Card offers a base rate of 1.5% and up to 4.5% on eligible spends. Compare net returns against your monthly spend in our Rewards Calculator.
- Which card has better airport lounge access: HDFC Millennia Credit Card or YES BANK Marquee Credit Card?
- HDFC Millennia Credit Card provides no complimentary domestic lounge access. On the other hand, YES BANK Marquee Credit Card provides standard lounge access terms subject to bank quarterly spend criteria. Note that most issuers now require meeting minimum quarterly spend criteria (typically ₹10,000 to ₹50,000 in the preceding quarter) to unlock lounge access.
- Which card is better for international foreign currency spends?
- HDFC Millennia Credit Card levies a foreign currency markup fee of 3.50%, while YES BANK Marquee Credit Card charges 1.75%. Lower forex markup directly reduces costs when transacting overseas or on international e-commerce platforms.
- Is CardCheck's comparison data unbiased and verified against official bank MITC?
- Yes. All credit card fees, interest rates, lounge visit quotas, and reward calculations on CardCheck are 100% unsponsored and verified directly against each bank's official Most Important Terms & Conditions (MITC).