-->



YES Prosperity Cashback Credit Card vs HDFC Millennia Credit Card

Joining Fees

₹999

₹1,000

Editor's Rating

5

4

Key Features

  • 5% Cashback on Movie Ticket bookings, Grocery Shopping, 0.50% Cashback on all Other retails spends, & 5% Cashback on Bill Payments
  • Avail great offers across travel, dining, shopping, wellness and more, in select cities
  • Instant EMI
  • Earn rewards points on your transactions that are converted into EMIs
  • You will receive Welcome Benefit of 1000 CashPoints that’s applicable only on payment of membership fee
  • Get Renewal membership fee waived off by spending Rs. 1,00,000 and above during the first year
  • Earn 5% CashBack on all spends with a maximum CashBack earning of Rs. 2,250 per month
  • Earn 5% CashBack on Amazon, Flipkart, Flight & Hotel bookings on shopping via PayZapp, and SmartBuy (minimum transaction size of Rs. 2000)
  • 2.5% CashBack on all online spends
  • 1% CashBack on all offline spends and Wallet reloads
  • 8 Complimentary Domestic Lounge Access per calendar year
  • Complimentary Domestic Airport Lounge access annually
  • Experience the Good Food Trail Dining program at premium restaurants across top cities.
  • 1% Fuel Surcharge waived off on fuel transactions (Minimum transaction of Rs. 400, Maximum CashBack of Rs. 250 per statement cycle) 
  • Enjoy up to 50 days of the interest-free period from the date of purchase 
  • If your HDFC Bank Millennia Credit Card gets lost, report immediately and avail zero liability on any fraudulent transactions made on the Credit Card

 

Rewards Rate:

Please note: The CashBack will be given in the form of CashPoints

  • The redemption against the statement balance: 1 CashPoint = Rs. 1
  • Redemption against travel benefits such as Flight & Hotel bookings and Rewards Catalogue at the SmartBuy Rewards Portal: 1 CashPoint = Rs. 0.30
  • Redeem CashPoints at the conversion rate of 1 CashPoint = Rs. 0.30

Editor's Review

Pros

  • Preferential Foreign Currency Markup of 3.40% only
  • 1% Fuel surcharge waiver at all fuel stations across India for transaction between Rs. 400 to Rs. 5,000
  • Get exciting offers on your YES BANK Credit Cards while shopping, dining, Travel and more YES PRIVILEGES

Cons

  • No complimentary Airport Lounge access
  • No Golf/coaching sessions
  • High-interest rate

Pros

  • Avail Complimentary MasterCard/Diners Club/Visa Lounge Access Program
  • The HDFC Bank Millennia Credit Card is enabled for contactless payments, facilitating fast, convenient and secure payments at retail outlets
  • Revolving Credit is available at a nominal interest rate

Cons

  • No golf/coaching sessions
  • The Cash Points are only valid for 1 year from the date of accumulation 
  • Interest rates bit higher than the other credit cards- It’s 3.49% per month, accounting to 41.88% per annum


More comparisions with YES Prosperity Cashback Credit Card

More comparisions with HDFC Millennia Credit Card

Downloads