Head-to-head · 🇮🇳 India
HDFC Millennia vs Yes Bank Marquee
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
HDFC Bank
HDFC Millennia
Wins 7 of 10
IN
Premium
Yes Bank
Yes Bank Marquee
Wins 2 of 10
Verdict
HDFC Millennia wins 7-2. Online shoppers spending ₹15K–50K/month Yes Bank Marquee is still the right call if mid-premium with rare 0% forex markup tier..
Side-by-side
| Criterion | HDFC Millennia | Yes Bank Marquee |
|---|---|---|
| Annual fee | ₹1,000 | · ₹4,999 |
| Joining fee | ₹1,000 | · ₹9,999 |
| Top reward rate | 5% (shopping) | · 2% (general) |
| Base reward rate | · 1% | 2% |
| Forex markup | · 3.5% | No FX fee |
| Welcome bonus | = 1,000 CashPoints on ₹1,000 spend in first 90 days | = 15,000 reward points worth ₹3,750 |
| Fee waiver threshold | ₹100,000 / yr | · ₹1,500,000 / yr |
| Min income | ₹420,000 | · ₹2,400,000 |
| Min credit score | 750 | · 790 |
| Editorial rating | 4.6/5 | · 4.3/5 |
Benefits compared
HDFC Millennia
- 5% cashback on Amazon, Flipkart, Myntra, Swiggy, Zomato, BookMyShow, Cult.fit, Sony LIV, Tata CLiQ, Uber
- 1% cashback on all other retail spends
- 8 complimentary domestic airport lounge visits per year
- 1% fuel surcharge waiver (₹400 cap/month)
- Up to 20% off on partner restaurants via Smart EMI
Yes Bank Marquee
- 12 reward points per ₹200 on weekend dining + grocery
- 6 reward points per ₹200 on others
- 0% forex markup
- Unlimited domestic + 4 international lounge visits/quarter
- Golf at 250+ courses (4/quarter)
FAQ
›HDFC Millennia vs Yes Bank Marquee: which is better?
HDFC Millennia wins on more dimensions (7 vs 2). But the right answer depends on your specific spending pattern — see the calculator below.
›Can I get both?
Yes — if your credit profile supports it, holding both is the optimal play. Use HDFC Millennia for online shopping, Yes Bank Marquee for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
HDFC Millennia: 1,000 CashPoints on ₹1,000 spend in first 90 days. Yes Bank Marquee: 15,000 reward points worth ₹3,750.