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Comparison · हिन्दी

YES SELECT vs HDFC Millennia

Both cards compared on real rupee returns for best online shopping rewards credit card India YES vs HDFC. We ran the numbers so you can make the right call.

Updated · Terms checked by Prashant Parikh
YES
SELECT
ASHOK KUMAR
VS
HDFC
MILLENNIA
ASHOK KUMAR
Our verdict
HDFC Millennia Credit Card wins for most people
HDFC Millennia wins decisively with ₹6,680 annual benefit versus YES SELECT's ₹1,201. Its higher rewards on popular platforms and lower fee at your spend level make it the clear choice.
Side-by-side comparison
YES Bank SELECT Credit Card HDFC Millennia Credit Card ✓
Annual benefit ₹1,201 ₹6,680
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → ₹599 + taxes (first-year fee waived on ₹10,000 spend in the first month; renewal waived on ₹1,00,000 spend in the year before renewal) ₹1,000 + taxes (waived on ₹1L spend)
Reward rateCashback pays you directly in rupees; reward points need converting first, and their real value depends on the redemption ratio.Full definition → 8 reward points per ₹200 online (about 1% at ₹0.25 a point); 4 points per ₹200 offline (about 0.5%); 2 points per ₹200 on utilities and cable TV (about 0.25%), capped at 150 points a statement cycle; no points on fuel, rent, wallets, insurance, education, government, railways, tolls or jewellery; overall cap of 5,000 points a statement cycle 5% cashback on Amazon, Flipkart, Myntra, Tata CLiQ, Swiggy, Zomato, Uber, BookMyShow, Sony LIV and Cult.fit, up to ₹1,000 a month; 1% on other spends, up to ₹1,000 a month; no cashback on fuel, rent, wallets, EMIs or government payments. 1 CashPoint = ₹1 against the statement
Lounge accessFree entry to airport lounges, usually limited to a set number of visits per quarter or year.Full definition → Lounge access (YES Bank's card page does not list the number of visits) No complimentary lounge access; 1 domestic lounge visit or a ₹1,000 voucher each quarter on ₹1 lakh of quarterly spend
Forex markupThe extra fee your bank adds on top of the real exchange rate for any spend in a foreign currency.Full definition → 3.5% 3.5%
Best for Online spenders wanting a low-fee rewards card Online shoppers and food delivery users who buy on Amazon, Flipkart, Swiggy and Zomato
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → ₹4L+/year ₹3.5L+ per year
Credit scoreYour 3-digit credit score (300-900), higher scores make approval easier and can unlock better cards.Full definition → 700+ 700+
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Apply now ↗ Full review →
When each card wins
YES Bank SELECT Credit Card
YES SELECT suits minimal online shoppers who rarely use aggregator apps and stay consistently below ₹1L annual spend, avoiding higher renewal fees through disciplined spending patterns.
HDFC Millennia Credit Card
HDFC Millennia excels for your profile, it captures significant cashback on Swiggy and Zomato dining, shopping platforms, and Uber travel, with its ₹1L fee waiver easily justified by your ₹2.4L annual spend.
Who should get which card
Get YES Bank SELECT if you…
· Strict offline spenders avoiding online platforms
· Those hitting ₹1L+ annual spend for fee waivers
· Minimal dining or travel needs
Get HDFC Millennia if you…
· Regular Swiggy, Zomato, Amazon, and Flipkart users
· Monthly spenders around ₹20,000 qualifying for fee waiver
· Uber/Ola commuters combining travel savings
· Benefit-focused shoppers valuing straightforward cashback
Partner offer
Axis Bank Select Credit Card
Higher spenders (₹6L+ income) who will spend ₹3L+ a year, want international lounge access through Priority Pass with 12 visits, and want a 2% earn rate on everyday retail spends
Apply now →
AXIS
ASHOK KUMAR

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Related guides
YES Bank SELECT vs YES Essence →HDFC Millennia vs Axis ACE →HDFC Millennia vs SBI Cashback →HDFC MoneyBack+ vs HDFC Millennia →Best Dining Credit Cards →Best Shopping Credit Cards →Best Credit Cards for Swiggy and Zomato →
Frequently asked questions
Based on our analysis, HDFC Millennia Credit Card offers better annual returns for most spend profiles.
YES Bank SELECT Credit Card has an annual fee of ₹599 + taxes (first-year fee waived on ₹10,000 spend in the first month; renewal waived on ₹1,00,000 spend in the year before renewal). HDFC Millennia Credit Card has an annual fee of ₹1,000 + taxes (waived on ₹1L spend).
YES Bank SELECT Credit Card offers 8 reward points per ₹200 online (about 1% at ₹0.25 a point); 4 points per ₹200 offline (about 0.5%); 2 points per ₹200 on utilities and cable TV (about 0.25%), capped at 150 points a statement cycle; no points on fuel, rent, wallets, insurance, education, government, railways, tolls or jewellery; overall cap of 5,000 points a statement cycle. HDFC Millennia Credit Card offers 5% cashback on Amazon, Flipkart, Myntra, Tata CLiQ, Swiggy, Zomato, Uber, BookMyShow, Sony LIV and Cult.fit, up to ₹1,000 a month; 1% on other spends, up to ₹1,000 a month; no cashback on fuel, rent, wallets, EMIs or government payments. 1 CashPoint = ₹1 against the statement.
YES Bank SELECT Credit Card lounge access: Lounge access (YES Bank's card page does not list the number of visits). HDFC Millennia Credit Card lounge access: No complimentary lounge access; 1 domestic lounge visit or a ₹1,000 voucher each quarter on ₹1 lakh of quarterly spend.
YES Bank SELECT Credit Card charges 3.5% forex markup. HDFC Millennia Credit Card charges 3.5% forex markup.