IDFC FIRST Millennia Credit Card vs YES Bank POP-CLUB Credit Card
How IDFC FIRST Millennia Credit Card and YES Bank POP-CLUB Credit Card compare on fees, rewards and eligibility — verified as of June 2026.
By NexMaxo Editorial Team · Terms verified June 2026
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Quick take
IDFC FIRST Millennia Credit Card is lifetime-free, while YES Bank POP-CLUB Credit Card carries a fee (Joining nil; annual ₹399 + GST (waived on ₹1.5L annual spend). Lifetime-free promo currently running until 31 March 2027.). If you won't reliably hit YES Bank POP-CLUB Credit Card's waiver spend, IDFC FIRST Millennia Credit Card is the cheaper card to keep.
IDFC FIRST Millennia Credit Card — better for a no-fee everyday rewards card with points that never expire.
YES Bank POP-CLUB Credit Card — better for online and upi-heavy spenders who want a rupay rewards card redeemable as discounts/deals across d2c brands via the popclub app.
Side by side
| IDFC FIRST Millennia Credit CardIDFC FIRST Bank | YES Bank POP-CLUB Credit CardYES Bank | |
|---|---|---|
| Annual fee | Nil — lifetime-free | Joining nil; annual ₹399 + GST (waived on ₹1.5L annual spend). Lifetime-free promo currently running until 31 March 2027. |
| Reward rate | 3X ≤₹20k/mo; 10X >₹20k/mo & birthday (1 pt = ₹0.25); never expire | 10 POPcoins/₹100 online; 2 POPcoins/₹100 offline; +5% POPcoins on POP UPI; 1 POPcoin = up to ₹1 (redeemed as deals/discounts in POPclub app); POPcoins valid 365 days |
| Lifetime-free | Yes | No |
| Network | Visa / RuPay | RuPay |
| Eligibility | Approx 21–65 yrs; ≈₹25,000+/mo (aggregator-sourced) | Age 21-60; salaried min approx ₹25,000/month or self-employed approx ₹7.5L annual ITR (aggregator-sourced); new YES Bank credit-card customers only |
| Best for | A no-fee everyday rewards card with points that never expire. | Online and UPI-heavy spenders who want a RuPay rewards card redeemable as discounts/deals across D2C brands via the POPclub app. |
IDFC FIRST Millennia Credit Card
- Lifetime-free — ₹0 joining and ₹0 annual fee, no spend conditions
- 3X points up to ₹20k/mo spend, 10X above ₹20k/mo and on birthdays (1 pt = ₹0.25)
- Reward points never expire
YES Bank POP-CLUB Credit Card
- 10 POPcoins/₹100 on online spends and 2 POPcoins/₹100 offline; 5% instant POPcoins on POP UPI (1 POPcoin = up to ₹1)
- Welcome benefits worth ~₹5,000 (500 POPcoins, ₹750 Cleartrip voucher, 3-mo Zomato Gold, 6-mo PharmEasy Plus, Blinkit/Rapido perks)
- 1% fuel surcharge waiver (transactions up to ₹10,000); 1,500 POPcoins milestone on ₹1.5L annual spend
IDFC FIRST Millennia Credit Card vs YES Bank POP-CLUB Credit Card — FAQs
Neither is universally better. IDFC FIRST Millennia Credit Card suits a no-fee everyday rewards card with points that never expire. YES Bank POP-CLUB Credit Card suits online and upi-heavy spenders who want a rupay rewards card redeemable as discounts/deals across d2c brands via the popclub app. Compare the annual fee and reward rate above against your own spending — that's what decides it.
IDFC FIRST Millennia Credit Card is lifetime-free, while YES Bank POP-CLUB Credit Card carries a fee (Joining nil; annual ₹399 + GST (waived on ₹1.5L annual spend). Lifetime-free promo currently running until 31 March 2027.). If you won't reliably hit YES Bank POP-CLUB Credit Card's waiver spend, IDFC FIRST Millennia Credit Card is the cheaper card to keep. On rewards, IDFC FIRST Millennia Credit Card gives up to 10x reward points, points that never expire — and no annual fee, ever. whereas YES Bank POP-CLUB Credit Card gives 10 popcoins per ₹100 on online spends (1 popcoin = up to ₹1), plus 5% instant popcoins on pop upi payments
IDFC FIRST Millennia Credit Card is lifetime-free (no fee, ever), while YES Bank POP-CLUB Credit Card charges Joining nil; annual ₹399 + GST (waived on ₹1.5L annual spend). Lifetime-free promo currently running until 31 March 2027. (waivable on spend).
This is an informational comparison, not financial advice. Card terms change often — confirm current fees, rewards and eligibility on each issuer's official page before applying. Pay your bill in full to avoid interest.