Compare YES BANK Bold Debit Card and HDFC Bank Millennia Debit Card using the controlling cost, balance, rate, tenure, liquidity, limits, eligibility and current first-party bank evidence for this product type.
Compare the two source-backed records without collapsing unlike conditions into a winner score.
YES BANK customers whose PRO Plus or qualifying salary programme explicitly offers the Bold variant and who can retain the programme conditions that control fee treatment.
HDFC savings or salary customers who can use the card's online/offline cashback structure and naturally meet the current lounge-spend condition.
bankingreference.info · Comparison research sheet
Prepared 14 Sep 2026 · Source page: https://bankingreference.info/compare-banking/yes-bold-debit-card-vs-hdfc-millennia-debit-card/
General product research only. Recheck the listed first-party sources before acting because product terms can change after the recorded review dates.
Each checkpoint reproduces the recorded product fields instead of assigning a winner. Read the condition, scope and missing-data state before treating a difference as useful to you.
Source review: September 9, 2026
Maintenance: Within the scheduled review window
3 attached sources. A review date is not a guarantee that terms have stayed unchanged.
Source review: September 9, 2026
Maintenance: Source recheck advised
4 attached sources. A review date is not a guarantee that terms have stayed unchanged.
Conflict or scope mismatch flagged in the record. Read the source caveats before relying on these terms.
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| Decision factor | YES BANK Bold Debit Card | HDFC Bank Millennia Debit Card |
|---|---|---|
| Cost / charges | The reviewed Smart Salary schedule groups Engage/Bold at ₹399 when programme fee-waiver conditions are not met; account-specific propositions can make the card free while qualifying conditions continue. | Standard annual fee ₹500 + applicable taxes on the reviewed HDFC card page; selected account programmes can separately include or waive the card fee. |
| Linked account | No standalone card balance requirement; the linked YES BANK savings or salary programme controls AMB/salary-credit conditions. | No standalone balance requirement belongs to the card; the linked HDFC savings/current/salary account controls balance or salary conditions. |
| Core benefits | YES PRO Plus advertises Bold debit-card offers/benefits as part of the savings proposition; current card benefits remain governed by the exact issued card and programme terms. | 5% CashBack points on eligible PayZapp/SmartBuy shopping, 2.5% on eligible online spends and 1% on eligible offline spends/wallet reloads, subject to HDFC exclusions and the monthly account-level cap; current main product material lists one domestic lounge visit per calendar quarter after qualifying spend. |
| Transaction limits | Use the current YES BANK debit-card controls/issued-card terms for transaction limits; the reviewed programme schedules do not establish one universal Bold limit across every linked account. | Reviewed HDFC material lists ₹50,000 daily ATM withdrawal and ₹3.5 lakh daily shopping limits for Millennia Debit Card; customer-set controls can be lower. |
| Eligibility | Available where the customer's YES BANK account programme supports Bold; current product and issuance rules control. | Residents and NREs can apply subject to HDFC Bank criteria; resident applicants should hold an eligible HDFC savings, current or salary relationship. |
| Account relationship | YES BANK explicitly names Bold with PRO Plus Savings and as one of the debit-card options for Smart Salary Exclusive. | HDFC explicitly names Millennia Debit Card with Classic Salary Account and as one available debit-card option with Regular Savings Account. |
A useful comparison shows what can make either option unsuitable instead of averaging those conditions into a score.
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Reviewed September 9, 2026 · 3 attached first-party sources
Reviewed September 9, 2026 · 4 attached first-party sources