6E Rewards - Indigo HDFC Bank Credit Card vs HDFC Bank MoneyBack+ Credit Card: Which is Better in 2026?
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In short: both charge a ₹500 annual fee; both charge a 3.5% forex markup.
| Key facts | HDFC 6E Rewards - Indigo | HDFC MoneyBack+ |
|---|---|---|
| Annual fee | ₹500 | ₹500 |
| Joining fee | ₹500 | ₹500 |
| Annual fee waived | Not listed | On ₹50,000 annual spend |
| Forex markup | 3.5% | 3.5% |
From issuer benefit data, checked 22 Oct 2026. Rewards, milestones and welcome benefits are in the full table below.
The 6E Rewards - Indigo Hdfc Bank Credit Card and the Hdfc Bank Moneyback+ Credit Card both offer rewards tailored to different spending preferences. The 6E Rewards card focuses on travel-related benefits and Indigo flight rewards, while the Moneyback+ card emphasizes cashback and shopping rewards across popular e-commerce and grocery platforms. Both cards have identical joining and renewal fees, with the Moneyback+ card offering a renewal fee waiver on meeting spend criteria.
Comparison notes and quick badges use AI, grounded in the benefit data shown in the table. Confirm details on each issuer’s site.
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| Feature | 6E Rewards - Indigo Hdfc Bank Credit Card | Hdfc Bank Moneyback+ Credit Card |
|---|---|---|
| Bank | HDFC Bank | HDFC Bank |
| Network | MasterCard | Visa |
| Joining fee | Joining Fee of Rs.500 | Joining Fee of Rs.500 |
| Annual / renewal fee | Renewal Fee of Rs. 500 | Renewal Fee of Rs.500 |
| Annual fee waiver | — | Spend Rs.50000 For Renewal Fee Waiver |
| Reward rate (headline) | Earn 1 6E Rewards Per Rs.100 | Earn 2 CashPoints Per Rs.200 on Other Spends |
| Welcome benefit | Get 1 Complimentary Flight Ticket Worth Rs.1500 | Welcome Benefit - 500 CashPoints |
| Milestone benefit | — | Renewal Benefit - 500 CashPoints |
| Foreign currency markup | 3.5% - Foreign Currency Transactions | 3.50% - Foreign Currency Transactions |
Which is better for rewards?
Both cards provide competitive rewards but cater to different spending habits. The 6E Rewards card offers points that are redeemable primarily for Indigo flights, making it attractive for frequent Indigo travelers. It also gives higher points on dining, entertainment, and grocery spends. On the other hand, the Moneyback+ card offers cashback points with 10X multipliers on major e-commerce and food delivery platforms like Amazon, Flipkart, BigBasket, and Swiggy, which can be more versatile for everyday shopping and dining. Overall, rewards value depends on whether the user prefers travel-centric benefits or broad shopping cashback.
Which is better for travel?
For travel benefits, the 6E Rewards card is more focused, offering 1 complimentary Indigo flight ticket worth Rs.1500 as a welcome benefit and enhanced reward points on Indigo spends. The Moneyback+ card does not provide specific travel perks or complimentary tickets but does offer a fuel surcharge waiver starting October 2025, which can be useful for travelers who drive. Neither card offers lounge access. Thus, frequent Indigo flyers will find the 6E Rewards card better suited for travel.
Which has lower effective cost?
Both cards have the same joining and renewal fees of Rs.500. However, the Moneyback+ card offers a renewal fee waiver if the cardholder spends Rs.50,000, which can reduce the effective cost for active users. The 6E Rewards card does not mention any fee waiver options. Forex markup fees are identical at 3.5% for both cards. Neither card offers domestic or international lounge access, so no additional fee benefits exist there.
Reward Redemption Focus
The 6E Rewards card points are primarily redeemable against Indigo flights, making it a co-branded travel rewards card. In contrast, the Moneyback+ card offers cashback points redeemable more flexibly across various categories, especially online shopping and dining, supporting a broader redemption approach.
Fee Waiver Conditions
Only the Hdfc Bank Moneyback+ Credit Card explicitly offers a renewal fee waiver upon spending Rs.50,000, which can lower the card's effective cost for regular users. The 6E Rewards card does not provide any fee waiver, potentially making it costlier to maintain for low spenders.
Who should pick 6E Rewards - Indigo Hdfc Bank Credit Card?
Consider 6E Rewards - Indigo Hdfc Bank Credit Card if you frequently fly with Indigo and want to maximize rewards on Indigo travel, dining, entertainment, and grocery spends. The complimentary flight ticket welcome benefit and focused travel rewards make it suitable for those who prioritize airline-specific perks and travel-related redemptions.
Who should pick Hdfc Bank Moneyback+ Credit Card?
Consider Hdfc Bank Moneyback+ Credit Card if you prefer a versatile cashback card with strong rewards on popular e-commerce platforms like Amazon, Flipkart, and BigBasket, as well as dining via Swiggy. The renewal fee waiver on meeting spend criteria and broad shopping rewards make it a practical choice for everyday use and online shoppers.
Frequently Asked Questions
Both the 6E Rewards - Indigo Hdfc Bank Credit Card and the Hdfc Bank Moneyback+ Credit Card have a joining fee of Rs.500.
No, neither card offers domestic or international lounge access benefits.
Only the Hdfc Bank Moneyback+ Credit Card offers a renewal fee waiver if you spend Rs.50,000; the 6E Rewards card does not mention any fee waiver.
Both cards charge a forex markup fee of 3.5% on foreign currency transactions.
The Hdfc Bank Moneyback+ Credit Card offers 10X CashPoints on major e-commerce platforms like Amazon, Flipkart, and BigBasket, making it better suited for online shopping rewards.
Yes, the 6E Rewards card offers 1 complimentary Indigo flight ticket worth Rs.1500 as a welcome benefit.