6E Rewards - Indigo Hdfc Bank Credit Card vs HDFC Bank MoneyBack Credit Card: Which is Better in 2026?
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When comparing the 6E Rewards - Indigo HDFC Bank Credit Card and the HDFC Bank MoneyBack Credit Card, both cards have similar joining and renewal fees. However, they cater to different spending habits and reward preferences, making them suitable for different types of users.
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 Reward Points Per Rs.150 |
| Lounge — domestic | — | — |
| Lounge — international | — | — |
| Fuel surcharge waiver | — | — |
| Welcome benefit | Get 1 Complimentary Flight Ticket Worth Rs.1500 | Welcome Benefit - 500 CashPoints |
| Milestone benefit | — | — |
| Foreign currency markup | 3.5% - Foreign Currency Transactions | 3.50% - Foreign Currency Transactions |
Which is better for rewards?
The 6E Rewards - Indigo HDFC Bank Credit Card offers a more structured rewards program, particularly for those who frequently spend on travel-related categories such as dining and entertainment, earning up to 2.5 rewards per Rs.100 spent on Indigo. In contrast, the HDFC Bank MoneyBack Credit Card provides a straightforward rewards structure, earning 2 points per Rs.150 spent, with a bonus for online transactions. Therefore, for users focused on maximizing rewards, the 6E Rewards card is more advantageous.
Which is better for travel?
The 6E Rewards - Indigo HDFC Bank Credit Card is specifically designed for travelers, offering a welcome benefit of a complimentary flight ticket and higher rewards on travel-related expenses. The HDFC Bank MoneyBack Credit Card does not provide travel-specific benefits, making it less appealing for those who prioritize travel rewards. Thus, for frequent travelers, the 6E Rewards card is the better choice.
Which has lower effective cost?
Both cards have the same joining and renewal fees of Rs.500, with no fee waiver options available for the 6E Rewards card. However, the MoneyBack card offers a waiver of the renewal fee if the user spends Rs.50,000, making it potentially more cost-effective for regular spenders. Therefore, while the fees are equal, the MoneyBack card may have a slight edge for those who can meet the spending requirement.
Who should pick 6E Rewards - Indigo Hdfc Bank Credit Card?
Consider the 6E Rewards - Indigo HDFC Bank Credit Card if you frequently travel and spend on dining, entertainment, and groceries, as it maximizes rewards in these categories and offers travel-related benefits.
Who should pick HDFC Bank MoneyBack Credit Card?
Consider the HDFC Bank MoneyBack Credit Card if you prefer a straightforward rewards structure and are likely to spend online, as it provides additional rewards for online transactions and a potential fee waiver.
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.
The 6E Rewards card does not offer a fee waiver, while the MoneyBack card waives the renewal fee if Rs.50,000 is spent.
The 6E Rewards - Indigo HDFC Bank Credit Card offers 1 reward point per Rs.100 spent, with higher rates for specific categories like 2.5 points for Indigo spends.
The HDFC Bank MoneyBack Credit Card earns 2 reward points per Rs.150 spent, with an additional 2X points for online transactions.
Yes, the HDFC Bank MoneyBack Credit Card offers a welcome benefit of 500 CashPoints.