6E Rewards - Indigo Hdfc Bank Credit Card vs Hdfc Bank Regalia Credit Card Mastercard: Which is Better in 2026?
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The 6E Rewards - Indigo Hdfc Bank Credit Card offers a range of rewards tailored for travel enthusiasts, particularly those who frequently fly with Indigo. In contrast, the Hdfc Bank Regalia Credit Card lacks specific benefits, making it less appealing for reward seekers.
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 Regalia Credit Card Mastercard |
|---|---|---|
| Bank | HDFC Bank | HDFC Bank |
| Network | MasterCard | MasterCard |
| Joining fee | Joining Fee of Rs.500 | — |
| Annual / renewal fee | Renewal Fee of Rs. 500 | — |
| Annual fee waiver | — | — |
| Reward rate (headline) | Earn 1 6E Rewards Per Rs.100 | — |
| Lounge — domestic | — | — |
| Lounge — international | — | — |
| Fuel surcharge waiver | — | — |
| Welcome benefit | Get 1 Complimentary Flight Ticket Worth Rs.1500 | — |
| Milestone benefit | — | — |
| Foreign currency markup | 3.5% - Foreign Currency Transactions | — |
Which is better for rewards?
The 6E Rewards - Indigo Hdfc Bank Credit Card is clearly superior for rewards, offering multiple earning opportunities such as 2.5 6E Rewards per Rs.100 spent on Indigo and 2 6E Rewards on dining, groceries, and entertainment. The absence of reward features in the Hdfc Bank Regalia Credit Card makes it less attractive for those looking to maximize their spending through rewards.
Which is better for travel?
For travel benefits, the 6E Rewards - Indigo Hdfc Bank Credit Card stands out with its complimentary flight ticket worth Rs.1500, which can be a significant advantage for frequent travelers. The Hdfc Bank Regalia Credit Card does not provide any travel-related benefits, making it less suitable for those who prioritize travel perks.
Which has lower effective cost?
Both cards have similar joining and renewal fees of Rs.500 for the 6E Rewards - Indigo Hdfc Bank Credit Card, while the Hdfc Bank Regalia Credit Card does not specify any fees. This makes the fee structure comparable, but the lack of clarity on fees for the Regalia card may require further investigation.
Who should pick 6E Rewards - Indigo Hdfc Bank Credit Card?
Consider 6E Rewards - Indigo Hdfc Bank Credit Card if you frequently travel with Indigo and want to earn rewards on your everyday spending, especially in categories like dining and groceries. The complimentary flight ticket is an added incentive for regular travelers.
Who should pick Hdfc Bank Regalia Credit Card Mastercard?
Consider Hdfc Bank Regalia Credit Card if you are looking for a card without specific fees or if you prefer a card that may offer other benefits not listed here. However, it's advisable to check the issuer's site for any additional features or fees.
Frequently Asked Questions
The joining fee is Rs.500 and the renewal fee is also Rs.500.
No, the Hdfc Bank Regalia Credit Card does not specify any rewards program.
It offers a complimentary flight ticket worth Rs.1500.
Yes, there is a forex markup of 3.5% on foreign currency transactions.