6E Rewards - Indigo Hdfc Bank Credit Card vs HDFC Bank Regalia First Credit Card Visa: Which is Better in 2026?
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When comparing the 6E Rewards - Indigo HDFC Bank Credit Card and the HDFC Bank Regalia First Credit Card, both cards offer unique benefits tailored to different spending habits. The 6E Rewards card focuses on travel-related rewards, particularly for Indigo flights, while the Regalia First card provides broader rewards across various categories including education and utilities.
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 First Credit Card Visa |
|---|---|---|
| Bank | HDFC Bank | HDFC Bank |
| Network | MasterCard | Visa |
| Joining fee | Joining Fee of Rs.500 | Joining Fee of Rs.1000 |
| Annual / renewal fee | Renewal Fee of Rs. 500 | Renewal Fee of Rs.1000 |
| Annual fee waiver | — | Spend Rs.1 Lakh For Renewal Fee Waiver |
| Reward rate (headline) | Earn 2 6E Rewards Per Rs.100 Spends on Entertainment | Earn 4 Rewards Points For Every Rs.150 on Education |
| Lounge — domestic | — | — |
| Lounge — international | — | — |
| Fuel surcharge waiver | — | — |
| Welcome benefit | Get 1 Complimentary Flight Ticket Worth Rs.1500 | Welcome Benefit - Rs.1000 Reward Points |
| Milestone benefit | — | Earn 5000 Reward Points on Spend of Rs.3 Lakhs; Earn 7500 Reward Points on Spend of Rs.6 Lakhs |
| 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 is more advantageous for those who frequently spend on travel and entertainment, offering 2.5 rewards per Rs.100 spent on Indigo flights and 2 rewards on dining and groceries. In contrast, the HDFC Bank Regalia First Credit Card provides a higher rewards rate of 4 points for every Rs.150 spent across various categories, including education and utilities, making it better for users with diverse spending needs.
Which is better for travel?
For travel enthusiasts, the 6E Rewards - Indigo HDFC Bank Credit Card stands out as it offers specific benefits for Indigo flights, including a welcome complimentary flight ticket. The Regalia First card, while it offers travel rewards, does not have the same targeted benefits for airline travel, making it less appealing for frequent flyers.
Which has lower effective cost?
The HDFC Bank Regalia First Credit Card has a higher joining and renewal fee of Rs.1000 compared to the 6E Rewards card's Rs.500. However, it offers a fee waiver upon spending Rs.1 lakh, which may be beneficial for frequent users. The 6E Rewards card does not provide a fee waiver, making the Regalia First card potentially more cost-effective for those who can meet the spending requirement.
Milestone Rewards
The HDFC Bank Regalia First Credit Card provides milestone rewards, allowing users to earn additional points based on their annual spending. This can be a significant advantage for users who can consistently spend at least Rs.3 lakhs or Rs.6 lakhs annually.
Who should pick 6E Rewards - Indigo Hdfc Bank Credit Card?
Consider the 6E Rewards - Indigo HDFC Bank Credit Card if you are a frequent flyer with Indigo and want to maximize your travel rewards. The complimentary flight ticket and specific rewards on Indigo spending make it an attractive option for those who travel often.
Who should pick HDFC Bank Regalia First Credit Card Visa?
Consider the HDFC Bank Regalia First Credit Card if you prefer a card that offers a wider range of rewards across various categories and can meet the spending threshold for the fee waiver. Its higher rewards rate on education and utilities may suit those with diverse spending habits.
Frequently Asked Questions
The joining fee is Rs.500.
You can earn 5000 Reward Points on spending Rs.3 lakhs and 7500 Reward Points on spending Rs.6 lakhs.
Yes, the renewal fee can be waived if you spend Rs.1 lakh.
Both cards have a forex markup of 3.50% on foreign currency transactions.