6E Rewards - Indigo HDFC Bank Credit Card vs HDFC Bank Regalia First Credit Card Visa: Which is Better in 2026?
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In short: HDFC 6E Rewards - Indigo has the lower annual fee (₹500 vs ₹1,000); both charge a 3.5% forex markup.
| Key facts | HDFC 6E Rewards - Indigo | HDFC Regalia First |
|---|---|---|
| Annual fee | ₹500 | ₹1,000 |
| Joining fee | ₹500 | ₹1,000 |
| Annual fee waived | Not listed | On ₹1 lakh 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 Regalia First Credit Card Visa both offer rewards and benefits tailored to different spending habits. The 6E Rewards card focuses on earning points primarily with Indigo flights and lifestyle categories, while the Regalia First card provides broader rewards across education, insurance, and utilities with milestone bonuses. Both cards charge foreign currency markup fees and have joining and renewal fees, but their fee waiver conditions and reward redemption options differ.
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 1 6E Rewards Per Rs.100 | Earn 3 Rewards Points For Every Rs.200 |
| Welcome benefit | Get 1 Complimentary Flight Ticket Worth Rs.1500 | Welcome Benefit - Rs.1000 Reward Points |
| Milestone benefit | — | 5000 Bonus RP on Rs.9 Lakh Spends Per Anniversary Year; 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?
Both cards offer rewards points but cater to different user profiles. The 6E Rewards card provides 6E Rewards points with higher accrual rates on Indigo spends and lifestyle categories like dining and entertainment, making it suitable for frequent Indigo flyers. The Regalia First card earns 3 reward points per Rs. 200 spent across various categories including education and insurance, with milestone bonuses on high spends. However, the Regalia First card offers reward redemption flexibility including cashback and travel redemptions, while 6E Rewards points are primarily redeemable for Indigo flights. Overall, rewards value depends on your spending pattern and redemption preference.
Which is better for travel?
For travel benefits, the 6E Rewards card is more focused, offering 2.5 points per Rs. 100 spent on Indigo and a complimentary flight ticket worth Rs. 1500 as a welcome benefit. The Regalia First card does not offer specific travel-related rewards or complimentary tickets but allows reward points to be redeemed for travel with a conversion to airmiles. Neither card provides lounge access benefits domestically or internationally. Therefore, frequent Indigo travelers may find the 6E Rewards card more aligned with their needs.
Which has lower effective cost?
The 6E Rewards card has a lower joining and renewal fee of Rs. 500 each, with no stated fee waiver conditions, making its cost straightforward. The Regalia First card charges Rs. 1000 for joining and renewal but offers a renewal fee waiver if you spend Rs. 1 lakh annually. Both cards have a forex markup fee of 3.5%, which is standard. Considering fee waivers and upfront costs, the 6E Rewards card is more cost-effective for users with moderate spends, while the Regalia First card may be economical for high spenders who can meet the waiver criteria.
Reward Redemption Flexibility
The 6E Rewards card's points are primarily redeemable against Indigo flights at a fixed rate, which suits frequent Indigo travelers. In contrast, the Regalia First card allows redemption against the statement balance as cashback and also converts points to airmiles for travel, offering more flexibility in how rewards can be used.
Milestone Benefits
The Regalia First card offers milestone reward points on high annual spends, such as 7500 points on Rs. 6 lakhs and 5000 bonus points on Rs. 9 lakhs per anniversary year, which can significantly boost rewards for big spenders. The 6E Rewards card does not provide milestone benefits.
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 earn rewards that can be directly redeemed for Indigo flights. It is also suitable if you prefer a lower joining and renewal fee without complex waiver conditions and want rewards on lifestyle spends like dining, entertainment, and groceries.
Who should pick HDFC Bank Regalia First Credit Card Visa?
Consider HDFC Bank Regalia First Credit Card Visa if you seek a more versatile rewards program that covers education, insurance, and utilities, and if you are a high spender who can benefit from milestone bonuses and renewal fee waivers. It is also a good choice if you prefer flexible reward redemption options including cashback and travel airmiles.
Frequently Asked Questions
The 6E Rewards card charges Rs. 500 for both joining and renewal with no stated waiver. The Regalia First card charges Rs. 1000 for joining and renewal, with a renewal fee waiver if you spend Rs. 1 lakh annually.
The 6E Rewards card offers 2.5 points per Rs. 100 spent on Indigo flights and a complimentary flight ticket worth Rs. 1500, making it better for Indigo travelers. The Regalia First card offers points redeemable for travel airmiles but no direct travel rewards.
Neither the 6E Rewards - Indigo Hdfc Bank Credit Card nor the HDFC Bank Regalia First Credit Card Visa offers domestic or international lounge access benefits.
Both cards charge a forex markup fee of 3.5% on foreign currency transactions.
Only the HDFC Bank Regalia First Credit Card Visa offers milestone rewards based on high annual spends. The 6E Rewards card does not have milestone benefits.
The Regalia First card allows redemption of reward points against the statement balance as cashback. The 6E Rewards card's points are primarily redeemable for Indigo flight bookings.