6E Rewards - Indigo HDFC Bank Credit Card vs IDFC First Millennia Credit Card: Which is Better in 2026?
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In short: IDFC First Millennia has the lower annual fee (none vs ₹500); IDFC First Millennia has the lower forex markup (0% vs 3.5%).
| Key facts | HDFC 6E Rewards - Indigo | IDFC First Millennia |
|---|---|---|
| Annual fee | ₹500 | None |
| Joining fee | ₹500 | None |
| Lounge access | Not listed | 4 railway lounge visits a quarter |
| Forex markup | 3.5% | 0% |
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 Idfc First Millennia Credit Card cater to different user needs with distinct reward structures and fee policies. The 6E Rewards card is travel-focused, especially for Indigo flyers, while the Idfc First Millennia card offers versatile reward points and no annual fees. Both cards have unique benefits that appeal to specific spending habits and preferences.
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 | Idfc First Millennia Credit Card |
|---|---|---|
| Bank | HDFC Bank | IDFC First Bank |
| Network | MasterCard | Visa |
| Joining fee | Joining Fee of Rs.500 | No Joining Fees |
| Annual / renewal fee | Renewal Fee of Rs. 500 | No Annual Fee |
| Reward rate (headline) | Earn 1 6E Rewards Per Rs.100 | 3X Reward Points Upto Spends Rs.20000 |
| Lounge — domestic | — | 4 Complimentary Railway Lounge Visits Per Quarter |
| Welcome benefit | Get 1 Complimentary Flight Ticket Worth Rs.1500 | 5% Cashback on EMI |
| Foreign currency markup | 3.5% - Foreign Currency Transactions | 0% - Zero Forex Markup |
Which is better for rewards?
Both cards offer compelling rewards but in different ways. The 6E Rewards card provides points primarily beneficial for Indigo flights and related categories like dining and groceries, with a straightforward 1:1 redemption ratio for Indigo travel. In contrast, the Idfc First Millennia card offers higher multipliers on reward points, including 3X points up to Rs. 20,000 in spends and 10X points on birthdays and crossing certain spend thresholds, but the redemption value is lower at Rs. 0.25 per point. Therefore, frequent Indigo travelers might find the 6E Rewards card more valuable, while those seeking broader reward categories and higher points multipliers could prefer the Idfc First Millennia card.
Which is better for travel?
The 6E Rewards card clearly targets travelers who frequently fly with Indigo, offering 2.5 points per Rs. 100 spent on Indigo and a complimentary flight ticket worth Rs. 1500 as a welcome benefit. It lacks lounge access but focuses on travel-related rewards. The Idfc First Millennia card provides 4 complimentary railway lounge visits per quarter, which is beneficial for train travelers but does not offer international lounge access or specific airline benefits. Hence, for air travel enthusiasts, especially Indigo flyers, the 6E Rewards card is more suitable, while the Idfc First Millennia card suits those who travel by train and want lounge access.
Which has lower effective cost?
The 6E Rewards card charges a joining and renewal fee of Rs. 500 each, with a high forex markup of 3.5%. It does not offer fee waivers or fuel surcharge waivers. Conversely, the Idfc First Millennia card has no joining or annual fees and offers a 1% fuel surcharge waiver. Additionally, it has zero forex markup, making it more cost-effective for international transactions. Overall, the Idfc First Millennia card is more economical, especially for users concerned about fees and forex charges.
Forex Charges and International Use
The 6E Rewards card has a high forex markup of 3.5%, which can increase costs for international transactions. In contrast, the Idfc First Millennia card offers zero forex markup, making it more suitable for frequent international travelers or those who shop online from foreign merchants.
Lounge Access
While the 6E Rewards card does not provide any lounge access, the Idfc First Millennia card offers 4 complimentary railway lounge visits per quarter. Neither card offers international airport lounge access, so their travel comfort benefits are limited to domestic train travel or none.
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 spends along with dining, entertainment, and grocery categories. The complimentary flight ticket welcome benefit adds value for regular travelers. However, be mindful of the joining and renewal fees and higher forex markup.
Who should pick Idfc First Millennia Credit Card?
Consider Idfc First Millennia Credit Card if you prefer a no-fee credit card with versatile reward points on everyday spends and special multipliers on birthdays and high spends. It is also suitable if you value complimentary railway lounge access and want to avoid forex markup charges. This card is beginner-friendly and cost-effective for diverse spending patterns.
Frequently Asked Questions
No, the 6E Rewards - Indigo Hdfc Bank Credit Card does not provide any domestic or international lounge access.
No, the Idfc First Millennia Credit Card does not have any joining or annual renewal fees.
The 6E Rewards card charges a 3.5% forex markup on foreign currency transactions, whereas the Idfc First Millennia card has zero forex markup.
The 6E Rewards card offers 2 6E Rewards points per Rs. 100 spent on dining and groceries, while the Idfc First Millennia card provides 3X reward points up to Rs. 20,000 in spends but does not specify category multipliers for dining or groceries.
Yes, the 6E Rewards card offers a complimentary flight ticket worth Rs. 1500, while the Idfc First Millennia card provides 5% cashback on EMI transactions and a Rs. 500 welcome voucher on spending Rs. 5000.
The Idfc First Millennia Credit Card offers a 1% fuel surcharge waiver, whereas the 6E Rewards card does not provide any fuel surcharge waiver.