6E Rewards - Indigo Hdfc Bank Credit Card vs Idfc First Millennia Credit Card: Which is Better in 2026?
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Idfc First Millennia Credit Card shows a stronger headline earn rate in the first reward band we surface. Idfc First Millennia Credit Card currently has more lounge detail available from the issuer data we index. Always confirm current fees and offers on the issuer’s site before you apply.
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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 2 6E Rewards Per Rs.100 Spends on Dining | 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 | Welcome Gift Voucher Rs.500 on Spending Rs.5000 |
| Foreign currency markup | 3.5% - Foreign Currency Transactions | 3.5% - Foreign Currency Transactions |
Which is better for rewards?
Idfc First Millennia Credit Card shows a higher headline earn signal in the reward summaries we index (3X Reward Points Upto Spends Rs.20000 vs Earn 2 6E Rewards Per Rs.100 Spends on Dining). If you optimise for points or cashback on daily spend, start with that card’s reward bands — then model redemptions you actually use.
Which is better for travel?
Idfc First Millennia Credit Card has richer lounge-related fields in our current benefits extract (domestic: 4 Complimentary Railway Lounge Visits Per Quarter; international: —). Frequent flyers should still confirm guest access, visit limits and participating airports with the issuer.
Which has lower effective cost?
Renewal fee wording differs between issuers, so compare the “Annual / renewal fee” row directly: 6E Rewards - Indigo Hdfc Bank Credit Card — Renewal Fee of Rs. 500 Idfc First Millennia Credit Card — No Annual Fee Then read waiver rules; a higher published fee can still be cheaper net if you usually clear spend-based waivers.
Who should pick 6E Rewards - Indigo Hdfc Bank Credit Card?
Consider 6E Rewards - Indigo Hdfc Bank Credit Card if you already bank with HDFC Bank, and the fee, waiver and earn rows above line up with how you spend each month. Use CardChat on that card for deeper, personalised follow-ups.
Who should pick Idfc First Millennia Credit Card?
Consider Idfc First Millennia Credit Card if you already bank with IDFC First Bank, and the fee, waiver and earn rows above line up with how you spend each month. Use CardChat on that card for deeper, personalised follow-ups.
Frequently Asked Questions
From the lounge fields in our benefit data: Idfc First Millennia Credit Card — domestic: 4 Complimentary Railway Lounge Visits Per Quarter; international: —. 6E Rewards - Indigo Hdfc Bank Credit Card — domestic: —; international: —. Guest rules, networks and visit caps change — confirm on the HDFC Bank and IDFC First Bank websites before you travel.
We could not parse both renewal fees reliably from our benefit feed for this pair. Compare the “Annual / renewal fee” row in the table above, then confirm on the HDFC Bank and IDFC First Bank websites.
On the first reward band we surface, Idfc First Millennia Credit Card shows a stronger headline earn (3X Reward Points Upto Spends Rs.20000 vs Earn 2 6E Rewards Per Rs.100 Spends on Dining). Category bonuses, caps and redemption value decide real-world returns — map this to where you actually spend.
Our benefit feed did not include waiver text for both cards in this comparison. Use the “Annual fee waiver” row in the table and the HDFC Bank and IDFC First Bank websites for spend-based waiver conditions.
6E Rewards - Indigo Hdfc Bank Credit Card: 3.5% - Foreign Currency Transactions Idfc First Millennia Credit Card: 3.5% - Foreign Currency Transactions Lower published foreign-currency markup is usually better for overseas and foreign-currency online spend; confirm the live rate and exclusions on the HDFC Bank and IDFC First Bank websites.
6E Rewards - Indigo Hdfc Bank Credit Card: Get 1 Complimentary Flight Ticket Worth Rs.1500 Idfc First Millennia Credit Card: Welcome Gift Voucher Rs.500 on Spending Rs.5000 Welcome campaigns are time-bound — verify eligibility and fulfilment on the HDFC Bank and IDFC First Bank websites.