vs
In short: Airtel Axis has the lower annual fee (₹500 vs ₹1,500); HDFC 6E Rewards Xl- Indigo has the lower forex markup (2.5% vs 3.5%).
| Key facts | HDFC 6E Rewards Xl- Indigo | Airtel Axis |
|---|---|---|
| Annual fee | ₹1,500 | ₹500 |
| Joining fee | ₹1,500 | ₹500 |
| Annual fee waived | Not listed | On ₹2 lakh annual spend |
| Top reward rate | 5 6E Rewards Per ₹100 Spends on Indigo | 25% Cashback on Airtel Mobile, Broadband, WiFi and DTH Bill Payments |
| Base rewards | 2 6E Rewards Per ₹100 | 1% Cashback on All Other Spends |
| Lounge access | 8 airport lounge visits a year | Not listed |
| Forex markup | 2.5% | 3.5% |
From issuer benefit data, checked 4 Nov 2026. Milestones, welcome benefits and caps are in the full table below.
On ₹20,000 a month with ₹5,000 at each card's top rate, HDFC 6E Rewards Xl- Indigo returns about ₹800 more a year after annual fees (₹6,600 vs ₹4,800 in rewards).
| Spend profile | HDFC 6E Rewards Xl- Indigo | Airtel Axis |
|---|---|---|
| Reward value: top rate / base rate | 5% / 2% | 25% / 1% |
| ₹20,000 a month, all general spends | ₹4,800 | ₹2,400 |
| ₹20,000 a month, ₹5,000 of it at each card's top rate | ₹6,600 | ₹4,800 |
| Annual fee | ₹1,500 | ₹500 |
Estimates from the earn rates above, with stated cashback caps applied, before exclusions. Reward points are valued at the card's best listed redemption (often travel or vouchers via the bank's portal); cash-back on the statement is usually worth less. Annual fees may be waived on spend (see the table below).
The 6E Rewards Xl- Indigo Hdfc Bank Credit Card and the Airtel Axis Bank Visa Credit Card cater to different spending preferences. The 6E Rewards card is travel-centric with rewards focused on Indigo flights and lifestyle spends, while the Airtel Axis Bank card emphasizes cashback on Airtel services and select utility and food delivery apps. Both cards have moderate joining fees but differ in forex charges and lounge access benefits.
Comparison notes and quick badges use AI, grounded in the benefit data shown in the table. Confirm details on each issuer’s site.
Last updated:
| Feature | 6E Rewards Xl- Indigo Hdfc Bank Credit Card | Airtel Axis Bank Visa Credit Card |
|---|---|---|
| Bank | HDFC Bank | Axis Bank |
| Network | MasterCard | Visa |
| Joining fee | Joining Fee of Rs.1500 | Joining Fee of Rs.500 |
| Annual / renewal fee | Renewal Fee of Rs.1500 | Second Year Onwards Annual Fee of Rs.500 |
| Annual fee waiver | — | Spend Rs.2 Lakhs For Annual Fee Waiver |
| Top reward rate | Earn 5 6E Rewards Per Rs.100 Spends on Indigo | 25% Cashback on Airtel Mobile, Broadband, WiFi and DTH Bill Payments |
| Base rate (other spends) | Earn 2 6E Rewards Per Rs.100 | 1% Cashback on All Other Spends |
| Lounge — domestic | 8 Complimentary Airport Lounge Access Per Calendar Year | — |
| Fuel surcharge waiver | — | 1% Fuel Surcharge Waiver |
| Welcome benefit | Get 1 Complimentary Flight Ticket Worth Rs.3000 | Get Amazon eVoucher Worth Rs.500 on First Transaction |
| Foreign currency markup | 2.5% - Foreign Currency Transactions | 3.50% - Foreign Currency Transactions |
For rewards, the 6E Rewards Xl- Indigo card offers a strong points system with 5 6E Rewards per Rs.100 spent on Indigo flights and 3 points on dining, entertainment, and groceries, plus 2 points on fuel. These points can be redeemed at Rs.1 per point, making it valuable for frequent Indigo travelers. At Rs.20,000 monthly spend, it yields about Rs.6,600 annually in rewards. The Airtel Axis Bank card offers up to 25% cashback on Airtel bill payments and 10% on utility and food delivery apps, but only 1% cashback on other spends, resulting in about Rs.4,800 yearly rewards at similar spend. Overall, the 6E Rewards card provides higher value for travel and lifestyle spenders, while Airtel Axis Bank suits those focused on Airtel and utility bill payments.
Travel benefits favor the 6E Rewards Xl- Indigo card, which offers 8 complimentary domestic airport lounge accesses annually and a welcome benefit of a complimentary flight ticket worth Rs.3,000. Its rewards are also tailored towards Indigo flights. The Airtel Axis Bank card does not list any lounge access or travel-related perks in our data, focusing instead on cashback for telecom and utility spends. Therefore, the 6E Rewards card is better suited for travelers seeking airport lounge access and travel rewards.
The Airtel Axis Bank Visa Credit Card has a lower joining fee of Rs.500 compared to Rs.1,500 for the 6E Rewards Xl- Indigo card, and a renewal fee of Rs.500 that can be waived with Rs.2 lakh annual spend. The 6E Rewards card has a higher forex markup of 2.5% versus 3.5% on the Airtel card, which may be a consideration for international transactions. Overall, the Airtel Axis Bank card is more beginner-friendly with a lower fee structure and fee waiver option, making it more cost-effective for moderate spenders.
The 6E Rewards card is points-based with rewards redeemable against Indigo flights at Rs.1 per point, making it travel-centric. In contrast, the Airtel Axis Bank card offers direct cashback, especially on Airtel and utility spends, which is simpler but less rewarding for travel.
The 6E Rewards card charges a 2.5% forex markup on foreign currency transactions, which is lower than the 3.5% charged by the Airtel Axis Bank card. This makes the 6E Rewards card slightly more economical for international usage.
Consider 6E Rewards Xl- Indigo Hdfc Bank Credit Card if you frequently fly with Indigo or spend on dining, entertainment, and groceries. Its higher reward rates on Indigo spends, domestic lounge access, and a complimentary flight ticket welcome benefit make it ideal for travel enthusiasts looking to maximize rewards on lifestyle and travel-related expenses.
Consider Airtel Axis Bank Visa Credit Card if you primarily spend on Airtel mobile, broadband, DTH, and utility bills, as it offers attractive cashback rates up to 25% in these categories. Its lower joining and renewal fees with an annual fee waiver option also make it suitable for users seeking a cost-effective card focused on cashback rather than travel perks.
The 6E Rewards Xl- Indigo card offers 5 points per Rs.100 spent on Indigo flights and includes 8 complimentary domestic lounge accesses, making it better for travel-related rewards.
Yes, the 6E Rewards card offers a complimentary flight ticket worth Rs.3,000, while the Airtel Axis Bank card provides an Amazon eVoucher worth Rs.500 on the first transaction.
The 6E Rewards card has a joining and renewal fee of Rs.1,500 each with no listed fee waiver. The Airtel Axis Bank card has a Rs.500 joining fee and Rs.500 renewal fee from the second year, which is waived if you spend Rs.2 lakhs annually.
The 6E Rewards card charges a 2.5% forex markup, which is lower than the 3.5% charged by the Airtel Axis Bank card.
The Airtel Axis Bank card offers a 1% fuel surcharge waiver, while this benefit is not listed in our data for the 6E Rewards card.
Yes, the 6E Rewards card offers 2 points per Rs.100 on general spends, while the Airtel Axis Bank card gives 1% cashback on all other spends outside its higher cashback categories.