6E Rewards Xl- Indigo Hdfc Bank Credit Card vs Hdfc Bank Moneyback+ Credit Card: Which is Better in 2026?
vs
The 6E Rewards Xl- Indigo Hdfc Bank Credit Card and Hdfc Bank Moneyback+ Credit Card offer distinct benefits tailored to different spending habits. While the former focuses on travel rewards and benefits associated with Indigo, the latter emphasizes cashback opportunities across various categories. Understanding their features can help you choose the card that best suits your lifestyle.
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 | Hdfc Bank Moneyback+ Credit Card |
|---|---|---|
| Bank | HDFC Bank | HDFC Bank |
| Network | MasterCard | Visa |
| Joining fee | Joining Fee of Rs.1500 | Joining Fee of Rs.500 |
| Annual / renewal fee | Renewal Fee of Rs.1500 | Renewal Fee of Rs.500 |
| Annual fee waiver | — | Spend Rs.50000 For Renewal Fee Waiver |
| Reward rate (headline) | Earn 2 6E Rewards Per Rs.100 | Earn 10X CashPoints on BigBasket |
| Lounge — domestic | 8 Complimentary Airport Lounge Access Per Calendar Year | — |
| Lounge — international | — | — |
| Fuel surcharge waiver | — | — |
| Welcome benefit | Get 1 Complimentary Flight Ticket Worth Rs.3000 | Welcome Benefit - 500 CashPoints |
| Milestone benefit | — | Renewal Benefit - 500 CashPoints |
| Foreign currency markup | 2.5% - Foreign Currency Transactions | 3.50% - Foreign Currency Transactions |
Which is better for rewards?
The 6E Rewards Xl- Indigo Hdfc Bank Credit Card is more advantageous for those who frequently spend on travel-related categories, particularly with Indigo, as it offers higher rewards points for such purchases. In contrast, the Hdfc Bank Moneyback+ Credit Card provides a broader cashback structure across various categories, including groceries and popular online shopping platforms. Therefore, if your spending aligns more with travel, the former card is preferable, while the latter is better for general cashback.
Which is better for travel?
The 6E Rewards Xl- Indigo Hdfc Bank Credit Card is specifically designed for travelers, offering complimentary flight tickets and significant rewards on Indigo bookings. It also provides lounge access, enhancing the travel experience. The Hdfc Bank Moneyback+ Credit Card does not offer travel-specific benefits, making it less suitable for frequent travelers.
Which has lower effective cost?
The Hdfc Bank Moneyback+ Credit Card has a lower joining and renewal fee compared to the 6E Rewards Xl- Indigo Hdfc Bank Credit Card. Additionally, it offers a fee waiver upon spending a certain amount, which can make it more cost-effective for users who plan to spend regularly. In contrast, the higher fees of the 6E Rewards card may be justified by its travel benefits for those who utilize them.
Co-brand Value
The 6E Rewards Xl- Indigo Hdfc Bank Credit Card is co-branded with Indigo Airlines, making it particularly beneficial for customers who frequently fly with the airline. This card provides specific rewards and benefits tied to Indigo, which can enhance the value for loyal customers. In contrast, the Hdfc Bank Moneyback+ Credit Card does not have a co-branding feature, focusing instead on general cashback rewards.
Forex Charges
The forex markup on the 6E Rewards Xl- Indigo Hdfc Bank Credit Card is lower at 2.5% compared to the 3.5% on the Hdfc Bank Moneyback+ Credit Card. This makes the former more appealing for users who engage in international transactions.
Who should pick 6E Rewards Xl- Indigo Hdfc Bank Credit Card?
Consider 6E Rewards Xl- Indigo Hdfc Bank Credit Card if you are a frequent traveler, especially with Indigo Airlines, and prefer earning rewards on travel-related expenses, dining, and entertainment.
Who should pick Hdfc Bank Moneyback+ Credit Card?
Consider Hdfc Bank Moneyback+ Credit Card if you are looking for a card with lower fees and a versatile cashback program that rewards you for everyday spending across multiple categories.
Frequently Asked Questions
The joining fee is Rs.1500.
Yes, it offers a welcome benefit of 500 CashPoints.
Yes, you can waive the renewal fee by spending Rs.50000.
It provides 8 complimentary airport lounge accesses per calendar year.