6E Rewards Xl- Indigo Hdfc Bank Credit Card vs HDFC Bank Regalia First Credit Card Visa: Which is Better in 2026?
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When comparing the 6E Rewards Xl- Indigo Hdfc Bank Credit Card and the HDFC Bank Regalia First Credit Card, both offer distinct benefits tailored to different spending habits. The former focuses on travel rewards specifically related to Indigo flights, while the latter provides a broader range of rewards across various categories.
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 Xl- 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.1500 | Joining Fee of Rs.1000 |
| Annual / renewal fee | Renewal Fee of Rs.1500 | Renewal Fee of Rs.1000 |
| Annual fee waiver | — | Spend Rs.1 Lakh For Renewal Fee Waiver |
| Reward rate (headline) | Earn 2 6E Rewards Per Rs.100 | Earn 4 Rewards Points For Every Rs.150 on Education |
| 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 - Rs.1000 Reward Points |
| Milestone benefit | — | Earn 5000 Reward Points on Spend of Rs.3 Lakhs; Earn 7500 Reward Points on Spend of Rs.6 Lakhs |
| 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 excels in rewards for travel-related expenses, particularly with Indigo, offering 5 rewards points per Rs.100 spent on Indigo purchases. In contrast, the HDFC Bank Regalia First Credit Card provides a more versatile rewards structure, earning 4 points for every Rs.150 spent across multiple categories including education and utilities. Thus, if you prioritize travel rewards, the 6E Rewards card is more beneficial, while the Regalia First card may appeal to those seeking rewards across diverse spending.
Which is better for travel?
For travel enthusiasts, the 6E Rewards Xl- Indigo Hdfc Bank Credit Card is the better choice due to its specific focus on Indigo flights, including a welcome benefit of a complimentary flight ticket worth Rs.3000. The HDFC Bank Regalia First Credit Card does not offer any travel-specific perks, making it less appealing for frequent travelers. Therefore, the 6E Rewards card stands out for those who frequently fly with Indigo.
Which has lower effective cost?
The HDFC Bank Regalia First Credit Card has a lower joining and renewal fee of Rs.1000 compared to Rs.1500 for the 6E Rewards Xl- Indigo Hdfc Bank Credit Card. Additionally, the Regalia First card offers a fee waiver upon spending Rs.1 lakh, which can be beneficial for users who can meet this spending threshold. In terms of effective cost, the Regalia First card may be more economical for users who manage their spending effectively.
Who should pick 6E Rewards Xl- Indigo Hdfc Bank Credit Card?
Consider 6E Rewards Xl- Indigo Hdfc Bank Credit Card if you frequently travel with Indigo and want to maximize your rewards on airline purchases. The complimentary flight ticket and higher rewards rate on Indigo spending make it an attractive option for regular flyers.
Who should pick HDFC Bank Regalia First Credit Card Visa?
Consider HDFC Bank Regalia First Credit Card if you prefer a card with a lower fee structure and a broader range of rewards across various categories. This card is ideal for users who spend on education, utilities, and insurance and want to earn rewards without focusing solely on travel.
Frequently Asked Questions
The joining fee is Rs.1500.
It offers 8 complimentary airport lounge accesses per calendar year.
The renewal fee is waived if you spend Rs.1 lakh.
The forex markup is 3.50% on foreign currency transactions.