6E Rewards Xl- Indigo Hdfc Bank Credit Card vs Shoppers Stop Hdfc Bank Credit Card: Which is Better in 2026?
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The 6E Rewards Xl- Indigo Hdfc Bank Credit Card and Shoppers Stop Hdfc Bank Credit Card cater to different spending habits and preferences. The former focuses on travel rewards, particularly for Indigo flights, while the latter emphasizes shopping rewards at Shoppers Stop. Both cards have distinct fee structures and benefits that may appeal to different users.
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 | Shoppers Stop Hdfc Bank Credit Card |
|---|---|---|
| Bank | HDFC Bank | HDFC Bank |
| Network | MasterCard | Visa |
| Joining fee | Joining Fee of Rs.1500 | Joining Fee of Rs.299 |
| Annual / renewal fee | Renewal Fee of Rs.1500 | Renewal Fee of Rs.299 |
| Annual fee waiver | — | — |
| Reward rate (headline) | Earn 5 6E Rewards Per Rs.100 Spends on Indigo | Earn 1% Reward Points on Every Non-Shoppers Stop Spends |
| 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 | Complimentary Shoppers Stop Silver Edge membership |
| Milestone benefit | — | — |
| Foreign currency markup | 2.5% - Foreign Currency Transactions | 3.50% - Foreign Currency Transactions |
Which is better for rewards?
For rewards, the 6E Rewards Xl- Indigo Hdfc Bank Credit Card is more advantageous, offering 5 6E Rewards per Rs.100 spent on Indigo and other categories like fuel, groceries, dining, and entertainment. In contrast, the Shoppers Stop Hdfc Bank Credit Card provides 3% reward points on Shoppers Stop spends and 1% on other purchases, making it less rewarding overall for varied spending.
Which is better for travel?
The 6E Rewards Xl- Indigo Hdfc Bank Credit Card excels in travel benefits, particularly with its complimentary flight ticket worth Rs.3000 and significant rewards on Indigo purchases. The Shoppers Stop Hdfc Bank Credit Card lacks travel-specific perks, focusing instead on shopping rewards, which may not appeal to frequent travelers.
Which has lower effective cost?
In terms of effective cost, the Shoppers Stop Hdfc Bank Credit Card has a lower joining and renewal fee of Rs.299 compared to the Rs.1500 fees of the 6E Rewards Xl- Indigo Hdfc Bank Credit Card. However, the forex markup is lower for the 6E card at 2.5%, compared to 3.5% for the Shoppers Stop card, making it potentially more cost-effective for international transactions.
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 Airlines and want to maximize your travel rewards. This card is particularly beneficial for those who spend significantly on travel-related expenses and prefer earning rewards that can be redeemed for flights.
Who should pick Shoppers Stop Hdfc Bank Credit Card?
Consider Shoppers Stop Hdfc Bank Credit Card if you are a regular shopper at Shoppers Stop and want a card with lower fees. This card is suitable for individuals who prefer shopping rewards and want a straightforward rewards structure without high annual fees.
Frequently Asked Questions
The joining fee is Rs.1500.
It offers 8 complimentary airport lounge accesses per calendar year.
The welcome benefit is a complimentary Shoppers Stop Silver Edge membership.
The 6E Rewards Xl- Indigo Hdfc Bank Credit Card has a forex markup of 2.5%, while the Shoppers Stop Hdfc Bank Credit Card has a markup of 3.5%.
Yes, you can earn 2% 6E Rewards on every Rs.100 spent on fuel.