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6E Rewards – IndiGo HDFC Bank Credit Card VS 6E Rewards – Indigo Kotak Bank Credit Card

A detailed, side-by-side look at 2 leading credit cards. Analyze the features that matter most to you and make an informed choice.
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Last updated: 17 July 2026

Both 6E Rewards – Indigo Kotak Bank Credit Card and 6E Rewards – IndiGo HDFC Bank Credit Card suit travel-focused spenders, but they earn and cost differently. 6E Rewards – Indigo Kotak Bank Credit Card costs ₹700 + GST and earns 3% 6E Rewards on Indigo spends, 2% on dining, groceries, entertainment, and 1% on other spends. 6E Rewards – IndiGo HDFC Bank Credit Card costs ₹500 + GST and earns 2.5% on IndiGo, 2% on dining/entertainment/groceries, 1% on fuel & other spends. 6E Rewards – Indigo Kotak Bank Credit Card also brings accor hotels stay/dining vouchers, Budweiser gift voucher, while 6E Rewards – IndiGo HDFC Bank Credit Card counters with no complimentary lounge access is offered. Weigh the fee against the reward rate above to see which fits your spending pattern better.

Fees & Charges

Joining Fee₹500 + GST
Joining Fee₹700 + GST
Renewal Fee₹500 + GST
Renewal Fee₹700 + GST
Spend Based WaiverNot Applicable.
Spend Based WaiverNot available; the annual fee cannot be waived off based on spending.
Foreign Transaction Fees3.5% on all foreign currency transactions.
Foreign Transaction Fees3.5% on all foreign currency spends.
Interest Rate (APR)3.75% Per Month (45% Annually).
Interest Rate (APR)3.5% per month.

Rewards & Benefits

Welcome BonusReceive 1 complimentary flight ticket voucher worth ₹1,500 and 1 complimentary 6E Prime Add-On.
Welcome BonusAccor hotels stay/dining vouchers, Budweiser gift voucher.
Rewards RateEarn 2.5% on IndiGo, 2% on dining/entertainment/groceries, 1% on fuel & other spends.
Rewards RateEarn 3% 6E Rewards on Indigo spends, 2% on dining, groceries, entertainment, and 1% on other spends.
Reward TypeReward Points
Reward TypeAir Miles
Reward Redemption Fee₹200 + GST for redeeming 6E Rewards.
Reward Redemption FeeRs. 99 on every redemption request.

Travel & Lifestyle

Domestic Lounge AccessNo complimentary lounge access is offered.
Domestic Lounge Access
International Lounge AccessNo complimentary lounge access is offered.
International Lounge Access
Travel BenefitsAccelerated 6E Rewards on IndiGo flights, complimentary flight voucher & 6E Prime Add-On.
Travel BenefitsUp to 3% 6E Rewards on Indigo flights; exclusive saving opportunities and discount offers at Accor hotels.
Movie BenefitsEarn 2% 6E Rewards on entertainment spends.
Movie BenefitsAccelerated 6E Rewards on movie spends.
Dining BenefitsEarn 2% 6E Rewards on dining spends.
Dining BenefitsAccelerated 6E Rewards on dining spends; exclusive saving opportunities at Accor hotels.
Golf BenefitsNot Applicable
Golf Benefits
Fuel Surcharge WaiverNo Waiver Applicable.
Fuel Surcharge WaiverNot available.

Security & Other

Insurance BenefitsNot Applicable
Insurance Benefits
Cash Advance Charges2.5% of amount withdrawn, min ₹500.
Cash Advance Charges2.5% on the advance amount, subject to a minimum of ₹500.
Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

6E Rewards – IndiGo HDFC Bank Credit Card

6E Rewards – Indigo Kotak Bank Credit Card

Who is it for?

Who is it for?

Pros

Key benefits and features.

Receive a complimentary IndiGo flight ticket voucher worth ₹1,500 upon meeting criteria.

Enjoy accelerated rewards of 2.5% 6E Rewards on all IndiGo flight bookings.

Get a complimentary 6E Prime Add-On, including priority check-in and a meal.

Earn 2% 6E Rewards on grocery, dining, and entertainment spends.

Pros

Key benefits and features.

The 6E Rewards – Indigo Kotak Bank Credit Card is ideal for frequent Indigo flyers.

Earn accelerated 6E Rewards on dining, groceries, and entertainment expenses.

Enjoy attractive welcome benefits including Accor hotel vouchers and a Budweiser gift.

Reward points are easily redeemable against Indigo flight bookings, offering great value.

Cons

Key drawbacks and limitations.

The card does not provide any complimentary domestic or international lounge access.

No fuel surcharge waiver applicable, reducing overall benefits on fuel transactions.

A redemption fee of ₹200 + GST applies to all 6E Rewards redemptions.

A high foreign currency markup of 3.5% applies to all international transactions.

Cons

Key drawbacks and limitations.

The annual fee of Rs. 700 + GST cannot be waived off based on your spending.

A redemption fee of Rs. 99 is charged on every request to redeem 6E Rewards.

There is no fuel surcharge waiver, making fuel transactions less rewarding.

A high foreign currency markup of 3.5% applies to all international transactions.

How We Compare These Cards

Every comparison on CardsForYou is built from the same verified data set we use across the site - joining and renewal fees, reward rates, forex markup, lounge access, and insurance benefits - sourced directly from each issuer and refreshed regularly. We highlight the lower-cost option on fees automatically, but "best" always depends on your own spending pattern: a card that wins on annual fee may lose on reward rate for a heavy spender, and vice versa. Use the table above alongside your own typical monthly spend to judge real value, not just the headline numbers.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.