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6E Rewards – IndiGo HDFC Bank Credit Card VS HDFC Bank Regalia First 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: 30 June 2026
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CheQ AU Credit Card

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6E Rewards – IndiGo HDFC Bank Credit Card
6E Rewards – IndiGo HDFC Bank Credit Card
HDFC Bank Regalia First Credit Card
HDFC Bank Regalia First Credit Card

Fees & Charges

Joining Fee₹500 + GST
Joining Fee₹1,000 + GST
Renewal Fee₹500 + GST
Renewal Fee₹1,000 + GST
Spend Based WaiverNot Applicable.
Spend Based WaiverRenewal fee waived off if an amount exceeding Rs. 1 Lakh is spent in the anniversary year.
Foreign Transaction Fees3.5% on all foreign currency transactions.
Foreign Transaction Fees2% on forex transactions; 3.5% for international transactions (as per FAQ).
Interest Rate (APR)3.75% Per Month (45% Annually).
Interest Rate (APR)3.6% monthly (equivalent to 43.2% annually) on the overdue amount.

Rewards & Benefits

Welcome BonusReceive 1 complimentary flight ticket voucher worth ₹1,500 and 1 complimentary 6E Prime Add-On.
Welcome Bonus1,000 Reward Points on successful payment of the annual fee.
Rewards RateEarn 2.5% on IndiGo, 2% on dining/entertainment/groceries, 1% on fuel & other spends.
Rewards RateEarn 4 Reward Points for every Rs. 150 spent on all retail purchases.
Reward TypeReward Points
Reward TypeReward Points
Reward Redemption Fee₹200 + GST for redeeming 6E Rewards.
Reward Redemption FeeRs. 99

Travel & Lifestyle

Domestic Lounge AccessNo complimentary lounge access is offered.
Domestic Lounge AccessNot Available
International Lounge AccessNo complimentary lounge access is offered.
International Lounge AccessNot Available
Travel BenefitsAccelerated 6E Rewards on IndiGo flights, complimentary flight voucher & 6E Prime Add-On.
Travel BenefitsReward points can be redeemed for flight and hotel bookings.
Movie BenefitsEarn 2% 6E Rewards on entertainment spends.
Movie BenefitsNot Applicable
Dining BenefitsEarn 2% 6E Rewards on dining spends.
Dining BenefitsSpecial offers at premium restaurants with The Good Food Trail dining program across top cities.
Golf BenefitsNot Applicable
Golf BenefitsNot Available
Fuel Surcharge WaiverNo Waiver Applicable.
Fuel Surcharge Waiver1% waiver on fuel transactions between Rs. 400 and Rs. 5,000, capped at Rs. 500/billing cycle.

Security & Other

Insurance BenefitsNot Applicable
Insurance BenefitsAir accidental (Rs 50L), emergency overseas hospitalization (Rs 10L), credit liability (Rs 5L).
Cash Advance Charges2.5% of amount withdrawn, min ₹500.
Cash Advance Charges2.5% of withdrawn amount, minimum Rs. 500 or Rs. 600, whichever is higher.
Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

6E Rewards – IndiGo HDFC Bank Credit Card

HDFC Bank Regalia First Credit Card

Who is it for?

The 6E Rewards IndiGo HDFC Bank Credit Card is designed for frequent IndiGo travelers, offering accelerated 6E Rewards on flight bookings, dining, and entertainment. It comes with valuable welcome benefits like a complimentary flight voucher and 6E Prime Add-On. While it excels in travel rewards, it does not provide lounge access or fuel surcharge waivers.

Who is it for?

The HDFC Bank Regalia First Credit Card offers a blend of travel and lifestyle privileges. It provides significant Reward Points on retail purchases, along with dining benefits and comprehensive insurance covers. Cardholders can also benefit from milestone rewards and a renewal fee waiver based on annual spending, making it ideal for frequent travelers and shoppers seeking enhanced benefits.

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.

Earn 5,000 Reward Points on annual spends of Rs. 3 Lakhs or more.

Accumulate up to 7,500 bonus Reward Points annually through milestone benefits.

Comprehensive insurance covers include air accident, hospitalization & credit liability.

Renewal fee waiver available on annual spends exceeding Rs. 1 Lakh.

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.

A reward redemption fee of Rs. 99 is always applicable.

Does not provide any complimentary domestic or international lounge access.

No reward points are earned when making fuel transactions.

The foreign currency markup can be as high as 3.5%.

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.