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6E Rewards – IndiGo HDFC Bank Credit Card VS IndiGo Axis Bank Premium Credit Card VS IndiGo SBI Card VS IndiGo SBI Card Elite

A detailed, side-by-side look at 4 leading credit cards. Analyze the features that matter most to you and make an informed choice.
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Last updated: 30 July 2026
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CheQ AU Credit Card

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CheQ AU Credit Card

Fees & Charges

Joining Fee₹500 + GST
Joining Fee₹5,000 + GST
Joining Fee₹1,499 + GST
Joining Fee₹4,999 + GST
Renewal Fee₹500 + GST
Renewal Fee₹5,000 + GST
Renewal Fee₹1,499 + GST
Renewal Fee₹4,999 + GST
Spend Based WaiverNot Applicable.
Spend Based Waiver
Spend Based Waiver
Spend Based Waiver
Foreign Transaction Fees3.5% on all foreign currency transactions.
Foreign Transaction Fees2.50% of transaction value on international transactions (lowered forex mark-up).
Foreign Transaction Fees
Foreign Transaction Fees
Interest Rate (APR)3.75% Per Month (45% Annually).
Interest Rate (APR)3.75% per month (55.55% per annum) finance charges.
Interest Rate (APR)
Interest Rate (APR)

Rewards & Benefits

Welcome BonusReceive 1 complimentary flight ticket voucher worth ₹1,500 and 1 complimentary 6E Prime Add-On.
Welcome BonusVoucher worth 5000 IndiGo BluChips and one complimentary 6E Eats voucher on payment of joining fee.
Welcome BonusGet 2,500 IndiGo BluChips Voucher after paying annual fee and first transaction within 60 days.
Welcome Bonus5,000 IndiGo BluChips Voucher, 1 6E Eats Voucher, and 4 6E Prime Passes on specific spends.
Rewards RateEarn 2.5% on IndiGo, 2% on dining/entertainment/groceries, 1% on fuel & other spends.
Rewards RateEarn 7 IndiGo BluChips on every ₹100 spent on IndiGo, 3 on groceries/hotel, 2 on other spends.
Rewards Rate3 IndiGo BluChips on every Rs. 100 spent on IndiGo App and Web. 2 BluChips on hotels/travel. 1 BluChip on other spends.
Rewards RateUp to 7 IndiGo BluChips per Rs. 100 on IndiGo, 3 on travel, 2 on other spends.
Reward TypeReward Points
Reward TypeAir Miles
Reward TypeAir Miles
Reward TypeAir Miles
Reward Redemption Fee₹200 + GST for redeeming 6E Rewards.
Reward Redemption Fee
Reward Redemption Fee
Reward Redemption Fee

Travel & Lifestyle

Domestic Lounge AccessNo complimentary lounge access is offered.
Domestic Lounge Access2 complimentary domestic airport lounge visits per quarter on ₹50,000 spend in 3 months.
Domestic Lounge Access4 complimentary Domestic Airport Lounge visits in a year. Maximum of 1 visit per quarter.
Domestic Lounge Access8 complimentary visits per year (max 2 per quarter).
International Lounge AccessNo complimentary lounge access is offered.
International Lounge AccessComplimentary Priority Pass membership with 2 international lounge visits.
International Lounge Access
International Lounge Access6 complimentary visits per year (max 2 per quarter).
Travel BenefitsAccelerated 6E Rewards on IndiGo flights, complimentary flight voucher & 6E Prime Add-On.
Travel BenefitsSubstantial IndiGo BluChips earnings, welcome/annual BluChips vouchers, and lounge access.
Travel BenefitsDesigned for IndiGo frequent flyers with accelerated BluChips on IndiGo & travel spends.
Travel BenefitsFree flight cancellations (4/year up to ₹3,000 each) and exclusive IndiGo benefits.
Movie BenefitsEarn 2% 6E Rewards on entertainment spends.
Movie BenefitsBuy One Get One offer on movie tickets, once every month on BookMyShow.
Movie Benefits
Movie Benefits
Dining BenefitsEarn 2% 6E Rewards on dining spends.
Dining BenefitsExceptional dining experiences at top restaurants across India with Axis Bank Dining Delights.
Dining Benefits
Dining Benefits
Golf BenefitsNot Applicable
Golf Benefits
Golf Benefits
Golf Benefits
Fuel Surcharge WaiverNo Waiver Applicable.
Fuel Surcharge Waiver
Fuel Surcharge Waiver1% fuel surcharge waiver across all petrol pumps in India. Max waiver of Rs. 200 per statement cycle.
Fuel Surcharge Waiver1% waiver on transactions ₹500-₹4,000, max ₹400 waiver per statement cycle.

Security & Other

Insurance BenefitsNot Applicable
Insurance Benefits
Insurance Benefits
Insurance BenefitsLost Card Liability up to ₹1 Lakh, Lost Baggage up to ₹75,000.
Cash Advance Charges2.5% of amount withdrawn, min ₹500.
Cash Advance Charges2.5% of the transaction amount (Minimum ₹500).
Cash Advance Charges
Cash Advance Charges
Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

6E Rewards – IndiGo HDFC Bank Credit Card

IndiGo Axis Bank Premium Credit Card

IndiGo SBI Card

IndiGo SBI Card Elite

Who is it for?

Who is it for?

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.

Generous IndiGo BluChips earnings, especially 7 BluChips on IndiGo spends.

Substantial welcome and annual IndiGo BluChips vouchers and 6E Eats benefits.

Significant milestone benefits offer up to 20,000 additional IndiGo BluChips.

Complimentary Priority Pass with international lounge access enhances travel comfort.

Lowered foreign currency mark-up of 2.5% is beneficial for international travelers.

Pros

Key benefits and features.

Accelerated IndiGo BluChips on IndiGo and travel spends, ideal for frequent flyers.

Complimentary domestic airport lounge access, enhancing travel comfort and experience.

Generous milestone benefits with IndiGo BluChips Vouchers on reaching spend thresholds.

Nil add-on card fees, allowing family members to enjoy card benefits without extra cost.

Pros

Key benefits and features.

Excellent rewards program for IndiGo loyalists, earning up to 7 BluChips per ₹100 spent.

Generous welcome benefits including BluChips vouchers and 6E Prime Passes.

Complimentary domestic and international lounge access enhances travel comfort significantly.

Valuable milestone benefits provide substantial BluChips vouchers on reaching spend targets.

Includes useful travel insurance benefits like flight cancellation and lost baggage cover.

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.

High joining and annual fees of ₹5,000 may be a deterrent for some users.

Steep finance charges at 3.75% monthly (55.55% annually) if balances are carried.

Various transaction fees on rent, education, wallet loads, fuel, and utilities apply.

Domestic lounge access is conditional on meeting a ₹50,000 spend threshold quarterly.

Cons

Key drawbacks and limitations.

Lounge access is conditional on quarterly spends, which might be restrictive for some users.

Rewards are specific to IndiGo BluChips, limiting redemption flexibility to one airline.

Annual and renewal fees are applicable without an explicit spend-based waiver condition.

No mention of international lounge access or foreign currency markup benefits.

Cons

Key drawbacks and limitations.

High annual fees of ₹4,999 plus taxes, without an explicit spend-based waiver.

Lounge access requires a significant quarterly spend condition for domestic visits.

Rewards are primarily tied to IndiGo, limiting flexibility for other airline preferences.

No explicit mention of foreign currency markup, which could be a hidden cost for international travel.

Excludes utility, government, rental, and fuel transactions from earning reward points.

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.