6E Rewards – Indigo Kotak Bank Credit Card VS AU Fi Magnifi Credit Card VS Axis Bank Horizon Credit Card VS Bank of Baroda Etihad Guest Credit Card
Fees & Charges
Rewards & Benefits
Travel & Lifestyle
Security & Other
6E Rewards – Indigo Kotak Bank Credit Card
AU Fi Magnifi Credit Card
Axis Bank Horizon Credit Card
Bank of Baroda Etihad Guest Credit Card
Who is it for?
Who is it for?
Who is it for?
Who is it for?
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.
Pros
Key benefits and features.
Lifetime free card with no joining or annual fees, making it easy to maintain.
High reward rate of up to 5% (20 Fi Points/₹100) on weekend spending.
Provides valuable 20% discounts on Amazon, Zepto, Zomato, and BookMyShow.
An excellent entry-level card for building credit history and saving money.
Pros
Key benefits and features.
Accelerated EDGE Miles on travel bookings, offering a high reward rate for frequent flyers.
Complimentary access to both domestic and international airport lounges for comfortable travel.
Valuable welcome benefits of 5,000 EDGE Miles on initial spends, boosting your rewards.
Attractive dining discounts via Eazydiner and the Axis Bank Dining Delights Program.
Flexible reward redemption options, including transfers to various airline and hotel partners.
Pros
Key benefits and features.
Low 1% forex markup makes it ideal for international travelers
Multiple bonus mile opportunities on meeting monthly, quarterly, and annual spend thresholds
Complimentary domestic and international lounge access included
Annual fee waiver achievable on spending ₹3,00,000
Complimentary Etihad Guest tier upgrade for frequent flyers
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.
Cons
Key drawbacks and limitations.
Weekday Fi points earning is capped at 2,000 per statement cycle.
Weekend discounts are capped at ₹100, require min. ₹500 spend, and are monthly.
Lacks airport lounge access and other premium travel or lifestyle benefits.
High foreign currency markup of 3.49% makes it unsuitable for international use.
Cons
Key drawbacks and limitations.
No spend-based annual fee waiver, requiring consistent payment of the ₹3,000 + GST fee.
High foreign currency markup of 3.5% on international non-DCC transactions.
Several spend categories like fuel, utilities, and rent are excluded from earning EDGE Miles.
High interest rate of 3.75% monthly (55.55% annually) on outstanding balances.
Cons
Key drawbacks and limitations.
No reward points or cashback earned on fuel transactions
Miles can only be redeemed on the Etihad platform, limiting flexibility
Joining and annual fees are relatively high at ₹2,500 plus GST
Lounge access is capped per quarter, restricting frequent use