Bandhan Bank Flare Credit Card VS Bandhan Bank Sparks Credit Card VS HDFC Bank Millennia Credit Card VS 6E Rewards XL – Indigo Kotak Bank Credit Card
Fees & Charges
Rewards & Benefits
Travel & Lifestyle
Security & Other
Bandhan Bank Flare Credit Card
Bandhan Bank Sparks Credit Card
HDFC Bank Millennia Credit Card
6E Rewards XL – Indigo Kotak Bank Credit Card
Who is it for?
Who is it for?
Who is it for?
Who is it for?
Pros
Key benefits and features.
Never-expiring reward points ensure long-term value and flexibility for redemption.
Enjoy significant savings with 15% off dining and 25% off movie tickets monthly.
Complimentary domestic and international lounge access enhances travel comfort.
Benefit from a low foreign currency markup of just 1.99% on international spends.
Attractive welcome benefit of an Amazon Pay e-voucher worth ₹2,000.
Pros
Key benefits and features.
No joining fee and a manageable renewal fee, easily waived with annual spending.
Enjoy never-expiring reward points on all eligible spends, offering long-term value.
Valuable welcome benefits include bonus points and cashback on your first EMI booking.
Receive complimentary domestic airport lounge access, enhancing your travel experience.
Benefit from regular movie discounts on BookMyShow, making entertainment more affordable.
Pros
Key benefits and features.
High 5% cashback on popular partner merchants including Myntra, Amazon.
Renewal fee waiver on spending ₹1 Lakh in the card anniversary year.
Provides substantial savings for digital-savvy consumers on daily spends.
Pros
Key benefits and features.
High reward rate of 6% on Indigo spends, ideal for frequent flyers.
Offers 8 complimentary domestic airport lounge accesses annually.
Welcome benefits include a Rs. 3,000 flight ticket and 6E prime add-on.
Accelerated 3% 6E Rewards on dining, groceries, and movie spends.
Discounted convenience fee of Rs. 150 on all Indigo flight bookings.
Cons
Key drawbacks and limitations.
High monthly income requirement of ₹12 lakh makes the card inaccessible for many.
Renewal fee waiver requires a substantial annual spend of ₹6,00,000.
Interest rates can be high for new customers at 3.50% per month on retail purchases.
Cash advance charges are steep at 3.5% with a minimum of ₹500 plus taxes.
Over limit fee of 2.5% (minimum ₹500) can add unexpected costs.
Cons
Key drawbacks and limitations.
Limited lounge access, offering only one domestic visit per calendar quarter.
A high foreign currency mark-up of 3.50% + taxes makes international transactions costly.
Accelerated reward categories are not explicitly detailed, relying on implied value charts.
Cons
Key drawbacks and limitations.
Earns a lower 1% cashback on offline/online spends at non-partner merchants.
Accelerated 5% cashback is capped at 1,000 CashPoints per statement cycle.
A minimum of 500 CashPoints are required to redeem against statement balance.
Cons
Key drawbacks and limitations.
The 6E Rewards XL – Indigo Kotak Bank Credit Card is discontinued.
A redemption fee of Rs. 99 is charged on every reward redemption request.
High foreign currency markup of 3.5% on international transactions.
No fuel surcharge waiver or international lounge access benefits.
Welcome flight ticket requires specific monthly transaction completion.