HDFC Bank Millennia Credit Card VS 6E Rewards XL – Indigo Kotak Bank Credit Card VS American Express SmartEarn Credit Card VS AU Bank LIT Credit Card
Fees & Charges
Rewards & Benefits
Travel & Lifestyle
Security & Other
HDFC Bank Millennia Credit Card
6E Rewards XL – Indigo Kotak Bank Credit Card
American Express SmartEarn Credit Card
AU Bank LIT Credit Card
Who is it for?
Who is it for?
Who is it for?
Who is it for?
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.
Pros
Key benefits and features.
The American Express SmartEarn Credit Card features a low joining fee of just Rs. 495.
Enjoy significant accelerated rewards (10X & 5X) on popular online shopping, dining, and travel platforms.
The annual membership fee can be easily waived by spending Rs. 40,000 in the previous year.
Provides attractive milestone benefits in the form of gift vouchers on reaching spend thresholds.
Benefit from excellent customer service and robust card protection features like Zero Lost Card Liability.
Pros
Key benefits and features.
Highly customizable, allowing users to select and pay for desired features.
Lifetime Free status eliminates annual fees, saving costs on unused benefits.
Offers diverse paid features like accelerated rewards, cashback, and memberships.
Flexibility to activate/deactivate benefits via the AU 0101 App as per need.
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.
Cons
Key drawbacks and limitations.
The American Express SmartEarn Credit Card lacks domestic or international lounge access benefits.
This card is primarily shopping-focused, lacking a wide array of additional lifestyle benefits.
Monthly caps on accelerated reward points can significantly limit maximum earnings for high spenders.
American Express cards may face acceptance issues at smaller local merchants compared to Visa/Mastercard.
Its standalone value is less compared to combining with other Amex cards for optimized redemption.
Cons
Key drawbacks and limitations.
Users must pay for most premium benefits, increasing overall cost if many are chosen.
Requires active management via app to select/deactivate features and avoid auto-renewal.
Penalty fees apply for not meeting spend targets for certain paid memberships.
Unused lounge access and other paid features expire, cannot be carried forward.