HDFC Regalia Credit Card vs 6E Rewards XL

Thinking of taking an HDFC credit card to aid in your shopping and traveling expenses? We have discussed two credit cards offered by the HDFC Bank namely HDFC Regalia Credit Card and 6E Rewards XL – IndiGo HDFC Bank Credit Card. before you jump right into the credit card application you might want to have a look at your spending patterns and needs. Once this is clear then you need to compare credit cards in order to find the find that compliments your requirements. In this article, we have compared the top two credit cards that are best suited for shopping and travel. Keep reading to kick start your research.

HDFC Regalia Credit Card

HDFC Regalia Credit Card 

This one is a mid-level credit card and is ideal for those who love shopping and traveling. With the HDFC Regalia Credit Card, the credit cardholder gets to earn 4 reward points on all purchases and gets complimentary access to domestic and international airport lounge access. Hereunder are the key highlights of this credit card. 

Joining Fee: Rs. 2,500

Renewal Fee: Rs. 2,500

Spend-Based Waiver: The renewal fee will be waived off on spending Rs. 3 lakhs in the previous year.

Features and Benefits:

  • The credit cardholder gets 2,500 bonus reward points as a welcome benefit on this credit card.
  • Earn 4 reward points on every Rs. 150 spent using this card.
  • Enjoy 12 complimentary domestic lounge access and 6 complimentary international lounge access every year.
  • Get an exclusive dine-out passport membership and enjoy exclusive offers and discounts on dining.
  • Get insurance coverage worth Rs. 1 crore on accidental air death and insurance cover worth Rs. 15 lakhs for emergency hospitalization for overseas treatment.
  • Enjoy a low foreign currency markup fee of 2%.
  • Get a 1% fuel surcharge waiver on fuel transactions between Rs. 400 – Rs. 5,000 at all fuel stations.  

6E Rewards XL – IndiGo HDFC Bank Credit Card

One of the travel credit cards offered by the HDFC Bank. With the 6E Rewards XL – IndiGo HDFC Bank Credit Card, you get to enjoy a low foreign currency markup fee of 2%, along with shopping and fining benefits., travel benefits, etc. here below are the key features and benefits of this credit card/ 

Joining Fee: Rs. 2,500

Renewal Fee: Rs. 2,500

Spend-Based Waiver: N/A

Features and Benefits:

  • On joining the card membership, the credit cardholder gets a complimentary 6E Prime Add-On, welcome vouchers from Accor Hotel Stay worth Rs. 5,000, Accor Hotel Dining Voucher worth Rs. 1,000 and a Budweiser voucher worth Rs. 250.
  • Earn up to 15% 6E Rewards on IndiGo featured Partners.
  • Earn 5% 6E Rewards on all spends on IndiGo.
  • Earn 3% 6E Rewards on groceries, dining, and entertainment.
  • Earn 2% 6E Rewards on all other spendings.
  • Enjoy 8 complimentary domestic lounge access every year.
  • Save up to 10% on dining bills under the Good Food Trail Dining Program.
  • Enjoy a low foreign currency markup fee of 2.5%.
  • Get a 1% fuel surcharge waiver on a minimum transaction of Rs. 400.

Additional reading: Ways To Maximize The Benefits Of Credit Card

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