6E Rewards XL – Indigo HDFC Bank Credit Card vs HDFC Millennia Credit Card

• Get 5 6E Rewards per Rs. 100 Spends on flights booking on IndiGo App/Website
• Gain 3 6E Rewards per Rs. 100 Spends on Grocery, Dining and Entertainment
• Get 2 6E Rewards per Rs. 100 on all other spends
• You are entitled to 8 complimentary domestic airport lounge accesses per year, which are distributed as 2 accesses per quarter
• Exclusive Dining Privileges: Enjoy the benefits of the Good Food Trail Dining program at premium restaurants across top cities
• Markup fee of 2.5% on all foreign currency transactions
• Zero Lost card liability 
• Up to 50 days of interest-free period from the date of purchase
• Enjoy Revolving Credit at a nominal interest rate
• Domestic Lounge Access – VISA / Mastercard Card: 8 Complimentary Domestic Lounge Access per calendar year (2 in a quarter) 
• Mastercard Offers & Benefits: Cardholders of the 6E Rewards XL- IndiGo HDFC Bank Credit Card can enjoy exclusive offers and benefits curated by Mastercard across various categories including travel, dining, shopping and more
• Convert big spends into EMI after purchase
• The card is enabled for contactless payments

• Renewal Offer: Spend Rs. 1 lakh or more in the previous 12 months to waive the renewal membership fee for the next year
• Avail 5% Cashback on Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber and Zomato
• Avail 1% cashback on all other spends
• Get Rs. 1000 worth of gift vouchers on spends of Rs. 1,00,000 and above in each calendar quarter
• Up to 20% discount on partnered restaurants via Swiggy Dineout
• Zero lost card liability
• Up to 50 days of interest-free period from the date of purchase
• Revolving Credit is available at a nominal interest rate 
• Enjoy amazing dining benefits with the Good Food Trail program
• Save up to 20% on your restaurant bill payments at more than 20,000 restaurants with Swiggy Dineout. This offer includes both restaurant and Swiggy discounts and is only available for payments made through the Swiggy App
• Lounge access has been added to the quarterly spend milestone program, effective from December 1, 2023. Once a user achieves a quarterly spend milestone, they can choose to receive either a Dreamfolks airport lounge access voucher or a Rs. 1000 voucher from a list of available brands
• 1% fuel surcharge waiver at all fuel stations in India. This is valid on transactions between Rs. 400 and Rs. 5000 
• Convert big spends into EMI after purchase
• This card is equipped with contactless payment technology for added convenience and speed

Pros

• Get 8 complimentary domestic lounge access
• Complimentary ticket worth Rs. 3000 as a welcome benefit
• Get 5 6E Rewards per Rs. 100 Spends on flights booking on IndiGo App/Website

Cons

• No golf benefits are provided
• No international airport lounge access

Pros

• Get 7% Reward points on every Shoppers Stop spends
• Get 2% Reward points on every Non-Shoppers Stop spends
• Enjoy Complimentary Shoppers Stop Black membership worth Rs. 4500

Cons

• No golf/coaching sessions
• No proper lounge access benefits