HDFC Bank Regalia Gold Credit Card vs 6E Rewards XL – Indigo HDFC Bank Credit Card

* Get Rs. 1,500 worth vouchers on quarterly spends of Rs. 1.5 lakh
* Get Rs. 5,000 worth flight vouchers on annual spends of Rs. 5 lakh and an additional voucher of Rs. 5000 on spends of Rs. 7.5 lakhs
* Avail 5X Reward Points on spends at Marks & Spencer, Myntra, Nykaa & Reliance Digital: Earn 20 Reward Points on every Rs.150  retail spends at Marks & Spencer, Myntra, Reliance Digital, Nykaa
* Earn 4 Reward Points on every Rs. 150 spent on retail spends including Insurance, Utilities and Education
* Exclusive 24/7 Concierge Services
* Avail 12 complimentary access both at domestic and international terminals
* Using Priority Pass, cardholder and an add-on member can together avail up to 6 Complimentary Lounge Access per calendar year, outside India
* Enjoy great dining benefits with the Good Food Trail program: Up to 20% savings on all restaurant bill payments via Swiggy Dineout. Offer inclusive of Restaurant and Swiggy Discount. Offer valid only on payments done via the Swiggy App
* Get Rs. 1,500 worth vouchers from Marriott, Myntra, Marks & Spencer or Reliance Digital when you spend Rs. 1.5 Lakhs in every calendar quarter
* In an anniversary year (12 billing cycles), spend Rs. 4 Lakhs to get Renewal Fee waived for next renewal year
* You can convert big spends into EMI after purchase
* HDFC Bank Regalia Gold Credit Card is enabled for contactless payments
* Accidental air death cover worth Rs. 1 Crore
* Emergency overseas hospitalization cover up to Rs. 15 lakhs
* Credit Liability cover up to Rs. 9 Lakhs  
* Zero Lost card liability

• 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
• Discounted Convenience Fee on IndiGo tickets-Rs.150 per pax
• 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

Important update: Starting 1st January 2024, earn 2% 6E Rewards for every Rs. 100 spent on fuel, with a monthly cap of 500 6E Rewards

Pros

* Enjoy Revolving Credit on HDFC Bank Regalia Gold Credit Card at nominal interest rate
* Get Rs. 5,000 worth flight vouchers when spending Rs. 5 Lakhs in an anniversary year 
* Avail additional Rs. 5,000 worth flight vouchers when spending Rs. 7.5 Lakhs in an anniversary year 

Cons

* No Golf benefits
* There is a capping on grocery purchase
* Rewards are in form of vouchers

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