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Side-by-Side Comparison|Updated March 2026

6E Rewards - IndiGo SBI Card vs Emirates Skywards ICICI Bank Emeralde Credit Card

Detailed comparison of fees, rewards, benefits, and value to help you choose the right credit card for your spending pattern.

SBI Card

6E Rewards - IndiGo SBI Card

7.8/10
Annual Fee₹500
Base Rewards1%
NetworkMastercard
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ICICI Bank

Emirates Skywards ICICI Bank Emeralde Credit Card

8.5/10
Annual Fee₹10,000
Base Rewards1%
NetworkVisa
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Feature-by-Feature Comparison

Feature6E Rewards - IndiGo SBI CardEmirates Skywards ICICI Bank Emeralde Credit Card
Annual Fee₹500₹10,000
Joining Fee₹500₹10,000
Fee Waiver SpendN/AN/A
Base Reward Rate1%1%
Reward Currency6E RewardsSkywards Miles
NetworkMastercardVisa
Editor Rating7.8/108.5/10
Forex Markup3.5%3.5%

Accelerated Rewards

6E Rewards - IndiGo SBI Card

  • 3% on IndiGo - TRAVEL
  • 2% on TRAVEL

Emirates Skywards ICICI Bank Emeralde Credit Card

  • 2.5% on Emirates Bookings

Pros & Cons

6E Rewards - IndiGo SBI Card

Pros

  • Welcome voucher of 1,500 INR effectively covers the joining fee for the first three years
  • Accelerated 2% rewards on IndiGo ticket bookings with no upper cap
  • Includes 6E Prime add-ons: Priority check-in, choice of seat, and a complimentary meal
  • Solid 1.5% reward rate on daily categories like Dining, Grocery, and Entertainment

Cons

  • No complimentary domestic or international airport lounge access
  • Reward points can only be redeemed for IndiGo flight tickets and services
  • High annual interest rate of 42% on outstanding balances

Emirates Skywards ICICI Bank Emeralde Credit Card

Pros

  • Unlimited domestic and international lounge access for the primary cardholder.
  • Complimentary Emirates Skywards Silver Tier membership providing priority check-in and boarding.
  • High reward rate of 2.5 Skywards Miles per ₹100 on all spends (except exclusions).
  • Generous movie benefit with Buy 1 Get 1 up to ₹750 off, 4 times a month.

Cons

  • High annual fee of ₹10,000 with no specified spend-based waiver.
  • High foreign currency markup of 3.5% despite being a premium travel card.
  • Miles are primarily valuable only for Emirates loyalists.

Our Verdict

Emirates Skywards ICICI Bank Emeralde Credit Card edges ahead overall with a stronger combination of rewards and value. However, 6E Rewards - IndiGo SBI Card could be the better pick if its specific category strengths match your spending habits.

Choose 6E Rewards - IndiGo SBI Card if

Travelers who prioritize IndiGo for domestic flights and want to earn free tickets through daily spends.

Choose Emirates Skywards ICICI Bank Emeralde Credit Card if

Silver Tier status and high mile earn rate on Emirates bookings make it highly rewarding for loyalists.

Frequently Asked Questions

Which is better: 6E Rewards - IndiGo SBI Card or Emirates Skywards ICICI Bank Emeralde Credit Card?
Emirates Skywards ICICI Bank Emeralde Credit Card edges ahead overall with a stronger combination of rewards and value. However, 6E Rewards - IndiGo SBI Card could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between 6E Rewards - IndiGo SBI Card and Emirates Skywards ICICI Bank Emeralde Credit Card?
6E Rewards - IndiGo SBI Card has an annual fee of ₹500, while Emirates Skywards ICICI Bank Emeralde Credit Card has an annual fee of ₹10,000.
Which card has better rewards: 6E Rewards - IndiGo SBI Card or Emirates Skywards ICICI Bank Emeralde Credit Card?
6E Rewards - IndiGo SBI Card offers a base reward rate of 1% with accelerated rewards on IndiGo - TRAVEL and TRAVEL. Emirates Skywards ICICI Bank Emeralde Credit Card offers 1% base rewards with bonuses on Emirates Bookings. The better choice depends on your primary spending categories.
Can I have both 6E Rewards - IndiGo SBI Card and Emirates Skywards ICICI Bank Emeralde Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. 6E Rewards - IndiGo SBI Card and Emirates Skywards ICICI Bank Emeralde Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: 6E Rewards - IndiGo SBI Card or Emirates Skywards ICICI Bank Emeralde Credit Card?
For beginners, 6E Rewards - IndiGo SBI Card may be more approachable with a lower annual fee of ₹500. However, evaluate based on your expected spending pattern rather than fee alone.

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