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Side-by-Side Comparison|Updated March 2026

6E Rewards - IndiGo SBI Card vs HDFC Bank Diners Club Black Metal Edition

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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HDFC Bank

HDFC Bank Diners Club Black Metal Edition

9.2/10
Annual Fee₹10,000
Base Rewards0.9990000000000001%
NetworkDiners Club
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Feature-by-Feature Comparison

Feature6E Rewards - IndiGo SBI CardHDFC Bank Diners Club Black Metal Edition
Annual Fee₹500₹10,000
Joining Fee₹500₹10,000
Fee Waiver SpendN/A₹8,00,000
Base Reward Rate1%0.9990000000000001%
Reward Currency6E RewardsReward Points
NetworkMastercardDiners Club
Editor Rating7.8/109.2/10
Forex Markup3.5%3.5%

Accelerated Rewards

6E Rewards - IndiGo SBI Card

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

HDFC Bank Diners Club Black Metal Edition

  • 0% on SmartBuy Hotels
  • 0% on SmartBuy Flights
  • 0% on Weekend Dining

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

HDFC Bank Diners Club Black Metal Edition

Pros

  • Unlimited domestic and international lounge access for both primary and add-on cardholders.
  • High base reward rate of 3.33% (5 RP per ₹150) with 1:1 redemption on flights and hotels.
  • Generous quarterly milestone of 10,000 bonus points on ₹4 Lakhs spend.
  • Complimentary annual memberships of Amazon Prime, Swiggy One, and Club Marriott on meeting spend criteria.

Cons

  • Diners Club network acceptance can be lower than Visa/Mastercard in smaller offline stores.
  • No fuel surcharge waiver, which is a downgrade from the plastic version.
  • High annual fee of ₹10,000 with a steep waiver threshold of ₹8 Lakhs.

Our Verdict

HDFC Bank Diners Club Black Metal Edition 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 HDFC Bank Diners Club Black Metal Edition if

Unlimited global lounge access for self and add-on members plus low forex markup.

Frequently Asked Questions

Which is better: 6E Rewards - IndiGo SBI Card or HDFC Bank Diners Club Black Metal Edition?
HDFC Bank Diners Club Black Metal Edition 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 HDFC Bank Diners Club Black Metal Edition?
6E Rewards - IndiGo SBI Card has an annual fee of ₹500, while HDFC Bank Diners Club Black Metal Edition has an annual fee of ₹10,000. HDFC Bank Diners Club Black Metal Edition offers a fee waiver on ₹8,00,000 annual spend.
Which card has better rewards: 6E Rewards - IndiGo SBI Card or HDFC Bank Diners Club Black Metal Edition?
6E Rewards - IndiGo SBI Card offers a base reward rate of 1% with accelerated rewards on IndiGo - TRAVEL and TRAVEL. HDFC Bank Diners Club Black Metal Edition offers 0.9990000000000001% base rewards with bonuses on SmartBuy Hotels and SmartBuy Flights. The better choice depends on your primary spending categories.
Can I have both 6E Rewards - IndiGo SBI Card and HDFC Bank Diners Club Black Metal Edition?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. 6E Rewards - IndiGo SBI Card and HDFC Bank Diners Club Black Metal Edition can complement each other if they cover different reward categories.
Which card is better for beginners: 6E Rewards - IndiGo SBI Card or HDFC Bank Diners Club Black Metal Edition?
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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