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Side-by-Side Comparison|Updated March 2026

6E Rewards - IndiGo SBI Card vs HDFC Bank Equitas Excite 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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HDFC Bank

HDFC Bank Equitas Excite Credit Card

6.2/10
Annual Fee₹500
Base Rewards0.2666666666666667%
NetworkVisa
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Feature-by-Feature Comparison

Feature6E Rewards - IndiGo SBI CardHDFC Bank Equitas Excite Credit Card
Annual Fee₹500₹500
Joining Fee₹500₹500
Fee Waiver SpendN/A₹1,00,000
Base Reward Rate1%0.2666666666666667%
Reward Currency6E RewardsReward Points
NetworkMastercardVisa
Editor Rating7.8/106.2/10
Forex Markup3.5%3.5%

Accelerated Rewards

6E Rewards - IndiGo SBI Card

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

HDFC Bank Equitas Excite Credit Card

  • 0% on Grocery — 500 pts/month
  • 0% on Utility Bills — 500 pts/month
  • 0% on Fuel — 500 pts/month

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 Equitas Excite Credit Card

Pros

  • 3X Reward Points on grocery, supermarkets, and utility bills.
  • Monthly milestone bonus of 500 points on spending ₹20,000.
  • Annual fee waiver on a relatively low spend of ₹1 Lakh.
  • 1% fuel surcharge waiver at all fuel stations in India.

Cons

  • Low reward point value of ₹0.20 per point.
  • Accelerated rewards are capped at 500 points per month.
  • No complimentary airport lounge access.

Our Verdict

6E Rewards - IndiGo SBI Card edges ahead overall with a stronger combination of rewards and value. However, HDFC Bank Equitas Excite Credit 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 Equitas Excite Credit Card if

Specifically designed for Equitas customers looking for an entry-level rewards card.

Frequently Asked Questions

Which is better: 6E Rewards - IndiGo SBI Card or HDFC Bank Equitas Excite Credit Card?
6E Rewards - IndiGo SBI Card edges ahead overall with a stronger combination of rewards and value. However, HDFC Bank Equitas Excite Credit 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 Equitas Excite Credit Card?
6E Rewards - IndiGo SBI Card has an annual fee of ₹500, while HDFC Bank Equitas Excite Credit Card has an annual fee of ₹500. HDFC Bank Equitas Excite Credit Card offers a fee waiver on ₹1,00,000 annual spend.
Which card has better rewards: 6E Rewards - IndiGo SBI Card or HDFC Bank Equitas Excite Credit Card?
6E Rewards - IndiGo SBI Card offers a base reward rate of 1% with accelerated rewards on IndiGo - TRAVEL and TRAVEL. HDFC Bank Equitas Excite Credit Card offers 0.2666666666666667% base rewards with bonuses on Grocery and Utility Bills. The better choice depends on your primary spending categories.
Can I have both 6E Rewards - IndiGo SBI Card and HDFC Bank Equitas Excite Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. 6E Rewards - IndiGo SBI Card and HDFC Bank Equitas Excite Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: 6E Rewards - IndiGo SBI Card or HDFC Bank Equitas Excite 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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