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Side-by-Side Comparison|Updated March 2026

6E Rewards - IndiGo SBI Card vs ICICI Bank HPCL Platinum 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

ICICI Bank HPCL Platinum Credit Card

6.2/10
Annual Fee₹199
Base Rewards0.5%
NetworkVisa
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Feature-by-Feature Comparison

Feature6E Rewards - IndiGo SBI CardICICI Bank HPCL Platinum Credit Card
Annual Fee₹500₹199
Joining Fee₹500₹199
Fee Waiver SpendN/A₹50,000
Base Reward Rate1%0.5%
Reward Currency6E RewardsICICI Bank Rewards
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

ICICI Bank HPCL Platinum Credit Card

  • 0% on Fuel at HPCL

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

ICICI Bank HPCL Platinum Credit Card

Pros

  • 2.5% cashback on fuel purchases at HPCL pumps (up to ₹100/month).
  • 1% fuel surcharge waiver on transactions up to ₹4,000 at HPCL.
  • ₹100 off on movie tickets twice a month via BookMyShow.
  • Low annual fee of ₹199, waived on spending ₹50,000 annually.

Cons

  • Cashback and surcharge waiver only applicable on ICICI Merchant Services swipe machines.
  • No airport lounge access benefits.
  • Low reward rate on non-fuel retail spends (0.5% value).

Our Verdict

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

Strong fuel savings at HPCL pumps for a very low annual fee.

Frequently Asked Questions

Which is better: 6E Rewards - IndiGo SBI Card or ICICI Bank HPCL Platinum Credit Card?
6E Rewards - IndiGo SBI Card edges ahead overall with a stronger combination of rewards and value. However, ICICI Bank HPCL Platinum 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 ICICI Bank HPCL Platinum Credit Card?
6E Rewards - IndiGo SBI Card has an annual fee of ₹500, while ICICI Bank HPCL Platinum Credit Card has an annual fee of ₹199. ICICI Bank HPCL Platinum Credit Card offers a fee waiver on ₹50,000 annual spend.
Which card has better rewards: 6E Rewards - IndiGo SBI Card or ICICI Bank HPCL Platinum Credit Card?
6E Rewards - IndiGo SBI Card offers a base reward rate of 1% with accelerated rewards on IndiGo - TRAVEL and TRAVEL. ICICI Bank HPCL Platinum Credit Card offers 0.5% base rewards with bonuses on Fuel at HPCL. The better choice depends on your primary spending categories.
Can I have both 6E Rewards - IndiGo SBI Card and ICICI Bank HPCL Platinum Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. 6E Rewards - IndiGo SBI Card and ICICI Bank HPCL Platinum Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: 6E Rewards - IndiGo SBI Card or ICICI Bank HPCL Platinum Credit Card?
For beginners, ICICI Bank HPCL Platinum Credit Card may be more approachable with a lower annual fee of ₹199. However, evaluate based on your expected spending pattern rather than fee alone.

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