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Side-by-Side Comparison|Updated March 2026

6E Rewards - IndiGo SBI Card vs Paytm HDFC Bank 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

Paytm HDFC Bank Credit Card

7.2/10
Annual Fee₹500
Base Rewards1%
NetworkVisa
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Feature-by-Feature Comparison

Feature6E Rewards - IndiGo SBI CardPaytm HDFC Bank Credit Card
Annual Fee₹500₹500
Joining Fee₹500₹500
Fee Waiver SpendN/A₹50,000
Base Reward Rate1%1%
Reward Currency6E RewardsCashpoints
NetworkMastercardVisa
Editor Rating7.8/107.2/10
Forex Markup3.5%3.5%

Accelerated Rewards

6E Rewards - IndiGo SBI Card

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

Paytm HDFC Bank Credit Card

  • 0% on Paytm Recharges, Utilities,... — 500 pts/month
  • 0% on Other Paytm Spends — 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

Paytm HDFC Bank Credit Card

Pros

  • 3% cashback on Paytm app for recharges, utility bills, and movies.
  • 2% cashback on all other spends within the Paytm ecosystem.
  • 1% flat cashback on all other retail transactions.
  • Joining fee waiver on spending ₹30,000 within the first 90 days.

Cons

  • Monthly cashback caps (₹500 for 3% and 2% categories) limit high-value savings.
  • No complimentary airport lounge access in the base variant.
  • ₹50 redemption fee applicable for statement credit requests.

Our Verdict

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

Ideal for those who use Paytm for all utility bills, recharges, and movie bookings to maximize the 3% tier.

Frequently Asked Questions

Which is better: 6E Rewards - IndiGo SBI Card or Paytm HDFC Bank Credit Card?
6E Rewards - IndiGo SBI Card edges ahead overall with a stronger combination of rewards and value. However, Paytm HDFC Bank 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 Paytm HDFC Bank Credit Card?
6E Rewards - IndiGo SBI Card has an annual fee of ₹500, while Paytm HDFC Bank Credit Card has an annual fee of ₹500. Paytm HDFC Bank Credit Card offers a fee waiver on ₹50,000 annual spend.
Which card has better rewards: 6E Rewards - IndiGo SBI Card or Paytm HDFC Bank Credit Card?
6E Rewards - IndiGo SBI Card offers a base reward rate of 1% with accelerated rewards on IndiGo - TRAVEL and TRAVEL. Paytm HDFC Bank Credit Card offers 1% base rewards with bonuses on Paytm Recharges, Utilities,... and Other Paytm Spends. The better choice depends on your primary spending categories.
Can I have both 6E Rewards - IndiGo SBI Card and Paytm HDFC Bank Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. 6E Rewards - IndiGo SBI Card and Paytm HDFC Bank Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: 6E Rewards - IndiGo SBI Card or Paytm HDFC Bank 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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