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Side-by-Side Comparison|Updated March 2026

6E Rewards - IndiGo SBI Card vs SBI Card - SimplyCLICK SBI 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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SBI Card

SBI Card - SimplyCLICK SBI Card

7.5/10
Annual Fee₹499
Base Rewards0.0625%
NetworkVisa
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Feature-by-Feature Comparison

Feature6E Rewards - IndiGo SBI CardSBI Card - SimplyCLICK SBI Card
Annual Fee₹500₹499
Joining Fee₹500₹499
Fee Waiver SpendN/A₹1,00,000
Base Reward Rate1%0.0625%
Reward Currency6E RewardsReward Points
NetworkMastercardVisa
Editor Rating7.8/107.5/10
Forex Markup3.5%3.5%

Accelerated Rewards

6E Rewards - IndiGo SBI Card

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

SBI Card - SimplyCLICK SBI Card

  • 0% on Partner Brands
  • 0% on All Other Online Spends

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

SBI Card - SimplyCLICK SBI Card

Pros

  • 10X reward points (2.5% value back) on online partners like Amazon, Apollo 24x7, BookMyShow, Cleartrip, Domino's, Myntra, Netmeds, and Yatra.
  • 5X reward points (1.25% value back) on all other online spends, making it highly effective for digital shoppers.
  • Milestone e-vouchers worth ₹2,000 each on reaching annual online spend targets of ₹1 Lakh and ₹2 Lakh.
  • Low annual fee of ₹499 which is waived on annual spends of ₹1 Lakh.

Cons

  • No complimentary domestic or international airport lounge access.
  • Low base reward rate of 0.25% on offline transactions.
  • Reward points are not earned on rent payments, fuel, and wallet loads.

Our Verdict

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

High reward rates on major e-commerce platforms and partner brands.

Frequently Asked Questions

Which is better: 6E Rewards - IndiGo SBI Card or SBI Card - SimplyCLICK SBI Card?
6E Rewards - IndiGo SBI Card edges ahead overall with a stronger combination of rewards and value. However, SBI Card - SimplyCLICK 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 SBI Card - SimplyCLICK SBI Card?
6E Rewards - IndiGo SBI Card has an annual fee of ₹500, while SBI Card - SimplyCLICK SBI Card has an annual fee of ₹499. SBI Card - SimplyCLICK SBI Card offers a fee waiver on ₹1,00,000 annual spend.
Which card has better rewards: 6E Rewards - IndiGo SBI Card or SBI Card - SimplyCLICK SBI Card?
6E Rewards - IndiGo SBI Card offers a base reward rate of 1% with accelerated rewards on IndiGo - TRAVEL and TRAVEL. SBI Card - SimplyCLICK SBI Card offers 0.0625% base rewards with bonuses on Partner Brands and All Other Online Spends. The better choice depends on your primary spending categories.
Can I have both 6E Rewards - IndiGo SBI Card and SBI Card - SimplyCLICK SBI Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. 6E Rewards - IndiGo SBI Card and SBI Card - SimplyCLICK SBI Card can complement each other if they cover different reward categories.
Which card is better for beginners: 6E Rewards - IndiGo SBI Card or SBI Card - SimplyCLICK SBI Card?
For beginners, SBI Card - SimplyCLICK SBI Card may be more approachable with a lower annual fee of ₹499. However, evaluate based on your expected spending pattern rather than fee alone.

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