6E Rewards - Indigo HDFC Bank Credit Card vs Bank Of Baroda Easy Visa Credit Card: Which is Better in 2026?
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In short: both charge a ₹500 annual fee; both charge a 3.5% forex markup.
| Key facts | HDFC 6E Rewards - Indigo | BOB Easy |
|---|---|---|
| Annual fee | ₹500 | ₹500 |
| Joining fee | ₹500 | ₹500 |
| Annual fee waived | Not listed | On ₹35,000 annual spend |
| Top reward rate | 2.5 6E Rewards Per ₹100 Spends on Indigo | 5X Reward Points on Movies |
| Base rewards | 1 6E Rewards Per ₹100 | 1 Reward Point per ₹100 |
| Forex markup | 3.5% | 3.5% |
From issuer benefit data, checked 25 Oct 2026. Milestones, welcome benefits and caps are in the full table below.
What you'd earn in a year
On ₹20,000 a month with ₹5,000 at each card's top rate, HDFC 6E Rewards - Indigo returns about ₹2,340 more a year after annual fees (₹3,300 vs ₹960 in rewards).
| Spend profile | HDFC 6E Rewards - Indigo | BOB Easy |
|---|---|---|
| Reward value: top rate / base rate | 2.5% / 1% | 1% / 0.2% |
| ₹20,000 a month, all general spends | ₹2,400 | ₹480 |
| ₹20,000 a month, ₹5,000 of it at each card's top rate | ₹3,300 | ₹960 |
| Annual fee | ₹500 | ₹500 |
Estimates from the earn rates above, with stated cashback caps applied, before exclusions. Reward points are valued at the card's best listed redemption (often travel or vouchers via the bank's portal); cash-back on the statement is usually worth less. Annual fees may be waived on spend (see the table below).
Bank Of Baroda Easy Visa Credit Card shows a stronger headline earn rate in the first reward band we surface. Always confirm current fees and offers on the issuer’s site before you apply.
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| Feature | 6E Rewards - Indigo Hdfc Bank Credit Card | Bank Of Baroda Easy Visa Credit Card |
|---|---|---|
| Bank | HDFC Bank | Bank Of Baroda |
| Network | MasterCard | Visa |
| Joining fee | Joining Fee of Rs.500 | Joining Fee of Rs.500 |
| Annual / renewal fee | Renewal Fee of Rs. 500 | Annual Fee of Rs.500 |
| Annual fee waiver | — | Spend Rs.35000 For Annual Fee Waiver |
| Top reward rate | Earn 2.5 6E Rewards Per Rs.100 Spends on Indigo | 5X Reward Points on Movies |
| Base rate (other spends) | Earn 1 6E Rewards Per Rs.100 | Earn 1 Reward Point per Rs.100 |
| Fuel surcharge waiver | — | 1% Fuel Surcharge Waiver |
| Welcome benefit | Get 1 Complimentary Flight Ticket Worth Rs.1500 | Earn 500 Reward points As Welcome Benefit on the Spends of Rs.5000 |
| Foreign currency markup | 3.5% - Foreign Currency Transactions | 3.5% - Foreign Currency Transactions |
Which is better for rewards?
6E Rewards - Indigo Hdfc Bank Credit Card shows a higher headline earn signal in the reward summaries we index (Earn 2.5 6E Rewards Per Rs.100 Spends on Indigo vs 5X Reward Points on Movies). If you optimise for points or cashback on daily spend, start with that card’s reward bands — then model redemptions you actually use.
Which is better for travel?
Neither card clearly dominates on lounge data in our automated parse — or both are similarly strong. Use the lounge rows in the table and your own travel pattern (domestic vs international) to break the tie.
Which has lower effective cost?
Headline renewal fees are effectively the same in our extract (about ₹500 per year for each card, before waivers). The real difference is often waiver rules and how much you spend—use the waiver row and your own spend pattern to estimate net cost.
Who should pick 6E Rewards - Indigo Hdfc Bank Credit Card?
Consider 6E Rewards - Indigo Hdfc Bank Credit Card if you already bank with HDFC Bank, and the fee, waiver and earn rows above line up with how you spend each month. Use CardChat on that card for deeper, personalised follow-ups.
Who should pick Bank Of Baroda Easy Visa Credit Card?
Consider Bank Of Baroda Easy Visa Credit Card if you already bank with Bank Of Baroda, and the fee, waiver and earn rows above line up with how you spend each month. Use CardChat on that card for deeper, personalised follow-ups.
Frequently Asked Questions
From the lounge fields in our benefit data: 6E Rewards - Indigo Hdfc Bank Credit Card — domestic: —; international: —. Bank Of Baroda Easy Visa Credit Card — domestic: —; international: —. Guest rules, networks and visit caps change — confirm on the HDFC Bank and Bank Of Baroda websites before you travel.
From the renewal-fee lines we index, the headline amounts are about ₹500 vs ₹500 per year before taxes and waivers. Campaigns and customer-specific pricing differ — use the comparison table and the HDFC Bank and Bank Of Baroda websites for the final number.
On the first reward band we surface, Bank Of Baroda Easy Visa Credit Card shows a stronger headline earn (5X Reward Points on Movies vs Earn 2.5 6E Rewards Per Rs.100 Spends on Indigo). Category bonuses, caps and redemption value decide real-world returns — map this to where you actually spend.
6E Rewards - Indigo Hdfc Bank Credit Card: Waiver wording not in our benefit extract — check HDFC Bank. Bank Of Baroda Easy Visa Credit Card: Spend Rs.35000 For Annual Fee Waiver Spend thresholds and anniversary rules change; confirm the latest T&Cs.
6E Rewards - Indigo Hdfc Bank Credit Card: 3.5% - Foreign Currency Transactions Bank Of Baroda Easy Visa Credit Card: 3.5% - Foreign Currency Transactions Lower published foreign-currency markup is usually better for overseas and foreign-currency online spend; confirm the live rate and exclusions on the HDFC Bank and Bank Of Baroda websites.
6E Rewards - Indigo Hdfc Bank Credit Card: Get 1 Complimentary Flight Ticket Worth Rs.1500 Bank Of Baroda Easy Visa Credit Card: Earn 500 Reward points As Welcome Benefit on the Spends of Rs.5000 Welcome campaigns are time-bound — verify eligibility and fulfilment on the HDFC Bank and Bank Of Baroda websites.