6E Rewards - Indigo HDFC Bank Credit Card vs Bank Of Baroda Premier Visa Credit Card: Which is Better in 2026?
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In short: HDFC 6E Rewards - Indigo has the lower annual fee (₹500 vs ₹1,000); both charge a 3.5% forex markup.
| Key facts | HDFC 6E Rewards - Indigo | BOB Premier |
|---|---|---|
| Annual fee | ₹500 | ₹1,000 |
| Joining fee | ₹500 | ₹1,000 |
| Annual fee waived | Not listed | On ₹1.2 lakh annual spend |
| Lounge access | Not listed | 1 airport lounge visit a quarter |
| Forex markup | 3.5% | 3.5% |
From issuer benefit data, checked 22 Oct 2026. Rewards, milestones and welcome benefits are in the full table below.
The 6E Rewards - Indigo Hdfc Bank Credit Card and the Bank Of Baroda Premier Visa Credit Card both offer travel-related rewards but cater to slightly different user preferences. The 6E Rewards card is tailored for frequent Indigo flyers with rewards focused on Indigo spends and dining, while the Bank Of Baroda Premier card provides broader travel and dining rewards along with lounge access. Both cards have similar forex markup fees but differ in joining fees, lounge benefits, and reward structures.
Comparison notes and quick badges use AI, grounded in the benefit data shown in the table. Confirm details on each issuer’s site.
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| Feature | 6E Rewards - Indigo Hdfc Bank Credit Card | Bank Of Baroda Premier Visa Credit Card |
|---|---|---|
| Bank | HDFC Bank | Bank Of Baroda |
| Network | MasterCard | Visa |
| Joining fee | Joining Fee of Rs.500 | Joining Fee of Rs.1000 |
| Annual / renewal fee | Renewal Fee of Rs. 500 | Annual Fee of Rs.1000 |
| Annual fee waiver | — | Spend Rs.120000 For Annual Fee Waiver |
| Reward rate (headline) | Earn 1 6E Rewards Per Rs.100 | Earn 2 Reward Point per Rs.100 |
| Lounge — domestic | — | 1 Complimentary Airport Lounge Access Per Quarter |
| 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?
Both cards offer accelerated rewards in travel and dining categories, but their reward points systems differ. The 6E Rewards card provides 6E Rewards points with higher accrual rates on Indigo spends and dining, and a unique redemption opportunity for Indigo flight tickets. The Bank Of Baroda Premier card offers 5X points on travel and dining, with a welcome bonus of 500 points on spending Rs. 5000. Overall, rewards value depends on user spending patterns, especially if Indigo travel is a priority.
Which is better for travel?
For travel benefits, the 6E Rewards card is more specialized, offering 2.5 6E Rewards per Rs.100 spent on Indigo flights and a complimentary flight ticket worth Rs.1500 as a welcome benefit. The Bank Of Baroda Premier card, meanwhile, provides 1 complimentary domestic airport lounge access per quarter and 5X reward points on travel, which may appeal to frequent travelers seeking lounge access and higher travel rewards across various airlines. The 6E Rewards card is better suited for Indigo loyalists, whereas the Bank Of Baroda card offers more general travel perks.
Which has lower effective cost?
The 6E Rewards card has a lower joining and renewal fee of Rs. 500 each with no explicit fee waiver mentioned. The Bank Of Baroda Premier card charges Rs. 1000 for joining and renewal but offers an annual fee waiver on spending Rs. 120,000. Both cards have a 3.5% forex markup fee. Considering fee waivers and lounge benefits, the Bank Of Baroda card may justify its higher fee for frequent users, while the 6E Rewards card is more economical for moderate spenders.
Lounge Access Benefits
The Bank Of Baroda Premier Visa Credit Card offers 1 complimentary domestic airport lounge access per quarter, enhancing travel comfort. The 6E Rewards card does not provide any lounge access benefits, making the Baroda card preferable for users who prioritize airport lounge usage.
Reward Redemption Focus
6E Rewards points can be redeemed specifically for Indigo flight tickets, providing targeted value for Indigo flyers. In contrast, Bank Of Baroda Premier points can be redeemed for cashback, offering more flexible redemption but less airline-specific value.
Who should pick 6E Rewards - Indigo Hdfc Bank Credit Card?
Consider 6E Rewards - Indigo Hdfc Bank Credit Card if you frequently fly with Indigo and want to maximize rewards on Indigo spends along with dining and entertainment. It is also suitable if you prefer a lower joining fee and value a complimentary Indigo flight ticket as a welcome benefit. This card is ideal for users looking for a travel-focused card with specific airline rewards.
Who should pick Bank Of Baroda Premier Visa Credit Card?
Consider Bank Of Baroda Premier Visa Credit Card if you want a broader travel rewards card with benefits like complimentary domestic lounge access and accelerated points on travel and dining. It is a good choice if you can meet the Rs. 120,000 annual spend to waive the fee and want versatile rewards redeemable for cashback. This card suits frequent travelers who value lounge access and flexible reward redemption options.
Frequently Asked Questions
The 6E Rewards - Indigo Hdfc Bank Credit Card has a joining fee of Rs. 500, while the Bank Of Baroda Premier Visa Credit Card charges Rs. 1000.
Only the Bank Of Baroda Premier Visa Credit Card offers lounge access, providing 1 complimentary domestic airport lounge visit per quarter. The 6E Rewards card does not offer lounge access.
Both cards charge a forex markup fee of 3.5% on foreign currency transactions.
Yes, the 6E Rewards card offers a complimentary Indigo flight ticket worth Rs.1500 as a welcome benefit, while the Bank Of Baroda Premier card provides 500 reward points on spending Rs. 5000.
The Bank Of Baroda Premier Visa Credit Card offers an annual fee waiver if you spend Rs. 120,000 in a year. No fee waiver details are mentioned for the 6E Rewards card.
The 6E Rewards - Indigo Hdfc Bank Credit Card is better suited for Indigo frequent flyers due to higher reward points on Indigo spends and a complimentary flight ticket welcome benefit.