6E Rewards - Indigo HDFC Bank Credit Card vs Ola Money SBI Visa Platinum Credit Card: Which is Better in 2026?
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In short: both charge a 3.5% forex markup.
| Key facts | HDFC 6E Rewards - Indigo | Ola Money SBI |
|---|---|---|
| Annual fee | ₹500 | Not listed |
| Joining fee | ₹500 | Not listed |
| Annual fee waived | Not listed | On ₹1 lakh annual spend |
| Top reward rate | 2.5 6E Rewards Per ₹100 Spends on Indigo | 7% Reward Points On All Ola Rides |
| Base rewards | 1 6E Rewards Per ₹100 | 1% Rewards On All Spends |
| 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, Ola Money SBI returns about ₹2,700 more a year (₹6,000 vs ₹3,300 in rewards).
| Spend profile | HDFC 6E Rewards - Indigo | Ola Money SBI |
|---|---|---|
| Reward value: top rate / base rate | 2.5% / 1% | 7% / 1% |
| ₹20,000 a month, all general spends | ₹2,400 | ₹2,400 |
| ₹20,000 a month, ₹5,000 of it at each card's top rate | ₹3,300 | ₹6,000 |
| Annual fee | ₹500 | Not in our data |
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).
Ola Money Sbi Visa Platinum 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.
Last updated:
| Feature | 6E Rewards - Indigo Hdfc Bank Credit Card | Ola Money Sbi Visa Platinum Credit Card |
|---|---|---|
| Bank | HDFC Bank | SBI Cards |
| Network | MasterCard | Visa |
| Joining fee | Joining Fee of Rs.500 | — |
| Annual / renewal fee | Renewal Fee of Rs. 500 | No Annual Fees - First Year Free |
| Annual fee waiver | — | Spend Rs.1 Lakhs For Waiver of Renewal Fee |
| Top reward rate | Earn 2.5 6E Rewards Per Rs.100 Spends on Indigo | Earn 7% Reward Points On All Ola Rides |
| Base rate (other spends) | Earn 1 6E Rewards Per Rs.100 | Earn 1% Rewards On All Spends |
| Fuel surcharge waiver | — | 1% Fuel Surcharge Waiver |
| Welcome benefit | Get 1 Complimentary Flight Ticket Worth Rs.1500 | — |
| Foreign currency markup | 3.5% - Foreign Currency Transactions | 3.5% - Foreign Currency Transactions |
Which is better for rewards?
Ola Money Sbi Visa Platinum Credit Card shows a higher headline earn signal in the reward summaries we index (Earn 7% Reward Points On All Ola Rides vs Earn 2.5 6E Rewards Per Rs.100 Spends on Indigo). 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?
Renewal fee wording differs between issuers, so compare the “Annual / renewal fee” row directly: 6E Rewards - Indigo Hdfc Bank Credit Card — Renewal Fee of Rs. 500 Ola Money Sbi Visa Platinum Credit Card — No Annual Fees - First Year Free Then read waiver rules; a higher published fee can still be cheaper net if you usually clear spend-based waivers.
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 Ola Money Sbi Visa Platinum Credit Card?
Consider Ola Money Sbi Visa Platinum Credit Card if you already bank with SBI Cards, 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: —. Ola Money Sbi Visa Platinum Credit Card — domestic: —; international: —. Guest rules, networks and visit caps change — confirm on the HDFC Bank and SBI Cards websites before you travel.
We could not parse both renewal fees reliably from our benefit feed for this pair. Compare the “Annual / renewal fee” row in the table above, then confirm on the HDFC Bank and SBI Cards websites.
On the first reward band we surface, Ola Money Sbi Visa Platinum Credit Card shows a stronger headline earn (Earn 7% Reward Points On All Ola Rides 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. Ola Money Sbi Visa Platinum Credit Card: Spend Rs.1 Lakhs For Waiver of Renewal Fee Spend thresholds and anniversary rules change; confirm the latest T&Cs.
6E Rewards - Indigo Hdfc Bank Credit Card: 3.5% - Foreign Currency Transactions Ola Money Sbi Visa Platinum 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 SBI Cards websites.
6E Rewards - Indigo Hdfc Bank Credit Card: Get 1 Complimentary Flight Ticket Worth Rs.1500 Ola Money Sbi Visa Platinum Credit Card: Not in our extract. Welcome campaigns are time-bound — verify eligibility and fulfilment on the HDFC Bank and SBI Cards websites.