6E Rewards - Indigo Hdfc Bank Credit Card vs Paytm Hdfc Bank Select Business Credit Card: Which is Better in 2026?
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When comparing the 6E Rewards - Indigo HDFC Bank Credit Card and the Paytm HDFC Bank Select Business Credit Card, users should consider their spending habits and the types of rewards they value most. The former focuses on travel-related rewards, particularly for Indigo flights, while the latter offers cashback on various platforms, making it suitable for different spending preferences.
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 | Paytm Hdfc Bank Select Business Credit Card |
|---|---|---|
| Bank | HDFC Bank | HDFC Bank |
| Network | MasterCard | Visa |
| Joining fee | Joining Fee of Rs.500 | Joining Fee of Rs.1000 |
| Annual / renewal fee | Renewal Fee of Rs. 500 | Renewal Fee of Rs.1000 |
| Annual fee waiver | — | Spend Rs.60000 For First Year Fee Waiver |
| Reward rate (headline) | 1% 6E Rewards on Every Rs.100 Spent on Fuel | — |
| Lounge — domestic | — | 12 Complimentary Airport Lounge Access Per Calendar Year |
| Lounge — international | — | — |
| Fuel surcharge waiver | — | — |
| Welcome benefit | Get 1 Complimentary Flight Ticket Worth Rs.1500 | Activation Benefits - Enjoy Rs.500 Worth Gift Voucher |
| Milestone benefit | — | — |
| Foreign currency markup | 3.5% - Foreign Currency Transactions | 3.50% - Foreign Currency Transactions |
Which is better for rewards?
The 6E Rewards - Indigo HDFC Bank Credit Card is better for rewards, especially for those who frequently travel with Indigo Airlines, as it offers multiple reward points on Indigo spends and entertainment. In contrast, the Paytm HDFC Bank Select Business Credit Card provides cashback on various platforms, but its overall reward structure is less focused on travel.
Which is better for travel?
For travel enthusiasts, the 6E Rewards - Indigo HDFC Bank Credit Card is the superior choice due to its travel-specific rewards and complimentary flight ticket upon meeting spending criteria. The Paytm HDFC Bank Select Business Credit Card does not emphasize travel rewards, making it less appealing for those looking to maximize travel benefits.
Which has lower effective cost?
The Paytm HDFC Bank Select Business Credit Card has a higher joining and renewal fee compared to the 6E Rewards - Indigo HDFC Bank Credit Card. However, it offers a fee waiver for spending a certain amount in the first year, which may appeal to users who can meet that threshold. The 6E Rewards card, while lower in fees, does not provide a fee waiver option.
Lounge Access
The Paytm HDFC Bank Select Business Credit Card offers 12 complimentary domestic airport lounge accesses per calendar year, which can be a significant perk for frequent travelers. The 6E Rewards card does not provide any lounge access benefits.
Cashback vs Rewards
While the 6E Rewards card focuses on earning reward points, the Paytm HDFC Bank Select Business Credit Card emphasizes cashback, providing 5% cashpoints on Paytm purchases and 3% on select platforms. This distinction may influence which card is more beneficial based on individual spending habits.
Who should pick 6E Rewards - Indigo Hdfc Bank Credit Card?
Consider 6E Rewards - Indigo HDFC Bank Credit Card if you are a frequent traveler with Indigo Airlines and prefer to earn rewards on travel-related expenses. This card is particularly beneficial for those who enjoy dining and entertainment as well.
Who should pick Paytm Hdfc Bank Select Business Credit Card?
Consider Paytm HDFC Bank Select Business Credit Card if you are looking for a card that offers cashback on everyday purchases, especially if you frequently use Paytm and other listed platforms. This card may also be advantageous for business users seeking to maximize their cashback on various retail spends.
Frequently Asked Questions
The joining fee for the 6E Rewards - Indigo HDFC Bank Credit Card is Rs.500, while for the Paytm HDFC Bank Select Business Credit Card, it is Rs.1000.
Yes, the Paytm HDFC Bank Select Business Credit Card offers 12 complimentary domestic airport lounge accesses per calendar year, while the 6E Rewards card does not provide any lounge access.
Both cards have a forex markup fee of 3.5% on foreign currency transactions.
The Paytm HDFC Bank Select Business Credit Card offers a fee waiver if you spend Rs.60000 in the first year, while the 6E Rewards card does not have a fee waiver option.