6E Rewards - Indigo Hdfc Bank Credit Card vs Paytm Hdfc Bank Select 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 Credit Card, both cards offer unique benefits tailored to different spending habits. The 6E Rewards card focuses on travel rewards, particularly for Indigo flights, while the Paytm Select card emphasizes cashback across various categories, especially on the Paytm platform.
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 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.150000 For Renewal Fee Waiver |
| Reward rate (headline) | Earn 1 6E Rewards Per Rs.100 | — |
| Lounge — domestic | — | 8 Complimentary Airport Lounge Access Per Year |
| Lounge — international | — | — |
| Fuel surcharge waiver | — | — |
| Welcome benefit | Get 1 Complimentary Flight Ticket Worth Rs.1500 | — |
| 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, particularly for those who frequently travel with Indigo, as it offers higher reward points on Indigo spends and dining. In contrast, the Paytm HDFC Bank Select Credit Card provides cashback options across multiple platforms, but the overall reward structure is less focused compared to the travel-centric benefits of the 6E Rewards card.
Which is better for travel?
For travel enthusiasts, the 6E Rewards - Indigo HDFC Bank Credit Card stands out due to its travel-specific rewards and the complimentary flight ticket upon meeting certain spending criteria. The Paytm HDFC Bank Select Credit Card does not offer any travel-related benefits, making it less appealing for those looking to maximize travel rewards.
Which has lower effective cost?
The Paytm HDFC Bank Select Credit Card has a higher joining and renewal fee compared to the 6E Rewards card, but it offers a fee waiver upon spending a certain amount. This makes it potentially more cost-effective for those who can meet the spending requirement. In contrast, the 6E Rewards card has a straightforward fee structure without waivers, which may appeal to those who prefer simplicity.
Who should pick 6E Rewards - Indigo Hdfc Bank Credit Card?
Consider the 6E Rewards - Indigo HDFC Bank Credit Card if you frequently fly with Indigo and want to earn rewards specifically for travel-related expenses. This card is ideal for travelers who can benefit from the complimentary flight ticket and higher rewards on Indigo purchases.
Who should pick Paytm Hdfc Bank Select Credit Card?
Consider the Paytm HDFC Bank Select Credit Card if you are a regular user of the Paytm platform and prefer cashback on everyday purchases. This card is suitable for those who want to earn rewards across various categories, including food delivery and shopping, while also enjoying complimentary lounge access.
Frequently Asked Questions
The joining fee is Rs.500.
It offers 8 complimentary airport lounge accesses per year.
Both cards have a forex markup of 3.50% for foreign currency transactions.
Yes, it offers a renewal fee waiver if you spend Rs.150,000.