6E Rewards - Indigo HDFC Bank Credit Card vs SBI Card Prime Visa Signature Credit Card: Which is Better in 2026?
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In short: HDFC 6E Rewards - Indigo has the lower annual fee (₹500 vs ₹2,999); both charge a 3.5% forex markup.
| Key facts | HDFC 6E Rewards - Indigo | SBI Prime |
|---|---|---|
| Annual fee | ₹500 | ₹2,999 |
| Joining fee | ₹500 | Not listed |
| Annual fee waived | Not listed | On ₹3 lakh annual spend |
| Lounge access | Not listed | 8 airport lounge visits a year |
| 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 Sbi Card Prime Visa Signature Credit Card cater to different user needs with distinct reward structures and fee models. The 6E Rewards card focuses on travel-related rewards, especially with Indigo flights, while the SBI Card Prime offers accelerated points on everyday spends like groceries and dining along with premium lounge access. Both cards charge a 3.5% forex markup fee but differ significantly in annual fees and welcome benefits.
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 | Sbi Card Prime Visa Signature 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 | Annual Fee of Rs.2999 |
| Annual fee waiver | — | Spend Rs.3 Lakhs For Waiver of Renewal Fee |
| Reward rate (headline) | Earn 1 6E Rewards Per Rs.100 | Earn 2 Reward Points per Rs.100 |
| Lounge — domestic | — | 8 Complimentary Airport Lounge Access Per Calendar Year |
| Lounge — international | — | Enjoy 4 Complimentary International Lounge Visits |
| Welcome benefit | Get 1 Complimentary Flight Ticket Worth Rs.1500 | Welcome E-Gift Voucher Rs.3000 |
| Foreign currency markup | 3.5% - Foreign Currency Transactions | 3.5% - Foreign Currency Transactions |
Which is better for rewards?
When it comes to rewards, the SBI Card Prime Visa Signature Credit Card provides higher accelerated points on categories such as departmental stores, groceries, dining, and movies, with 10 reward points per Rs. 100 spent, plus a special birthday benefit. In contrast, the 6E Rewards card offers focused rewards on Indigo flights and related categories but at lower point accrual rates. Therefore, SBI Card Prime is better suited for users seeking versatile and higher reward points on everyday spending.
Which is better for travel?
The 6E Rewards card is travel-centric, offering 2.5 6E Rewards points per Rs. 100 spent on Indigo flights and a complimentary flight ticket worth Rs. 1500 as a welcome benefit. However, it lacks any complimentary lounge access. On the other hand, SBI Card Prime provides both domestic and international airport lounge access (8 domestic and 4 international visits annually), which enhances the travel experience. For frequent flyers who value lounge access, SBI Card Prime offers more comprehensive travel perks despite the 6E Rewards card's Indigo-specific advantages.
Which has lower effective cost?
The 6E Rewards card has a much lower joining and renewal fee of Rs. 500 each, with no stated fee waiver conditions, making it more accessible for users with lower annual spends. SBI Card Prime charges a higher annual fee of Rs. 2999 but offers a waiver if you spend Rs. 3 lakhs annually. Considering this, the 6E Rewards card is more cost-effective for moderate spenders or beginners, while SBI Card Prime suits users who can meet the spend threshold to justify the higher fee through benefits and fee waivers.
Reward Redemption and Validity
The 6E Rewards points can be redeemed specifically for Indigo flights with a validity of 2 years, making it a focused option for frequent Indigo travelers. SBI Card Prime's reward points redemption details are not fully available here and should be checked on the issuer's site for comprehensive information.
Milestone Benefits
SBI Card Prime offers milestone benefits such as e-gift vouchers worth Rs. 7000 on annual spends of Rs. 5 lakhs and quarterly vouchers like a Pizza Hut e-voucher worth Rs. 1000 on spends of Rs. 50,000. The 6E Rewards card does not provide any milestone benefits, which may be a consideration for high spenders.
Who should pick 6E Rewards - Indigo Hdfc Bank Credit Card?
Consider 6E Rewards - Indigo Hdfc Bank Credit Card if you are an Indigo flyer looking for targeted rewards on airline spends and want a credit card with a low joining and renewal fee. It's also suitable for users who prefer a simple fee structure without the need to meet high spend thresholds for fee waivers.
Who should pick Sbi Card Prime Visa Signature Credit Card?
Consider Sbi Card Prime Visa Signature Credit Card if you want a credit card with strong rewards on everyday categories like groceries, dining, and movies, plus premium travel benefits such as domestic and international lounge access. This card is ideal for higher spenders who can utilize the fee waiver by spending Rs. 3 lakhs annually and want a richer welcome benefit.
Frequently Asked Questions
6E Rewards - Indigo Hdfc Bank Credit Card charges Rs. 500 as joining and renewal fees with no stated waiver. SBI Card Prime Visa Signature Credit Card charges an annual fee of Rs. 2999, which is waived if you spend Rs. 3 lakhs in a year.
SBI Card Prime offers 10 reward points per Rs. 100 spent on dining and groceries, which is higher than the 6E Rewards card that offers 2 6E Rewards points per Rs. 100 spent in these categories.
SBI Card Prime provides 8 complimentary domestic and 4 international lounge visits annually. The 6E Rewards card does not offer any complimentary lounge access.
Both cards charge a forex markup fee of 3.5% on foreign currency transactions.
6E Rewards card offers a complimentary Indigo flight ticket worth Rs. 1500 as a welcome benefit. SBI Card Prime offers a welcome e-gift voucher worth Rs. 3000.
No, the 6E Rewards card does not provide any milestone or quarterly benefits.