6E Rewards Xl- 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 Xl- Indigo Hdfc Bank Credit Card and the Paytm Hdfc Bank Select Business Credit Card, both offer distinct benefits tailored to different spending habits. The former focuses on travel rewards, particularly for Indigo flights, while the latter provides cashback benefits on various platforms, making it suitable for business and everyday purchases.
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 Xl- 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.1500 | Joining Fee of Rs.1000 |
| Annual / renewal fee | Renewal Fee of Rs.1500 | Renewal Fee of Rs.1000 |
| Annual fee waiver | — | Spend Rs.60000 For First Year Fee Waiver |
| Reward rate (headline) | Earn 2 6E Rewards Per Rs.100 | — |
| Lounge — domestic | 8 Complimentary Airport Lounge Access Per Calendar Year | 12 Complimentary Airport Lounge Access Per Calendar Year |
| Lounge — international | — | — |
| Fuel surcharge waiver | — | — |
| Welcome benefit | Get 1 Complimentary Flight Ticket Worth Rs.3000 | Activation Benefits - Enjoy Rs.500 Worth Gift Voucher |
| Milestone benefit | — | — |
| Foreign currency markup | 2.5% - Foreign Currency Transactions | 3.50% - Foreign Currency Transactions |
Which is better for rewards?
The 6E Rewards Xl- Indigo Hdfc Bank Credit Card is better for rewards, especially for those who frequently travel with Indigo or spend on entertainment, dining, and groceries. It offers multiple reward points for specific categories, enhancing the value for travel enthusiasts. In contrast, the Paytm Hdfc Bank Select Business Credit Card provides cashback options, but its rewards structure is less versatile compared to the Indigo card.
Which is better for travel?
For travel benefits, the 6E Rewards Xl- Indigo Hdfc Bank Credit Card stands out due to its focus on Indigo flights, offering a complimentary flight ticket as a welcome benefit. Additionally, it provides rewards specifically for travel-related spending, making it ideal for frequent flyers. The Paytm Hdfc Bank Select Business Credit Card does not emphasize travel rewards, making it less appealing for those prioritizing travel perks.
Which has lower effective cost?
In terms of effective cost, the Paytm Hdfc Bank Select Business Credit Card has a lower joining and renewal fee compared to the 6E Rewards Xl- Indigo Hdfc Bank Credit Card. Moreover, it offers a fee waiver upon spending a certain amount in the first year, which may appeal to budget-conscious users. The Indigo card, while offering more rewards, comes with higher fees and no fee waiver options.
Who should pick 6E Rewards Xl- Indigo Hdfc Bank Credit Card?
Consider 6E Rewards Xl- Indigo Hdfc Bank Credit Card if you frequently travel with Indigo Airlines or spend significantly on entertainment, dining, and groceries. Its robust rewards program is tailored for those who prioritize travel and enjoy earning points for their everyday spending.
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 with lower fees and cashback benefits on various platforms like Paytm, Uber, and BigBasket. This card is suitable for users who want to maximize their savings on everyday purchases and prefer a straightforward cashback structure.
Frequently Asked Questions
The 6E Rewards Xl- Indigo Hdfc Bank Credit Card has a joining and renewal fee of Rs.1500, while the Paytm Hdfc Bank Select Business Credit Card has a joining and renewal fee of Rs.1000.
Yes, the Paytm Hdfc Bank Select Business Credit Card offers a fee waiver if you spend Rs.60000 in the first year. The 6E Rewards Xl- Indigo Hdfc Bank Credit Card does not have a fee waiver option.
You can earn 3 6E Rewards per Rs.100 spent on entertainment, dining, groceries, and 5 6E Rewards per Rs.100 spent on Indigo flights.
The Paytm Hdfc Bank Select Business Credit Card offers 5% cashpoints on purchases made on Paytm, and 3% cashpoints on platforms like Ajio, BigBasket, Uber, and Swiggy, with a cap on maximum cashpoints per month.