vs
In short: SBI Paytm has the lower annual fee (₹499 vs ₹1,500); HDFC 6E Rewards Xl- Indigo has the lower forex markup (2.5% vs 3.5%).
| Key facts | HDFC 6E Rewards Xl- Indigo | SBI Paytm |
|---|---|---|
| Annual fee | ₹1,500 | ₹499 |
| Joining fee | ₹1,500 | ₹499 |
| Top reward rate | 5 6E Rewards Per ₹100 Spends on Indigo | 3% Cashback on Paytm Mall |
| Base rewards | 2 6E Rewards Per ₹100 | Not in our data |
| Lounge access | 8 airport lounge visits a year | Not listed |
| Forex markup | 2.5% | 3.5% |
From issuer benefit data, checked 4 Nov 2026. Milestones, welcome benefits and caps are in the full table below.
The 6E Rewards Xl- Indigo Hdfc Bank Credit Card is tailored for frequent Indigo flyers and offers accelerated 6E Rewards points on Indigo spends along with domestic lounge access. The Paytm Sbi Card focuses on cashback benefits primarily on Paytm platforms, including Paytm Mall, Movies, and Travel, and comes with a complimentary Paytm First membership. Both cards have joining and renewal fees but differ in forex charges and reward structures.
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 Sbi Card |
|---|---|---|
| Bank | HDFC Bank | SBI Cards |
| Network | MasterCard | Visa |
| Joining fee | Joining Fee of Rs.1500 | Joining Fee of Rs.499 |
| Annual / renewal fee | Renewal Fee of Rs.1500 | Renewal Fee of Rs.499 |
| Top reward rate | Earn 5 6E Rewards Per Rs.100 Spends on Indigo | Get 3% Cashback on Paytm Mall |
| Base rate (other spends) | Earn 2 6E Rewards Per Rs.100 | — |
| Lounge — domestic | 8 Complimentary Airport Lounge Access Per Calendar Year | — |
| Fuel surcharge waiver | — | 1% Fuel Surcharge Waiver |
| Welcome benefit | Get 1 Complimentary Flight Ticket Worth Rs.3000 | Enjoy Complimentary Paytm First Membership |
| Milestone benefit | — | Get e-Voucher For Renewal of Paytm First Membership on Spends of Rs.100000 |
| Foreign currency markup | 2.5% - Foreign Currency Transactions | 3.5% - Foreign Currency Transactions |
For rewards, the 6E Rewards Xl- Indigo card offers a top rate of 5 6E Rewards per Rs.100 spent on Indigo and 3 rewards on dining, entertainment, and grocery, with a base rate of 2 rewards per Rs.100 spent. Its points can be redeemed at Rs.1 per point for Indigo flights, making it valuable for travelers loyal to Indigo. The Paytm Sbi Card provides cashback up to 3% on Paytm Mall, Movies, and Travel, with a base cashback of 1% on Paytm stores. While the Paytm card’s cashback is straightforward, the 6E Rewards card’s higher reward rates on travel and lifestyle categories make it more rewarding for diversified spenders, especially those who fly Indigo frequently.
Travel benefits favor the 6E Rewards Xl- Indigo card due to its 8 complimentary domestic airport lounge accesses per year and a welcome benefit of a complimentary flight ticket worth Rs.3000. The Paytm Sbi Card offers 3% cashback on Paytm Travel spends and a complimentary Paytm First membership, which enhances travel bookings and entertainment options on Paytm. Additionally, the Indigo card’s rewards are directly tied to Indigo flights, making it more attractive for frequent flyers of that airline.
The Paytm Sbi Card has a lower joining and renewal fee of Rs.499 compared to Rs.1500 for the 6E Rewards Xl- Indigo card, making it more cost-effective upfront. However, the 6E Rewards card’s forex markup is 2.5%, which is lower than the Paytm card’s 3.5%, benefiting international travelers. Neither card lists an annual fee waiver or milestone fee waiver explicitly, but the Paytm card offers an e-voucher for Paytm First membership renewal upon spending Rs.100,000 annually, adding some value. Overall, the Paytm card is more beginner-friendly and budget-conscious, while the Indigo card’s higher fees are offset by travel perks and rewards.
The Paytm Sbi Card offers a 1% fuel surcharge waiver, which can provide savings on petrol purchases. The 6E Rewards card does not list a fuel surcharge waiver but offers 2% 6E Rewards on every Rs.100 spent on fuel, capped at 500 rewards. This makes the Paytm card slightly better for direct fuel cost savings, while the Indigo card rewards fuel spends indirectly.
For international transactions, the 6E Rewards Xl- Indigo card charges a forex markup of 2.5%, which is lower than the Paytm Sbi Card’s 3.5%. This makes the Indigo card more cost-effective for foreign currency spends.
The Paytm Sbi Card provides an annual milestone benefit of an e-voucher for Paytm First membership renewal upon spending Rs.100,000 in a membership year. The 6E Rewards card does not list milestone benefits in our data, so users looking for milestone rewards may find the Paytm card more rewarding in this aspect.
Consider 6E Rewards Xl- Indigo Hdfc Bank Credit Card if you frequently fly Indigo and want to maximize rewards on Indigo spends, dining, entertainment, and groceries. This card is better suited for travelers who value complimentary domestic lounge access and a welcome flight ticket voucher. If you are comfortable with a higher joining and renewal fee and want lower forex charges, this card offers strong travel-centric benefits and rewards.
Consider Paytm Sbi Card if you primarily shop on Paytm platforms and want straightforward cashback benefits with a lower joining and renewal fee. This card is ideal for users who want cashback on Paytm Mall, Movies, and Travel, along with a complimentary Paytm First membership. If you prefer a card with a modest fee and fuel surcharge waiver, and you are a frequent Paytm user, this card fits well.
The 6E Rewards Xl- Indigo card offers 5 6E Rewards per Rs.100 spent on Indigo flights and includes 8 complimentary domestic lounge accesses, making it more rewarding for travel spenders compared to the Paytm Sbi Card, which offers 3% cashback on Paytm Travel spends.
The Paytm Sbi Card provides a 1% fuel surcharge waiver across all petrol pumps. The 6E Rewards Xl- Indigo card does not list a fuel surcharge waiver but offers 2% rewards on fuel spends.
The 6E Rewards Xl- Indigo card has a joining and renewal fee of Rs.1500 each, while the Paytm Sbi Card charges Rs.499 for both joining and renewal.
Yes, the 6E Rewards Xl- Indigo card offers a complimentary flight ticket worth Rs.3000 as a welcome benefit. The Paytm Sbi Card provides complimentary Paytm First membership.
The 6E Rewards Xl- Indigo card charges a forex markup of 2.5%, which is lower than the Paytm Sbi Card’s 3.5%, making it more cost-effective for foreign currency transactions.
The Paytm Sbi Card offers an annual milestone benefit of an e-voucher for Paytm First membership renewal on spends of Rs.100,000. The 6E Rewards Xl- Indigo card does not list milestone benefits in our data.