HDFC 6E Rewards Indigo XL Credit Card vs ICICI Emirates Skywards Sapphiro Credit Card: premium cards compared
HDFC 6E Rewards Indigo XL Credit Card costs ₹2,500 a year to keep; ICICI Emirates Skywards Sapphiro Credit Card costs ₹5,000. On most spends, HDFC 6E Rewards Indigo XL Credit Card returns about 2.00% and ICICI Emirates Skywards Sapphiro Credit Card about 1.27%. Lounge visits: HDFC 6E Rewards Indigo XL Credit Card gives 8 a year in India and None abroad; ICICI Emirates Skywards Sapphiro Credit Card gives 2 a year and 2 a year. The income needed to apply is ₹12,00,000 a year for HDFC 6E Rewards Indigo XL Credit Card and ₹18,00,000 for ICICI Emirates Skywards Sapphiro Credit Card.
| HDFC 6E Rewards Indigo XL Credit Card | ICICI Emirates Skywards Sapphiro Credit Card | |
|---|---|---|
| Issuer | HDFC Bank | ICICI Bank |
| Network | Mastercard | Visa |
| Joining fee | ₹2,500 | ₹5,000 |
| Annual fee | ₹2,500 | ₹5,000 |
| Base return on spends | 2.00% | 1.27% |
| Domestic lounges | 8 a year | 2 a year |
| International lounges | None | 2 a year |
| Minimum income | ₹12,00,000 a year | ₹18,00,000 a year |
| Best for | travel, dining, grocery, entertainment | travel |
How to read this
Fees, lounge access and eligibility come from each issuer's own documents. The base return is what most everyday spends earn after converting points to rupees, before category bonuses and caps. Qrates takes no commission from any issuer.
Full pages: HDFC 6E Rewards Indigo XL Credit Card · ICICI Emirates Skywards Sapphiro Credit Card · Find a card for your spending
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