Which card has the lower annual fee?

HDFC 6E Rewards Credit Card has the lowest annual fee at ₹500.

Which card earns more on moderate spend?

Standard Chartered Ultimate Credit Card leads with an estimated ₹3,760/yr net annual value on moderate spend.

Which card has the lower income requirement?

HDFC 6E Rewards Credit Card lists a minimum monthly income of ₹25,000.

Does this comparison pull my credit score?

No. CardHungry estimates net value from public fee and reward rules only — no bureau check.

Side-by-side · honest numbers

HDFC 6E Rewards Credit Card vs Standard Chartered Ultimate Credit Card

Honest side-by-side comparison of HDFC 6E Rewards Credit Card, Standard Chartered Ultimate Credit Card — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.

At a glance (moderate spend)

Quick verdict: On moderate spend, Standard Chartered Ultimate Credit Card leads HDFC 6E Rewards Credit Card by about ₹3,380/yr in estimated net value.

HDFC 6E Rewards Credit Card vs Standard Chartered Ultimate Credit Card comparison table
Feature	HDFC 6E Rewards Credit Card HDFC Bank	Standard Chartered Ultimate Credit Card Standard Chartered
Fees & eligibility
Annual fee	₹500	₹5,000
Fee waiver threshold	Waived at ₹2,00,000/yr spend	No waiver published
Min income	₹25,000/mo	₹60,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	₹380/yr	₹3,760/yr
Travel	5 pts per ₹150 spend → ₹42/mo (₹500/yr)	5% cashback → ₹250/mo (₹3,000/yr)
Top reward rate	5X reward points	5%
Primary reward cap	No monthly cap published	₹5,000 eligible spend/mo
UPI rewards	Not supported (Visa/MC)	Not supported (Visa/MC)
Key exclusions	EMI · Fuel · Rent · Wallet	EMI · Fuel · Rent
Bonuses
Signup bonus	—	—

Frequently asked questions

Which card has the lower annual fee?: HDFC 6E Rewards Credit Card has the lowest annual fee at ₹500.
Which card earns more on moderate spend?: Standard Chartered Ultimate Credit Card leads with an estimated ₹3,760/yr net annual value on moderate spend.
Which card has the lower income requirement?: HDFC 6E Rewards Credit Card lists a minimum monthly income of ₹25,000.
Does this comparison pull my credit score?: No. CardHungry estimates net value from public fee and reward rules only — no bureau check.

Customize your spend

Change spend profile or swap cards — results update live below.

Card 1

HDFC 6E Rewards Credit Card

HDFC Bank

Card 2

Standard Chartered Ultimate Credit Card

Standard Chartered

Your adjusted comparison

Feature	HDFC BankPlatinum HDFC 6E Rewards Credit Card •••• •••• •••• 4242 Quick facts HDFC 6E Rewards Credit Card Top reward5X reward points Annual fee₹500 Min income₹25,000/mo Tap to flip back HDFC 6E Rewards Credit Card HDFC Bank	Standard CharteredPlatinum Standard Chartered Ultimate Credit Card •••• •••• •••• 4242 Quick facts Standard Chartered Ultimate Credit Card Top reward5% Annual fee₹5,000 Min income₹60,000/mo Tap to flip back Standard Chartered Ultimate Credit Card Standard Chartered
Fees & eligibility
Annual fee	₹500	₹5,000
Fee waiver threshold	Waived at ₹2,00,000/yr spend	No waiver published
Min income	₹25,000/mo	₹60,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	₹380/yr	₹3,760/yr
Travel	5 pts per ₹150 spend → ₹42/mo (₹500/yr)	5% cashback → ₹250/mo (₹3,000/yr)
Top reward rate	5X reward points	5%
Primary reward cap	No monthly cap published	₹5,000 eligible spend/mo
UPI rewards	Not supported (Visa/MC)	Not supported (Visa/MC)
Key exclusions	EMI · Fuel · Rent · Wallet	EMI · Fuel · Rent
Bonuses
Signup bonus	—	—

HDFC 6E Rewards Credit Card details →Standard Chartered Ultimate Credit Card details →

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At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More HDFC 6E Rewards Credit Card comparisons