6E Rewards IndiGo HDFC Bank Credit Card
Travel
Co-branded
Reward Points
1st Year Fee: ₹500* Plus Applicable Taxes
Co-branded Bonus
Free IndiGo ticket of Rs. 1,500 on joining
Travel
2.6% value-back on IndiGo flight bookings
Rewards
Up to 2% rewards on non-co branded spends
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About 6E Rewards IndiGo HDFC Credit Card
HDFC 6E Rewards IndiGo Credit Card is a co-branded travel card which offers decent benefits on IndiGo bookings, along with rewards on other spends. A decent option for frequent travellers who are loyal to IndiGo airlines, but want a travel credit card that comes at a low annual fee. The rewards program of this HDFC credit card is the focal point among its features with accelerated value-back of 2.6% on co-branded spends and 2% on grocery, dining and entertainment spends. Moreover, the accrued reward points can later be redeemed for IndiGo flight bookings in 1:1 ratio which further adds to its appeal for IndiGo loyalists. The welcome benefit is also a major attraction, approximately worth 5 times its joining fee – a rare occurrence for a low annual fee card – but this is only available in the first membership year. However, there are no milestone benefits or complimentary lounge access offered to the card users. Though consumers also have the option to choose 6E Rewards XL IndiGo HDFC Credit Card, which is an upgraded version of this card, for better rewards and lounge access benefits.
Rewards Program
On every Rs. 100 spent, HDFC IndiGo credit card offers 6E Rewards as follows –
- 2.5 6E Rewards: On flight bookings made on IndiGo web or app
- 2 6E Rewards: On dining, grocery and entertainment spends
- 1 6E Reward: On other spends1
Redemption Value2: 1 6E Reward = Rs. 1
Rewards Validity: 2 years from the date of posting on the IndiGo account
Redemption Options: Redeemable against flight bookings through IndiGo website or app
Other Features & Benefits
- Welcome Benefits
1 flight ticket voucher worth Rs. 1,500: On joining fee payment with making min. 3 transactions in each of the first 3 months from card issuance date
1 6E Prime Add-On worth Rs. 1,099: On joining fee payment and offers services like complimentary meal, priority check-in and choice of seat
- Mastercard Offers
HDFC IndiGo credit cards on Mastercard network come with exclusive offers across spending categories, like travel, shopping, dining and many more.
- Lost Card Liability Cover:
Zero liability of IndiGo cardholders on any fraudulent card transactions made in case they lose their cards and report it to the HDFC 24-hour call centre immediately.
IndiGo HDFC Credit Card: Fees & Charges
| Particulars | Amount | ||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Joining/Annual Fee | Rs. 500 + applicable taxes | ||||||||||||||||||
| Finance Charges | 3.75% per month (45% per annum) | ||||||||||||||||||
| Late Payment Charges |
|
Things to Know Before you apply
Get this card if:
You are a frequent traveller and loyal to IndiGo airlines for your travel bookings
You want a co-branded travel credit card, but at a low annual fee
You are looking for a card that offers decent rewards on card spends, including fuel, insurance and utility categories which are generally excluded from credit card rewards program
Eligibility Criteria:
Age: 21 to 65 years (up to 60 years for salaried)
Occupation: Salaried or Self-employed
Min. Income: >Rs. 50,000 p.m. for salaried & >Rs. 7.2 lakh ITR for self-employed
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What do we like about this card?
6E Rewards IndiGo HDFC Credit Card despite being a low-annual fee card offers a good rewards program with accelerated savings on IndiGo bookings, dining, grocery and entertainment spends. The earned rewards can later be redeemed against IndiGo air tickets at a great redemption ratio of 1:1. The welcome benefits on 1st year fee payment are another highlight as the card users get a complimentary flight ticket worth Rs. 1,500 and 6E Prime Add-on service worth Rs. 1,099. These benefits make it a good budget card option for frequent travellers.
Pros
- Up to 2.6% value-back as 6E Rewards on card spends, including generally excluded categories like fuel, insurance and utility payments
- 1:1 rewards redemption ratio
- Welcome benefit worth up to Rs. 2,599 as free air ticket and complimentary services under free 6E Prime Add-on
Cons
- No complimentary airport lounge access or milestone bonus
- Rewards redemption limited to just IndiGo flight bookings
Footnotes
- Excluding spends made on cash advances, wallet/gift/prepaid card loads, vouchers, outstanding balance payment, card fees and charges, Smart EMI, Dial an EMI, Easy EMI, rent, government payments, property management services and third-party apps like CRED, PayTM, Cheq, MobiKwik, Freecharge, etc.
- A redemption fee of Rs. 200 is applicable per person
Click here to know More Terms and Conditions
Lepakshi Phogat
Lepakshi is a content writer specialising in personal finance and credit cards. She translates complex financial concepts into practical advice, helping readers make informed financial decisions. Whether it is helping them choose the right credit card or offering strategies to build their credit score, she writes to make personal finance less intimidating and more empowering.
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