6E Rewards – IndiGo HDFC Bank Credit Card – Benefits, Fees & Eligibility

6E Rewards – IndiGo HDFC Bank Credit Card

Introduction

The 6E Rewards IndiGo HDFC Bank Credit Card is a co-branded credit card offering exclusive benefits and rewards in collaboration with IndiGo. Issued with a joining fee of ₹500 plus applicable taxes, this card provides reward points for spending, with extra rewards on IndiGo tickets. Cardholders earn 1% 6E Rewards on all other spends, 2% 6E Rewards on dining, entertainment, and groceries, and 2.5% 6E Rewards on IndiGo flight bookings. Additionally, cardholders can receive a complimentary IndiGo flight ticket voucher upon meeting specific transaction criteria within the first three months of card issuance.

Welcome Benefits

• Complimentary Flight Ticket Voucher: Receive 1 complimentary flight ticket voucher worth ₹1,500.
  • Eligibility: Customer must make a minimum of 3 transactions in each of the first 3 months starting from the card issue date AND pay the joining membership fee. This benefit is not applicable if the customer holds a Lifetime Free/First Year Free card or has received a fee reversal.
  • Redemption: Benefits can be availed on the IndiGo app.
  • Validity: The voucher is valid for 6 months from the date posted.
  • This benefit is only offered to the primary cardholder.
• Complimentary 6E Prime Add-On: Get 1 complimentary 6E Prime Add-On worth ₹1,099, which includes Priority check-in, choice of seat, and a complimentary meal.
  • Eligibility: Customer must pay the joining membership fee. This benefit is not applicable if the customer holds a Lifetime Free/First Year Free card or has received a fee reversal.
  • Redemption: Benefits can be availed on the IndiGo app.
  • Validity: The add-on is valid for 6 months from the date posted.
• Card Activation Requirement: To avail the welcome benefits, the customer needs to activate the card within 30 days from the card open date.

Fees

• Joining/Renewal Membership Fee: ₹500 + Applicable Taxes.
  • For cards issued before 7th November 2022, the joining fee was ₹700 + Applicable Taxes, but the renewal fee will be ₹500 + Applicable Taxes.
  • Joining Fees are levied on the 120th day of card issuance.
  • Renewal Fees are levied every year at the start of every anniversary year.
  • The renewal fee for this card cannot be waived.
• Rewards Redemption Fee: ₹200 + GST.
• Foreign Currency Markup: 3.5% on all foreign currency transactions.
• Interest Rates: 3.75% Per Month (45% Annually).
• Fuel Surcharge: No Waiver Applicable.
• Cash Advance Charges: 2.5% of the amount withdrawn, subject to a minimum charge of ₹500.
• Spend-Based Waiver: Not Applicable.
• Revolving Credit: Available at a nominal interest rate.

Rewards

• IndiGo Flight Bookings: Earn 2.5 6E Rewards per ₹100 spent on flight bookings on the IndiGo App/Website. This is equivalent to 2.5% 6E Rewards.
• Grocery, Dining & Entertainment: Earn 2 6E Rewards per ₹100 spent on Grocery, Dining & Entertainment. This is equivalent to 2% 6E Rewards.
  • Grocery Capping: Grocery spends have a capping of 2000 Reward Points (RP) in a month, effective 1st April 2023.
  • Additional Rewards Capping: The additional 2% 6E Rewards earned for grocery, entertainment, and dining spends are capped at ₹50,000 per billing cycle.
• Fuel Spends: Earn 1% 6E Rewards on every ₹100 spent on fuel. This is capped at 250 6E Rewards per month.
• All Other Spends: Earn 1 6E Reward per ₹100 on all other spends. This is equivalent to 1% 6E Rewards.
• Maximum Monthly Rewards: A maximum of 25,000 6E Rewards can be earned in a statement cycle.
• Rewards Exclusions: Spends on the following categories will not be eligible for reward earning:
  • Wallet loads, gift or prepaid card loads, and voucher purchases.
  • Cash advances.
  • Payment of outstanding balances.
  • Payment of card fees and other charges.
  • Smart EMI, Dial an EMI, and Easy EMI transactions.
  • Government and rental payment transactions.
• Lounge Access: No complimentary domestic or international lounge access is offered.
• Golf Benefits: No specific golf benefits are mentioned.
• Insurance Benefits: No specific insurance benefits are mentioned.

Rewards Redemption Guide

• Reward Value: 1 6E Reward = ₹1.
• Transfer to IndiGo Account: 6E Rewards earned in a calendar month will be transferred to your IndiGo account at the end of every month. The rewards will be posted in the IndiGo account in up to 60 days from the calendar month end.
• Redemption Platform: Rewards can only be redeemed through the IndiGo account on flight bookings and 6E Add-ons & services. Visit the IndiGo website and log in using your registered mobile number and password to redeem.
• Validity: 6E Rewards are valid for 2 years starting from the month in which the rewards were posted.
• Redemption Fee: 6E Rewards redemption will carry a service or redemption fee of ₹200 + GST, and applicable taxes in accordance with Government regulations.
• Account Management: 6E Rewards and IndiGo BluChip Accounts are managed separately.

Card Eligibility Criteria

• For Salaried Indian National:
  • Age: Minimum 21 years & Maximum 60 years.
  • Gross Monthly Income: Greater than ₹50,000.
• For Self-Employed Indian National:
  • Age: Minimum 21 years & Maximum 65 years.
  • Income: ITR Greater than ₹7.2 Lakhs per annum.

Card Review

The 6E Rewards – IndiGo HDFC Bank Credit Card is an excellent choice for individuals who frequently travel with IndiGo. It offers a strong rewards program with accelerated earnings on IndiGo flight bookings (2.5% 6E Rewards), dining, entertainment, and groceries (2% 6E Rewards), and a base rate of 1% 6E Rewards on all other spends. The value of 1 6E Reward equals ₹1, making redemptions against IndiGo air tickets quite beneficial. The welcome benefits, including a complimentary flight ticket voucher and a 6E Prime Add-On, further enhance its value proposition.

Pros

• Provides a complimentary IndiGo ticket voucher worth ₹1,500.
• Offers rewards on fuel transactions, at 1% 6E Rewards on every ₹100 spent, though with a monthly cap.

Cons

• Does not offer any complimentary access to domestic or international lounges.
• While it offers rewards on fuel purchases, it does not provide a waiver for fuel surcharges, which can reduce the overall benefit for fuel spends.

Best Suited For

• Travel
• Fuel
• Reward Type: Air Miles

Important Product Details

• Earn 2.5 6E Rewards per ₹100 spent on IndiGo ticket bookings.
• Earn 2 6E Rewards per ₹100 spent on Dining, Groceries, and Entertainment.
• Earn 1 6E Reward per ₹100 on all other spends.
• Welcome benefits include 1 complimentary 6E Prime Add-on and 1 complimentary IndiGo air ticket of ₹1,500 (upon meeting transaction criteria).
• Foreign Currency Markup: 3.5% on all foreign currency transactions.
• Zero Lost Card Liability: In the event of losing your card, reporting it immediately to the 24-hour call centre ensures zero liability on any fraudulent transactions.
• Interest Free Credit Period: Enjoy up to 50 days of interest-free credit from the date of purchase (subject to the submission of the charge by the merchant).
• Revolving Credit: Available at nominal interest rates.
• Mastercard Offers & Benefits: Access a range of exciting offers curated by Mastercard across travel, dining, shopping, and more.
• Smart EMI: Option to convert big spends into EMI after purchase.
• Contactless Payments: Enabled for fast, convenient, and secure retail payments. Contactless payments are allowed for a maximum of ₹5,000 for a single transaction without a Credit Card PIN in India. For transactions equal to or higher than ₹5,000, the PIN is required.

Other Details

• Customer Care: For any queries related to this credit card, you may contact customer care at the 24x7 helpline numbers: 1860 267 6161 or 61606161 (prefix STD code). To reach customer care when abroad, dial 022 61606160.