HDFC Bank6E Rewards XL – IndiGo HDFC Bank Credit Card – Benefits, Fees & Eligibility
Is the 6E Rewards XL – IndiGo HDFC Bank Credit Card Right for You?
The 6E Rewards XL – IndiGo HDFC Bank Credit Card is best suited for users who prioritize Travel, Fuel, Dining, Shopping. With a joining fee of ₹1,500 + Applicable Taxes and a renewal fee of ₹1,500 + Applicable Taxes, this card is positioned for cardholders who can maximize its benefits to justify the cost. It offers Air Miles & Travel Points as its primary reward mechanism, with a rewards rate of Earn 5% 6E Rewards on IndiGo spends, 3% on dining, grocery, and entertainment (capped at 2,000 points per statement period), 2% on fuel, and 2% on all other spends..
Key Card Details
₹1,500 + Applicable Taxes
₹1,500 + Applicable Taxes
Air Miles & Travel Points
2.5% of the transaction amount
Notable Perks
Domestic Lounge Access
Enjoy 8 complimentary domestic airport lounge visits per calendar year (maximum 2 per quarter) for both primary and add-on cardholders under the MasterCard Lounge Program.
International Lounge Access
Not offered.
Insurance Coverage
No travel insurance benefits are offered with this card.
Dining Benefits
Earn 3% 6E Rewards on dining spends, subject to a maximum capping of 2,000 points per statement period. Also includes dining privileges with the Good Food Trail Program at premium restaurants.
Golf Benefits
Receive 12 complimentary golf lessons and 4 complimentary rounds of green fees each year through the Mastercard World Card India Golf Program.
Things to Consider
The card has been discontinued, and HDFC Bank is no longer accepting new applications.
The 6E Rewards program is phasing out, with points converting to IndiGo BluChip, whose value may vary.
Does not offer international airport lounge access or travel insurance benefits.
Benefits & Features
Welcome Offer
Enjoy one complimentary flight ticket worth ₹3,000 and a 6E Prime Add-On (priority check-in, choice of seat, complimentary meal, quicker baggage), provided the joining fee is realized. Benefits are valid for six months from voucher issuance.
Rewards Rate
Earn 5% 6E Rewards on IndiGo spends, 3% on dining, grocery, and entertainment (capped at 2,000 points per statement period), 2% on fuel, and 2% on all other spends.
Reward Type
Air Miles & Travel Points
Reward Redemption
6E Rewards are redeemable on the IndiGo website or app for flight tickets and 6E Add-ons & services. 1 6E Reward Point = ₹1. Points are valid for 24 months from accrual. Unutilized 6E Rewards will auto-convert to IndiGo BluChip from November 1, 2025.
Domestic Lounge Access
Enjoy 8 complimentary domestic airport lounge visits per calendar year (maximum 2 per quarter) for both primary and add-on cardholders under the MasterCard Lounge Program.
International Lounge Access
Not offered.
Premium Benefits
Receive 12 complimentary golf lessons and 4 complimentary rounds of green fees each year through the Mastercard World Card India Golf Program.
Insurance Coverage
No travel insurance benefits are offered with this card.
Dining Benefits
Earn 3% 6E Rewards on dining spends, subject to a maximum capping of 2,000 points per statement period. Also includes dining privileges with the Good Food Trail Program at premium restaurants.
Travel Benefits
Earn 5% 6E Rewards on IndiGo spends. Welcome benefits include a complimentary flight ticket worth ₹3,000 and a 6E Prime Add-On for enhanced travel experience.
Fees & Charges
Joining Fee
₹1,500 + Applicable Taxes
Renewal Fee
₹1,500 + Applicable Taxes
Foreign Currency Markup
2.5% of the transaction amount
Interest Rates
3.75% per month (45% annually) on revolving credit. Up to 50 days of interest-free credit from the date of purchase.
Cash Advance Charges
2.5% of the withdrawn amount or ₹500, whichever is higher
Rewards Redemption Fee
₹99 + applicable taxes
Pros & Cons
Pros
Key benefits and features of this card.
High reward rate of up to 5% on IndiGo spends and 3% on dining, grocery, and entertainment.
Significant welcome benefits including a complimentary flight ticket worth ₹3,000 and a 6E Prime Add-On.
Provides 8 complimentary domestic airport lounge visits annually, enhancing travel comfort.
Offers comprehensive golf benefits, including lessons and complimentary rounds of green fees.
Features Zero Cost Liability, protecting against fraudulent transactions if reported promptly.
Cons
Key drawbacks and limitations of this card.
The card has been discontinued, and HDFC Bank is no longer accepting new applications.
The 6E Rewards program is phasing out, with points converting to IndiGo BluChip, whose value may vary.
Does not offer international airport lounge access or travel insurance benefits.
A redemption fee of ₹99 + applicable taxes is charged for redeeming 6E Rewards points.
Some user feedback indicates potential difficulties or complexities in redeeming reward points.
Product Details
Complimentary 6E Prime Add-On as a welcome benefit, offering priority check-in, choice of seat, a complimentary meal, and quicker baggage.
Earn up to 5% 6E Rewards on IndiGo spends, 3% on dining, grocery, and entertainment, and 2% on all other spends.
Enjoy 8 complimentary domestic airport lounge visits per calendar year (2 per quarter) via the MasterCard Lounge Program.
Benefit from Zero Cost Liability for fraudulent transactions reported immediately to HDFC Bank.
The card is enabled for contactless payments for improved purchase experience.
Manage your credit card, track spends, and view/redeem reward points effortlessly via HDFC Bank MyCards.
Convert large transactions into SmartEMI after purchase.
Access dining privileges with the Good Food Trail Program at premium restaurants.
Benefits & Features
Welcome Offer
Enjoy one complimentary flight ticket worth ₹3,000 and a 6E Prime Add-On (priority check-in, choice of seat, complimentary meal, quicker baggage), provided the joining fee is realized. Benefits are valid for six months from voucher issuance.
Rewards Rate
Earn 5% 6E Rewards on IndiGo spends, 3% on dining, grocery, and entertainment (capped at 2,000 points per statement period), 2% on fuel, and 2% on all other spends.
Reward Type
Air Miles & Travel Points
Reward Redemption
6E Rewards are redeemable on the IndiGo website or app for flight tickets and 6E Add-ons & services. 1 6E Reward Point = ₹1. Points are valid for 24 months from accrual. Unutilized 6E Rewards will auto-convert to IndiGo BluChip from November 1, 2025.
Domestic Lounge Access
Enjoy 8 complimentary domestic airport lounge visits per calendar year (maximum 2 per quarter) for both primary and add-on cardholders under the MasterCard Lounge Program.
International Lounge Access
Not offered.
Premium Benefits
Receive 12 complimentary golf lessons and 4 complimentary rounds of green fees each year through the Mastercard World Card India Golf Program.
Insurance Coverage
No travel insurance benefits are offered with this card.
Dining Benefits
Earn 3% 6E Rewards on dining spends, subject to a maximum capping of 2,000 points per statement period. Also includes dining privileges with the Good Food Trail Program at premium restaurants.
Travel Benefits
Earn 5% 6E Rewards on IndiGo spends. Welcome benefits include a complimentary flight ticket worth ₹3,000 and a 6E Prime Add-On for enhanced travel experience.
What matters, explained clearly
Introduction
The 6E Rewards XL – IndiGo HDFC Bank Credit Card was a premium co-branded offering from HDFC Bank and IndiGo, India’s largest airline, designed for frequent domestic travelers. Positioned as a top-tier travel credit card, it aimed to reward loyal IndiGo flyers with accelerated 6E Reward Points, complimentary flight tickets, and valuable travel perks. However, HDFC Bank has discontinued this card, and new applications are no longer being accepted. Existing cardholders can continue to use their cards and benefits until October 31, 2025, or until a replacement card is issued.
This card was particularly well-suited for individuals who frequently traveled domestically with IndiGo, offering a robust rewards program that translated directly into flight benefits. Its key differentiating features included a generous welcome bonus, a high reward rate on IndiGo