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

6E Rewards XL - IndiGo HDFC Bank Credit Card

Introduction

The 6E Rewards XL - IndiGo HDFC Bank Credit Card is a premium co-branded credit card launched in partnership between HDFC Bank and IndiGo, India’s largest airline. This card is designed for frequent domestic travelers, offering an enhanced reward program centered around 6E Reward Points. It provides a higher reward rate compared to its basic variant and comes with a membership fee. Cardholders can redeem their accumulated 6E Reward Points for various 6E Rewards benefits, primarily IndiGo flight tickets and other services.

Welcome Benefits

• Complimentary Flight Ticket Voucher: Receive one complimentary flight ticket voucher worth INR 3,000.
  • Eligibility: To avail this benefit, customers need to make a minimum of 3 transactions in each of the first 3 months starting from the card issuance date. The joining membership fee must be paid.
  • Customers holding a Lifetime Free/First Year Free card or those who received a fee reversal are not eligible.
  • Benefits can be availed on the IndiGo app.
  • Validity: The flight ticket voucher is valid for 6 months from the date posted.
• Complimentary 6E Prime Add-On: Get one complimentary 6E Prime Add-On worth INR 1,099.
  • This add-on includes Priority Check-in, choice of seat, and a complimentary meal, along with quicker baggage handling.
  • Eligibility: The customer must pay the joining membership fee.
  • Customers holding a Lifetime Free/First Year Free card or those who received a fee reversal are not eligible.
  • Benefits can be availed on the IndiGo app.
  • Validity: The 6E Prime Add-On is valid for 6 months from the date posted.
• Card Activation Requirement: To avail both welcome benefits, customers need to activate their card within 30 days from the card open date as per RBI guidelines.

Fees

• Joining Fee: INR 1,500 + Applicable Taxes.
  • For cards issued after 7th November 2022, the joining fee is INR 1,500 + Applicable Taxes.
  • For cards issued before 7th November 2022, the joining fee was INR 2,500 + Applicable Taxes.
  • The joining fee, if applicable, is levied on the 120th day of card issuance.
• Renewal Fee: INR 1,500 + Applicable Taxes.
  • The renewal fee is levied every year at the start of every anniversary year.
• Rewards Redemption Fee: Nil.
• Foreign Currency Markup: 2.5% on all foreign currency transactions.
• Interest Rates: 3.75% per month (45% annually) on the due balance in case of non-payment of the monthly bill in full by the payment due date.
• Cash Advance Charges: 2.5% of the withdrawn amount or INR 500, whichever is higher.
• Spend-Based Waiver: No information provided.
• Fuel Surcharge: No information provided regarding fuel surcharge benefits or fees.

Rewards

• Reward Rate: Earn 6E Rewards on various spends:
  • 5 6E Rewards per Rs. 100 spent on flight bookings on IndiGo App/Website (equivalent to 5%).
  • 3 6E Rewards per Rs. 100 spent on Grocery, Dining & Entertainment (equivalent to 3%).
    • Grocery spending has a capping of 2,000 Reward Points in a month, effective 1st April 2023.
  • 2 6E Rewards per Rs. 100 spent on all other transactions (equivalent to 2%).
  • 2% 6E Rewards on every INR 100 spent on fuel.
• Domestic Lounge Access: Enjoy 8 complimentary domestic airport lounge accesses per calendar year, with a maximum of 2 accesses per quarter.
  • This benefit applies to both primary and add-on cardholders under the Mastercard Lounge Program.
  • The list of eligible domestic lounges was updated effective 1st June 2023.
• International Lounge Access: The card does not offer any international airport lounge access.
• Golf Benefits: The card is associated with the Mastercard World Card India Golf Program, offering:
  • 12 complimentary golf lessons per year.
  • 4 complimentary rounds of green fees per year.
• Insurance Benefits: This card does not offer travel insurance benefits.
• Zero Lost Card Liability: In the unfortunate event of losing your 6E Rewards XL - IndiGo HDFC Bank Credit Card, on reporting it immediately to the 24-hour call center, you have zero liability on any fraudulent transactions made on your Credit Card. For transactions made prior to reporting the loss, the liability rests with the card member.
• Interest-Free Credit Period: Up to 50 days of interest-free period on your card from the date of purchase (subject to the submission of the charge by the merchant).
• Revolving Credit: Enjoy Revolving Credit on your card at a nominal interest rate. Refer to the Fees and Charges section for more details.
• Mastercard Offers & Benefits: Enjoy a range of exciting offers and benefits curated by Mastercard across categories like Golf, travel, dining, and shopping. More information can be found on specials.priceless.com.
• Smart EMI: The card comes with an option to convert big spends into EMIs after purchase.
• Contactless Payment: The card is enabled for contactless payments, facilitating fast, convenient, and secure payments at retail outlets.
  • In India, contactless payments are allowed for a maximum of ₹5,000 for a single transaction without a PIN. For amounts higher than or equal to ₹5,000, the cardholder must enter the Credit Card PIN for security reasons.
• Transactions not eligible for Rewards: No 6E Rewards will be awarded for transactions such as wallet loads, gift or prepaid card loads, voucher purchases, cash advances, payment of outstanding balances, payment of card fees and other charges, Smart EMI, Dial an EMI, Easy EMI transactions, and payments for government and rental services.

Rewards Redemption Guide

• Redemption Process:
  • 6E Rewards earned in a calendar month will be transferred to your IndiGo account at the end of every month.
  • Rewards will be posted in the IndiGo account within up to 60 days from the calendar month end.
  • Visit the IndiGo website (www.goindigo.in) and log in using your registered mobile number and password.
  • Rewards can only be redeemed through the IndiGo account on flight bookings and 6E Add-ons & services.
• Value of 6E Rewards: 1 6E Reward = INR 1.
• Validity of 6E Rewards: 6E Rewards are valid for 2 years (24 months) starting from the month in which the rewards were posted. They expire thereafter.
• Redemption Fees: 6E Rewards redemption will carry a service or redemption fee and applicable taxes in accordance with Government regulations.
• Important Note: 6E Rewards and IndiGo BluChip Accounts are managed separately. To use Vouchers, Credit Shell & 6E Rewards, visit www.goindigo.in. 6E Rewards can only be redeemed on the specified IndiGo website link.

Card Eligibility Criteria

For Salaried Indian Nationals

• Age: Minimum 21 years & Maximum 60 years.
• Income: Gross Monthly Income > INR 1,20,000.

For Self-Employed Indian Nationals

• Age: Minimum 21 years & Maximum 65 years.
• Income: ITR (Income Tax Returns) > INR 14.4 Lakhs per annum.

Card Review

The 6E Rewards XL - IndiGo HDFC Bank Credit Card is highly suitable for individuals who frequently travel domestically, especially with IndiGo Airlines. It stands out as one of the top travel credit cards for its co-branded benefits and enhanced reward rates on IndiGo flights, dining, grocery, and entertainment. The inclusion of 8 complimentary domestic airport lounge visits annually significantly enhances the travel experience, making it particularly appealing for regular flyers. While it carries an annual membership fee of ₹1,500, the value provided through welcome benefits (complimentary flight ticket and 6E Prime Add-On) and ongoing rewards can easily offset this cost for frequent users.

Pros

• You get 8 complimentary domestic airport lounge visits with this card (2 per quarter). This applies to both primary and add-on cardholders.
• A complimentary flight ticket worth ₹3,000 as a welcome benefit.
• Attractive reward rates, including up to 5% on IndiGo spends.
• Zero lost card liability provides security.
• Offers like Smart EMI and contactless payments add convenience.

Cons

• This card does not offer travel insurance benefits.
• You won’t get access to any international airport lounges with this card.
• Grocery spends are capped at 2,000 Reward Points per month.
• Some users have reported difficulties in redeeming reward points.

Important Product Details

• One complimentary flight ticket voucher worth INR 3,000 as a welcome benefit.
• One complimentary 6E Prime Add-On worth INR 1,099 (Priority check-in, choice of seat, complimentary meal, quicker baggage).
• Earn 5 6E Rewards (5%) on IndiGo flight bookings via the IndiGo App/Website.
• Earn 3 6E Rewards (3%) on dining, grocery, and entertainment (with a monthly capping of 2,000 RP on grocery spends).
• Earn 2 6E Rewards (2%) on all other spends and fuel.
• 8 complimentary domestic airport lounge accesses per calendar year (2 per quarter) under the Mastercard Lounge Program.
• The card levies a foreign currency markup fee of 2.5%.
• No international lounge access is provided.
• 6E Rewards are valid for 2 years from the date of posting and are redeemable for IndiGo flight tickets and add-ons.
• Joining/Renewal fee is INR 1,500 + Applicable Taxes.
• Zero lost card liability ensures security against fraudulent transactions post-reporting.

Other Details

• Credit Limit: The credit limit for the 6E Rewards XL IndiGo HDFC Credit Card is determined by the applicant's credit score (CIBIL score) and income (as per ITR/salary slips). Typically, the credit limit ranges from two to three times the cardholder's monthly earnings.
• Bill Payment: HDFC 6E Rewards XL IndiGo Credit Card bills can be paid through various channels including the HDFC mobile app, HDFC Internet Banking, Billdesk, or via third-party applications like CRED or CheQ.