By Rajat Gaur
Updated On September 18, 2021

HDFC bank launched two cobranded credit cards in collaboration with IndiGo, India’s largest airline and MasterCard in March 2020- The 6E Rewards and the 6E Rewards XL cards. The XL variant is the more premium variant and offers a higher reward rate and also comes with a higher membership fee of Rs. 2,500. As a limited period offer, the bank is also offering a zero membership fee variant of the 6E Rewards XL – IndiGo HDFC Bank Credit Card; with that variant, however, you have to forgo the welcome benefits and the milestone benefit that come with the card. This is the first time that IndiGo Airlines has come up with a Reward Program for their customers. You earn reward points as 6E Rewards which can be redeemed for 6E Rewards’ benefits on IndiGo including IndiGo flight tickets. If you’re a frequent domestic flyer, this card is certainly worth consideration. Read on to know more.

6E Rewards XL Indigo HDFC Bank Credit Card

Best Suited For

Travel |

Joining Fee

Rs. 2,500 plus applicable taxes (zero fee variant also available as a limited period offer)

Reward Type

Reward Points |

Product Details

  • 1 Complimentary 6E Prime Add-On as a Welcome Benefit (Priority check-in, choice of seat, a complimentary meal & quicker baggage).
  • 1 complimentary IndiGo air ticket (worth Rs. 3,000) on making 3 or more transactions in each of the first three months of card issuance (provided that the annual fee of Rs. 2,500 is realized).
  • Welcome gift vouchers from merchants like Nissin Noddles, Budweiser (worth Rs. 250 each), and Samsonite-or American Tourister (worth Rs. 500).
  • Reward Points as IndiGo 6E Rewards.
  • 5% 6E Rewards on IndiGo.
  • 3% 6E Rewards on dining, grocery, and entertainment spends.
  • 2% 6E Rewards on all other spends.
  • Up to 15% 6E Rewards on IndiGo featured partners.
  • Discounted Convenience Fee on IndiGo tickets (discount of Rs.100 per passenger).
  • 8 Complimentary Domestic Lounge Access per calendar year (2 per quarter) under the MasterCard Lounge Program.

Rewards and Benefits

Welcome Benefits

1 Complimentary 6E Prime Add-On, 1 complimentary air ticket worth Rs. 3,000, Welcome vouchers from merchants like Nissin Noddles, Budweiser worth Rs. 250 each and Samsonite-or American Tourister worth Rs. 500.

Movie & Dining

3% 6E Rewards on Dining spends, discount at premium restaurants across major cities under the Good Food Trail Dining Program, 10% off additionally.

Rewards Rate

5% 6E Rewards on IndiGo, 3% 6E Rewards on dining, grocery and entertainment, and 2% 6E Rewards on all other spends.

Reward Redemption

The IndiGo 6E rewards are redeemable for 6E Rewards’ Benefits including IndiGo flight tickets (1 6E Reward Point = Re. 1).

Travel

Complimentary domestic lounge access

Golf

N/A

Domestic Lounge Access

8 complimentary domestic lounge access per year (max 2 per quarter) only on paid variant.

International Lounge Access

N/A

Insurance Benefits

N/A

Zero Liability Protection

Cardholder not liable for any fraudulent transaction made using the card post reporting the loss of card within 24 hours

Fees & Charges

Joining Fee

Rs. 2,500 plus applicable taxes (zero fee variant also available as a limited period offer)

Renewal Fee

Rs. 2,500 plus applicable taxes (zero fee variant also available as a limited period offer)

Spend based Waiver

N/A

Rewards Redemption Fee

Nil

Rewards Redemption Fee

Nil

Foreign Currency Markup

2.5% (plus applicable taxes)

Interest Rates

3.6% per month (43.2% annually)

Fuel Surcharge

1% fuel surcharge waiver (min transaction of Rs. 400 required, max waiver capped at Rs. 500 per statement cycle)

Cash Advance Charge

2.5% of the withdrawn amount, subject to a minimum charge of Rs. 500.

Add-on Card Fee

Nil

6E Rewards XL – IndiGo HDFC Bank Credit Card Welcome Benefits:

  • 1 Complimentary 6E Prime Add-On (Priority check-in, choice of seat, a complimentary meal and quicker baggage), provided that the joining fee is realized.
  • Welcome vouchers from merchants including Samsonite-or American Tourister (worth Rs. 500), Nissin Noddles and Budweiser (worth Rs. 250 each).
  • Welcome benefits are available only to the customers opting for the paid variant of the card.

6E Rewards XL – IndiGo HDFC Bank Credit Card Rewards:

  • 5% 6E Rewards on IndiGo purchases.
  • 3% 6E Rewards on grocery, dining and entertainment.
  • 2% 6E rewards on all other spends.
  • Up to 15% 6E Rewards on IndiGo featured partners.
  • The 6E Rewards are valid for 24 months (2 years) from the date of accrual.
  • Discounted convenience fee on IndiGo tickets (Rs. 100 discount per passenger).

Reward Redemption:

The Reward Points earned as 6E Rewards redeemable on the IndiGo 6E portal for 6E Rewards’ Benefits including IndiGo flights.

Milestone Benefits:

1 Complimentary IndiGo air ticket worth Rs.3,000 on making 3 or more transactions in each of the first three months after card issuance. This benefit is applicable only if the membership fee is paid.

6E Rewards XL – IndiGo HDFC Bank Credit Card Travel Benefits:

  • 5% 6E Rewards on IndiGo flights.
  • Complimentary domestic lounge access under the MasterCard lounge program.

Dining Benefits:

  • 3% 6E Rewards on Dining spends.
  • Discount at premium restaurants across major cities under the Good Food Trail Dining Program.
  • A 10% additional discount on dining.

Airport Lounge Access:

  • 8 complimentary domestic lounge access (max 2 per quarter) with the MasterCard Lounge Program.
  • You don’t get any international lounge access with this card.
  • Lounge benefit applicable for the paid variant only.

Fuel Surcharge Waiver:

1% fuel surcharge is waived at all fuel stations across India.

Zero Cost Liability:

Cardholder not liable for any unauthorized transaction made post the time of reporting the loss of card. However, for transactions made prior to the time of reporting, the liability lies solely with the cardmember.

Difference between the paid and the free variant:

As mentioned earlier, as a limited period offer, HDFC is giving you the option to get the annual membership fee waived off on the 6E Rewards XL credit card. However, if you opt for the free variant, you have to forego a few benefits that you get with the paid version. You do not get the complimentary air ticket (worth Rs. 3,000),  6E Prime add-ons (worth Rs. 899) and complimentary domestic lounge access with the free variant of this card.

6E Rewards XL – IndiGo HDFC Bank Credit Card Eligibility:

Age Income
Salaried Applicants 21-60 Years Gross Monthly Income more than Rs. 1,20,000
Self-employed Applicants 21-65 Years Rs. 14.4 lakh per annum (as per ITR)

How to apply:

You can apply for HDFC cards online. To apply for this 6E Reward XL IndiGo credit card, all you need to do is, go to the card’s homepage on the bank’s website and submit the required documents.

Conclusion:

IndiGo Airlines is the largest and the most popular domestic carrier in India. Considering the benefits that this card offers to IndiGo flyers, it can be considered one of the best domestic travel cards currently available in the market. The eight complimentary domestic lounge access that you get with this card every year make the benefits taste even sweeter. All these benefits make this card the ideal credit card for frequent domestic fliers. Although, you have to pay an annual membership fee of Rs. 2,500 (zero fee variant also available as a limited period offer), this card is still worth the amount for frequent fliers. Do let us know your opinion of the card in the comments. Also, if you already have this card, feel free to share your experience.

FAQs:

The 6E Rewards are valid for 24 months (2 years) from the time of accrual and expire thereafter.

The 6E rewards can be redeemed on the IndiGo portal for 6E Rewards’ benefits which include IndiGo flight tickets.

Yes. You earn 3% 6E Rewards on dining, entertainment and grocery spends, and 2% 6E Rewards on all other spends.

Yes, this credit card does support contactless payments.

1 6E Reward = Re. 1

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