6E Rewards XL – IndiGo HDFC Bank Credit Card
- Updated On: 19 May, 2026
HDFC Bank launched two co-branded credit cards by partnering with IndiGo, India’s largest airline. The premium 6E Rewards XL and the basic 6E Rewards cards are some of the most rewarding flight credit cards in India. The XL variant is the more premium variant, offering a higher reward rate and a higher membership fee of ₹1,500. This is the first time IndiGo Airlines has created a Reward Program for its customers. With this card, you earn 6E Reward Points redeemable for 6E Rewards benefits on IndiGo, including IndiGo flight tickets. If you travel domestically more often, this card is worth consideration.
Please keep in mind that IndiGo BluChip and 6E Rewards are both separate programs. Keep reading to learn more about the premium co-branded travel credit card by HDFC and IndiGo.
6E Rewards XL – IndiGo HDFC Bank Credit Card
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- Joining Fee
- Annual Fee
- Best Suited For
- Reward Type
Rewards Rate
6E Rewards- 5% on IndiGo, 3% on dining, grocery and entertainment, and 2% for every other transaction.
Welcome Benefits
One complimentary flight ticket worth Rs. 3000 and 6E Prime Add-On.
Rewards and Benefits
Movie & Dining
N/A
Rewards Rate
6E Rewards- 5% on IndiGo, 3% on dining, grocery and entertainment, and 2% for every other transaction.
Reward Redemption
The IndiGo 6E rewards are redeemable for 6E Rewards’ Benefits including IndiGo flight tickets (1 6E Reward Point = Re. 1).
Travel
N/A
Domestic Lounge Access
8 Domestic Lounge Visits Annually (Max 2 Each Quarter) for Both Primary and Add-On Cardholders
International Lounge Access
N/A
Golf
12 Golf Lessons and 4 Complimentary Rounds of Green Fees Each Year (Mastercard World Card India Golf Program)
Insurance Benefits
N/A
Fees & Charges
Spend-Based Waiver
N/A
Rewards Redemption Fee
Nil
Foreign Currency Markup
2.5%
Interest Rates
3.75% Per Month (45% Annually)
Fuel Surcharge Waiver
N/A
Cash Advance Charges
2.5% of the Withdrawn Amount or ₹500, Whichever is Higher
Product Details
- 1 Complimentary 6E Prime Add-On as a Welcome Benefit (Priority check-in, choice of seat, a complimentary meal & quicker baggage).
- A complimentary IndiGo air ticket worth Rs. 3,000 on making three or more purchases every 3 months after card activation (provided that the annual fee of Rs. 2,500 is realized).
- IndiGo 6E Rewards as Reward Points.
- IndiGo 6E Rewards- up to 5% on IndiGo, 3% on dining, grocery, and entertainment, and 2% on all other spends.
- 8 Complimentary Domestic Lounge Access per calendar year (2 per quarter) under the MasterCard Lounge Program.
Pros/Cons
Pros
- You get 8 complimentary domestic airport lounge visits with this card. This applies to both international and domestic terminals at airports within the country.
- A complimentary ticket worth ₹3,000 as a welcome benefit.
Cons
- This card does not offer travel insurance benefits.
- You won’t get access to any international airport lounges with the 6E Rewards XL IndiGo HDFC Bank Credit Card.
6E Rewards XL IndiGo HDFC Credit Card Features and Benefits
Welcome Benefits
- Enjoy one complimentary flight ticket worth ₹3000 and a 6E Prime Add-On (Priority check-in, choice of seat, a complimentary meal, and quicker baggage), provided the joining fee is realized, with a 6E Rewards XL IndiGo HDFC Credit Card.
- The welcome benefits can be availed within six months of voucher issuance.
Airport Lounge Access
- 8 complimentary domestic airport lounge visits (2 per quarter) with the MasterCard Lounge Program.
- The 6E Rewards XL Card does not offer any international lounge visits.
Zero Cost Liability
If any fraudulent transaction is made on the card post, reporting the bank about the stolen/lost card, the cardholder will not be liable for the same. However, for transactions made prior to reporting the loss of the card, the liability lies solely with the card member.
Reward Rate With 6E XL IndiGo HDFC Credit Card
- Indigo 6E Rewards- up to 5% for transactions made on IndiGo, 3% on grocery, dining, and entertainment, and 2% on all other spends.
- The 6E Rewards gained for dining, grocery, and entertainment spending are subject to the max capping of 2,000 Points per statement period.
- The card also offers 2% 6E Rewards on every ₹100 spent on fuel.
- The 6E Rewards are valid for 24 months (2 years) from the date of accrual.
- No 6E Rewards will be awarded for the following transactions: 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.
Reward Redemption
The Reward Points earned as 6E Rewards are redeemable on the IndiGo 6E portal for 6E Rewards’ Benefits, including IndiGo flights.
6E Rewards XL IndiGo HDFC Credit Card Charges
- Annual Fee: The IndiGo HDFC Bank 6E Rewards XL Credit Card carries an annual fee of Rs. 1,500 (plus applicable taxes).
- Interest Rate: HDFC Bank charges an interest rate of 3.75% p.m. (45% per annum) on the due balance on the 6E Rewards XL Credit Card in case of non-payment of the monthly bill of the card in full by the payment due date.
- Cash Advance Fee: A charge of 2.5% is applicable as a cash advance fee on cash withdrawals from an ATM or ₹500 (whichever is higher).
- Foreign Currency Mark-Up: HDFC Bank levies a forex transaction fee of Rs. 2.5% of the transaction amount on foreign currency transactions made with HDFC IndiGo 6E Rewards XL Credit Card.
6E Rewards XL IndiGo HDFC Bank Credit Card Credit Limit
The credit limit that an applicant is allowed on their 6E Rewards XL IndiGo HDFC Credit Card depends upon the credit score (CIBIL score) and income (as per ITR/salary slips) of the applicant. Usually, the credit limit is around two to three times the monthly earnings of the cardholder.
6E Rewards XL HDFC Credit Card Eligibility and Documentation
The eligibility criteria with respect to the age and income for the 6E Rewards XL HDFC Credit Card have been explained below:
| Age | Income | |
| Salaried Applicants | 21 – 60 Years | Gross Monthly Income of More Than ₹ 1,20,000 |
| Self-Employed Applicants | 21 – 65 Years | ₹14.4 Lakh Per Annum (As Per ITR) |
6E Rewards XL IndiGo HDFC Bank Credit Card Bill Payment
You can pay HDFC 6E Rewards XL IndiGo Credit Card bills via multiple channels- via the HDFC mobile app, HDFC Internet Banking, Billdesk, or through a third-party app like CRED or CheQ.
6E Rewards XL – IndiGo HDFC Bank Credit Card Review
IndiGo Airlines is the largest and most popular domestic carrier in India. Considering the benefits this card offers to IndiGo flyers, it can be considered one of the top travel credit cards presently available. The eight complimentary domestic lounge access this card offers every year makes 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 ₹1,500, this card is still worth the amount for frequent flyers. Share your views on the card in the comments below, and if you have already used one, share your experience with it with others.
FAQs:
What is the validity of the 6E Rewards?
The 6E Rewards are valid for 24 months (2 years) from the time of accrual and expire thereafter.
How can I redeem the 6E rewards?
The 6E rewards can be redeemed on the IndiGo portal for the benefit of IndiGo flight tickets.
Do I earn reward points for expenditures made outside of IndiGo?
Yes. You earn 3% 6E Rewards on dining, entertainment, and grocery spends, and 2% 6E Rewards on all other spends.
Does this card support contactless payments?
Yes, this credit card does support contactless payments.
What is the monetary value of the 6E Rewards?
1 6E Reward = ₹1
Are IndiGo 6E Rewards and BluChip the same?
No, the 6E Rewards and IndiGo BluChip accounts are managed separately.
1 comment
PIYUSH BENEGAL
6E Rewards XL is the most useless credit card where it is practically impossible to redeem the reward points. Thus Indigo airlines are fooling the common man by taking him for a Royal ride. You have accumulated more than 28000 points and am unable to redeem inspite of making innumerable attempts to redeem.