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6E Rewards XL – IndiGo HDFC Bank Credit Card, Rewards and Benefits, Joining Fees & Charges, Apply Online

In March 2020, HDFC Bank unveiled a groundbreaking partnership with IndiGo, India’s premier airline, and MasterCard, introducing two exceptional co-branded credit cards: the 6E Rewards XL and the 6E Rewards cards. Designed to cater to diverse travel needs, these cards cater to both frequent flyers and those seeking unparalleled rewards.

Distinguishing between the two variants, the 6E Rewards XL stands out as the premium option, offering elevated rewards and privileges coupled with a membership fee of Rs. 1,500. Notably, HDFC initially provided a complimentary version of the 6E Rewards XL Credit Card, delivering comparable benefits sans the welcome bonuses. However, the complimentary variant has since been discontinued, marking a shift in the offerings.

Remarkably, this collaboration marks IndiGo Airlines’ maiden venture into the realm of reward programs, symbolizing a significant milestone in enhancing customer engagement and loyalty. Through the utilization of the co-branded credit cards, patrons accrue 6E Reward Points, which can be seamlessly redeemed for an array of exclusive benefits, including IndiGo flight tickets. This innovative initiative resonates particularly well with domestic travelers, presenting an enticing proposition for those frequently traversing the country’s skies.

In essence, the HDFC and IndiGo co-branded travel credit cards epitomize the convergence of convenience, luxury, and rewards, revolutionizing the landscape of air travel for discerning individuals.

Fees Joining Fee-  Rs. 1500+ GST
Renewal Fee- Rs. 1500+ GST
Best Suited For


Reward Type Reward Points
Welcome Benefits One complimentary flight ticket worth Rs. 3000 and 6E Prime Add-On.

Rewards and Benefits

  • Experience the perfect blend of fine dining and entertainment with the Movie & Dining credit card. Earn 3% in 6E Rewards on all dining expenditures, along with exclusive discounts at select premium restaurants featured in the renowned Good Food Trail Dining Program across major cities.
  • Benefit from an attractive rewards rate, including 5% on IndiGo, 3% on dining, grocery, and entertainment, and a solid 2% back on all other transactions.
  • Redeem your accumulated 6E Rewards for a plethora of benefits, including IndiGo flight tickets, where every 6E Reward Point equals Re. 1.
  • Travel in style with complimentary access to domestic lounges, ensuring a relaxing pre-flight experience.
  • Enjoy the luxury of eight complimentary domestic lounge visits annually, with a maximum of two visits per quarter.
  • Experience peace of mind with our Zero Liability Protection feature, wherein you’re not held responsible for any unauthorized transactions if your card is reported lost to the bank within 24 hours.
  • Elevate your lifestyle with the Movie & Dining credit card, where every swipe brings you closer to exclusive rewards and unforgettable experiences.

Fees & Charges

  • Spend-Based Waiver: Not Applicable
  • Redemption Fee for Rewards: None
  • Markup on Foreign Currency Transactions: 2.5% (plus any relevant taxes)
  • Interest Rates: 3.6% monthly (equivalent to an annual rate of 43.2%)
  • Fuel Surcharge: Not nces: 2.5% of the withdrawn amount, with a minimum fee of Rs. 500.
  • Fee for Add-on Cards: None
  • Feel free to make any adjustments or further inquirapplicable
  • Charges for Cash Advaies.

Product Details

  • As a welcome gesture, enjoy the exclusive benefits of 1 complimentary 6E Prime Add-On, featuring priority check-in, seat selection, a complimentary meal, and expedited baggage handling.
  • Additionally, seize the opportunity to receive a complimentary IndiGo air ticket valued at Rs. 3,000 by making three or more purchases every three months following card activation, provided the annual fee of Rs. 2,500 is met.
  • Earn IndiGo 6E Rewards, converting your spending into reward points, with incentives such as up to 20% rewards on IndiGo featured partners, 5% on IndiGo purchases, 3% on dining, groceries, and entertainment, and 2% on all other expenditures.
  • Benefit from discounted convenience fees on IndiGo tickets, saving Rs. 150 per passenger. Moreover, relish access to 8 complimentary domestic lounge visits per calendar year (2 per quarter) through the MasterCard Lounge Program.
  • Experience the pinnacle of travel rewards and privileges with our tailored offerings.

6E Rewards XL IndiGo HDFC Credit Card Features and Benefits

Introducing the 6E Rewards XL IndiGo HDFC Credit Card, tailored to elevate your travel and dining experiences with a host of exclusive benefits:

Welcome Benefits:

Upon realization of the joining fee, indulge in a complimentary flight ticket valued at Rs. 3,000 and receive a 6E Prime Add-On, offering priority check-in, seat selection, a complimentary meal, and expedited baggage handling. These welcome benefits are accessible six months after card setup.

Travel Benefits:

Earn 5% 6E Rewards on IndiGo flight purchases and relish complimentary access to domestic airport lounges across India with the HDFC 6E Rewards XL Credit Card.

Dining Benefits:

Earn 3% 6E reward points on dining expenditures and enjoy exclusive discounts at premium restaurants across major cities through the Good Food Trail Dining Program.

Airport Lounge Access:

Benefit from 8 complimentary domestic airport lounge visits per year (2 per quarter) through the MasterCard Lounge Program. Please note, international lounge access is not included.

Zero Cost Liability:

Rest assured with zero liability for any fraudulent transactions reported post card loss or theft. Liability for transactions made prior to reporting loss remains with the cardmember.

Rewards Program:

Accumulate IndiGo 6E Rewards, including up to 20% rewards on IndiGo featured partners, 5% on IndiGo transactions, 3% on grocery, dining, and entertainment, and 2% on all other expenditures. Additional 1% rewards on select categories are capped at Rs. 75,000 per statement period. Enjoy 2% rewards on fuel spending. 6E Rewards remain valid for 24 months from accrual date.

Reward Redemption:

Redeem earned 6E Rewards on the IndiGo 6E portal for various benefits, including IndiGo flight bookings.

Fees and Charges:

The annual fee for the IndiGo HDFC Bank 6E Rewards XL Credit Card is Rs. 1,500 (plus applicable taxes). An interest rate of 3.6% per month (43.2% per annum) applies to outstanding balances. Cash advances incur a fee of 2.5% or Rs. 500 (whichever is higher). A foreign currency markup fee of 2.5% is levied on international transactions. Card replacement attracts a fee of Rs. 100.

Credit Limit:

Credit limits are determined based on the applicant’s credit score and income, typically ranging from two to three times the monthly earnings.

Documents Required:

Applicants must provide ID proof (such as Voter Card, Aadhar Card, PAN Card, Passport, or driving license), address proof (Voter Card, electricity/telephone bill, Aadhar Card, Passport, or driving license), and proof of income (audited ITR acknowledgment or salary slip).

Application Process:

Apply for the 6E Rewards XL IndiGo HDFC Credit Card online by visiting the bank’s website, filling out the required details, and uploading necessary documents.

Application Status:

Track the status of your HDFC 6E Rewards XL Credit Card application by entering your details on the bank’s credit card application tracking page.

Activating and Generating PIN for Your HDFC 6E Rewards XL Credit Card:

You have two convenient options for activating and generating the PIN for your HDFC 6E Rewards XL Credit Card:

1. Through Internet Banking:
– Log in to your HDFC Bank Internet Banking account.
– Navigate to the Credit Cards section and follow the prompts to initiate the PIN generation process.
– If your credit card is not already registered for internet banking, complete the registration process before proceeding with PIN generation.

2. Via ATM:
– Visit your nearest HDFC ATM.
– Follow the on-screen instructions displayed at the ATM to generate the PIN for your HDFC IndiGo 6E Rewards XL Credit Card.

Internet Banking Access:

Manage your HDFC credit cards seamlessly through HDFC’s internet banking service:
– Register your HDFC 6E Rewards XL IndiGO Credit Card for internet banking by visiting HDFC’s internet banking page.
– Click on Register and fill out the required details to complete the registration process.
– Once registered, log in to your HDFC internet banking account to control your credit card online. You can adjust credit limits, enable/disable specific transaction categories (e.g., international transactions), or temporarily block your card.

Credit Card Bill Payment:

You can conveniently pay your HDFC 6E Rewards XL IndiGo Credit Card bills through various channels:
– HDFC mobile app
– HDFC Internet Banking
– Billdesk
– Third-party apps like CRED or Paytm

Customer Care Assistance:

For any queries or assistance regarding your HDFC 6E Rewards IndiGo Credit Card, including reporting lost or stolen cards, reach out to HDFC’s 24×7 customer care:
– Dial 1860 267 6161 or 61606161 (prefix STD code) within India.
– For customers traveling abroad, dial 022 61606160 to connect with HDFC’s customer care desk.

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

With its exclusive benefits tailored for IndiGo flyers, the 6E Rewards XL Credit Card emerges as a top choice for frequent domestic travelers. The provision of eight complimentary domestic lounge accesses per year further enhances its appeal. Despite an annual membership fee of Rs. 1,500, the card’s benefits justify the cost, making it an ideal option for those who frequently traverse domestic routes. Share your thoughts on the card and your experiences with it in the comments section below.

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