By: OurMoneyGuide || Last updated on: June 10, 2024

6E Rewards XL IndiGo HDFC Bank Credit Card is a co-branded card by HDFC Bank, in partnership with Indigo, India’s largest domestic airline. The card gives attractive rewards not only on Indigo ticket purchases, but also on variety of your day-to-day expenses. All rewards that you get can only be used on Indigo, hence the card is suitable only for regular Indigo fliers.

Pros & Cons of 6E Rewards XL IndiGo HDFC Bank Credit Card


  • 5% benefit on Indigo spends.
  • 3% on grocery, dining and entertainment spends
  • You get 2% on all other cards spends, which is a healthy flat-rate reward rate on all card spends
  • Complimentary use of dometic airport lounges – 2 times per quarter


  • While the benefits are appealing, you need to be a regular Indigo flier since the earned benefits can only be redeemed/used for Indigo flight bookings
  • You need to consider other cards for earning higher rewards on other important spend categories

Features & Benefits of the 6E Rewards XL IndiGo HDFC Bank Credit Card

5% benefit on Indigo spends

You earn 5 reward points (called 6E reward points) worth ₹5, on every ₹100 you spend at Indigo.

One 6E reward point = ₹1. 6E reward points will be credited to your Indigo account. 6E reward points can be redeemed for booking Indigo tickets, or any 6E add-ons. 6E add ons include complimentary meal, seat selection, priority check-in and other assistance. Reward points are valid for 2 years. 

This benefit is not valid on group, corporate, SME and agent bookings.

3% benefit on the following spends – grocery || entertainment || dining

You earn 3 reward points (6E reward points) worth ₹3 , on every ₹100 spend you spend in these categories.

One 6E reward point = ₹1, and can be redeemed for booking Indigo tickets, or any 6E add-ons.

Please note that on grocery purchases, 3% benefit is valid on grocery purchases upto ₹66,660 per month, since the maximum number of reward points are restricted to 2000 per monthly card statement cycle.

2% benefits on all other card spends 

You earn 2 reward point (6E reward point) worth ₹2, on every ₹100 spend you spend on all other card purchases. 

One 6E reward point = ₹1, and can be redeemed for booking Indigo tickets, or any 6E add-ons.

2% benefit is also applicable on fuel purchases, but only on fuel purchases upto ₹25000 per month, since the maximum number of reward points are restricted to 500 per monthly card statement cycle. However fuel surcharge waiver benefit is not available on this card.

No reward points are given on wallet transactions.

Complimentary domestic airport lounge access – 2 per quarter

You get free visits to airport lounges in India, 8 times per year (maximum 2 times per quarter).

To see list of lounges and for more information, please click here. To know the lounge access usage please visit website, login and enter your card details.

Lower fee of 2.50% on international credit card transactions

You get a lower fee of 2.50% on foreign card transactions, this fee is charged on the value of the transaction. Most cards in the industry except a few charge 3.50% fee.

Discounted convenience fee on Indigo

You enjoy discounted convenience fee of ₹150 per passenger, on Indigo.

Upto 10% cashback (upto ₹1000 per month) on a variety of categories and partners – through HDFC Smartbuy platform

HDFC Smartbuy is a platform which display’s HDFC Bank’s exclusive partnerships with a variety of partners. You get 5% – 10% cashback on various categories and at various partners, please see details in the table below.

You get a a maximum cashback of ₹1000 per month. For example, if you shop only in the 5% shopping categories/partners, you shall get 5% cashback on total card purchases upto ₹20,000 per month.

Applicable categories and partners
5% cashback on travel spends, through HDFC Smartbuy✓ Flight bookings
✓ Hotel bookings
✓ IRCTC train tickets
✓ Bus tickets, through RedBus
✓ MakeMyTrip holiday packages
5% cashback on gift voucher purchases, through HDFC SmartbuyGift vouchers usually include Amazon Pay, Flipkart, Amazon shopping and more.

There maybe individual limits on certain gift vouchers, and/or processing charges on certain gift vouchers, for example Amazon Pay vouchers. To see latest details, and a list of all gift vouchers available, please click here.
5% cashback at select partners, through HDFC Smartbuy✓ Myntra
✓ Apple Imagine Tresor
✓ Nykaa
✓ Zoom Car
10% cashback at select partners, through HDFC Smartbuy✓ Pharmeasy
✓ Jockey
Please note that partners listed on HDFC Smartbuy platform could change from time to time. To see latest details of applicable partners, please click here.

Complimentary golf – 4 free golf rounds per year (maximum 1 per month) || 1 free golf lesson per month (applicable only for Mastercard variant of the card)

You get 4 free golf rounds per year (maximum 1 per month). You also get 1 free golf lesson per month.

This offer is brought to you in partnership with Mastercard, for more details please click here.

You also get more offers & benefits from Mastercard. For details please click here.

HDFC Bank customer care 

Please click here to see details on all options available – HDFC Bank Customer Care Details

Zero lost card liability

In the unfortunate event of you losing your HDFC Credit Card, report it immediately to the 24-hour call centre. After reporting the loss, you have zero liability on any fraudulent transactions made on your Credit Card.

6E Rewards XL IndiGo HDFC Bank Credit Card Fees and Charges

Annual fee & annual fee offers

Annual fee
Annual fee offers
1st year joining fee₹1500Welcome offers
– You get 1 free flight ticket worth ₹3000. This benefit is not valid in case you get a card without 1st year annual fee.
– You also get one ‘6E Prime-Add-on’ worth ₹1099. This gives you various benefits, including priority check-in, complimentary meal, seat selection and assistance.

(You need to make minimum 3 transactions in each of the first 3 months starting from the date of card issued, to avail the welcome offers)
Renewal fee from 2nd year onwards₹1500

Important Note

– GST/ other applicable taxes as per current laws, will be applicable on all fees and charges
– To view all/updated fees & charges on this card, please click here – HDFC Bank Credit Card Fees & Charges

Eligibility Criteria

Although your credit card eligibility is based on multiple parameters which can be assessed once you apply for an HDFC Credit Card, there are certain basic criteria that all applicants must fulfil. 

Minimum age21 years
Maximum ageSalaried – 60 years
Self employed – 65 years
Occupation Salaried or self employed
Minimum income requirementSalaried : Gross income of ₹1.20 lakhs per month.
Self-employed : ₹14.4 lakhs per year.
Credit scoreNot specified, credit score of 750 or more is generally preferred

Application Process

Step-by-step guide –

Online application process
The easiest way is to click here – APPLY NOW , you will be taken to the card application page on the HDFC Bank website. You can also visit official website of the bank and fill out the application form.

Steps :
– The bank’s website and mobile app offer a user-friendly interface that makes the application process quick and easy.
– To apply, simply provide your personal details, such as your mobile phone number, income, and PAN number, along with the required documents.
– Submit your application
Offline (face to face)  application processYou can visit any of the nearest branches of the bank and talk to an executive regarding the process.
Whatsapp BankingYou can also apply for your card through HDFC Whatsapp Banking. Here are the steps to apply for an HDFC credit card through WhatsApp banking:

1. Save the Chat Banking number 7070022222 (HDFC Bank WhatsApp number) in your contacts
2. Send “Hi”
3. Choose the desired option OR simply type your query, for example – “Apply for Credit Card”
4. Apply and wait for further instructions or updates on your card application status.
Tracking your application statusClick here to track the status of your HDFC Bank Credit Card application.

You can also check the status of your application through Chat with EVA. Simply ask the chatbot to help you track your credit card applications and follow its instructions.

Necessary documents –

Required documents
– PAN card copy
– Identity proof : PAN card , driving license, valid passport, voter ID (any one)
– Address proof : electricity bill, phone bill, driving licence, passport, ration card, bank statement, passbook, voters ID, flat maintenance bill, rent agreement (any one)
– Income proof : latest salary slip/s, income tax returns

You maybe required to provide additional documents, on a case-to-case basis.