6E Rewards IndiGo HDFC Bank Credit Card Vs. IndiGo IDFC FIRST Credit Card
6E Rewards IndiGo HDFC Bank Credit Card
IndiGo IDFC FIRST Credit Card
Comparison of 6E Rewards IndiGo HDFC Bank Credit Card and IndiGo IDFC FIRST Credit Card
Feature
6E Rewards IndiGo HDFC Bank Credit Card
IndiGo IDFC FIRST Credit Card
Annual Fee
Rs. 500 + applicable taxes
₹0
Joining Fee
Rs. 500 + applicable taxes
₹4,999 + GST (~₹5,899)
Welcome Benefits
Complimentary IndiGo flight ticket worth Rs. 1,500 + free 6E Prime Add-on service worth Rs. 1,099 on payment of first year joining fee
5,000 IndiGo BluChips voucher credited within 7 days of joining fee payment
Interest Rate (APR)
N/A
1.5% to 3.6% per month (18% to 43.2% annually)
Foreign Currency Markup
N/A
1.49% + GST (~1.76%)
Key Highlights
•Welcome Benefit
•IndiGo Booking Rewards
•Dining, Grocery & Entertainment
•All Other Spends
•Rewards Redemption
•Rewards Validity
•Low Annual Fee
•Dual-Network Design
•Accelerated BluChips Earning
•Welcome & Annual Benefits
•Early Activation Bonus
•Milestone Rewards
•Low Forex Markup
•Trip Cancellation Cover
•FD-Backed Option
Dos
Always book IndiGo flights directly through official website or app to earn full 2.5 6E Rewards per Rs. 100.
Claim welcome benefits early after activation, including flight ticket and 6E Prime add-on, since they are valid only during first year.
Use the card for dining, grocery, and entertainment spends to earn 2 6E Rewards per Rs. 100 on regular daily expenses.
Use the card for fuel, insurance, and utility payments to earn rewards on categories usually excluded from most credit card programmes.
Pay your credit card bill fully and on time each month to avoid high finance charges that reduce overall reward benefits.
Book all IndiGo flights directly via IndiGo website/app to maximise the up to 22 BluChips per ₹100 earning rate
Target ₹1,00,000 in spends within the first 90 days to unlock the 3,000 BluChips activation bonus
Plan your annual spending to cross milestone thresholds strategically for maximum bonus BluChips
Use the card for utilities, insurance, rent, and fuel to earn 0.5 BluChips per ₹100 on typically excluded categories
Pay your credit card bill in full every month to avoid high interest charges (up to 43.2% annually)
Don'ts
Avoid booking IndiGo flights via third-party platforms like MakeMyTrip or Ixigo, as rewards may not apply.
Do not redeem very small 6E Rewards balances frequently, as redemption fees reduce overall value and make such transactions inefficient for cardholders.
Do not use this card as primary option if not loyal to IndiGo, since rewards are limited only to IndiGo bookings.
Avoid payments through apps like CRED, Paytm, or MobiKwik, as these may not earn rewards.
Never ignore monthly reward caps on categories like utility, grocery, fuel, and UPI, as spending beyond limits will not earn rewards.
Avoid booking IndiGo flights through third-party platforms as you'll miss out on the accelerated earning rate
Don't miss the activation bonus opportunity in the first year as it's not available subsequently
Avoid letting your annual spends hover just below milestone thresholds—small additional spends could unlock significant rewards
Don't expect earnings on cash withdrawals, EMIs, or jewellery purchases as these are excluded
Never carry a balance beyond the due date as interest significantly erodes any rewards earned
