A low annual fee IndiGo co-branded travel card with 2.6% value-back on IndiGo bookings.
2.5 6E Rewards per Rs. 100 on IndiGo bookings
Free IndiGo flight ticket worth Rs. 1,500 + complimentary 6E Prime Add-on service
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| Benefit | Details |
|---|---|
| Welcome Benefit | 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 |
| IndiGo Booking Rewards | Earn 2.5 6E Rewards per Rs. 100 spent on IndiGo flight bookings via the IndiGo website or app |
| Dining, Grocery & Entertainment | Earn 2 6E Rewards per Rs. 100 on dining, grocery and entertainment spends |
| All Other Spends | Earn 1 6E Reward per Rs. 100 on all other eligible purchases, including fuel, insurance and utility payments |
| Rewards Redemption | 6E Rewards redeemable against IndiGo flight bookings at a 1:1 ratio (1 6E Reward = Rs. 1); redemption fee of Rs. 200 applicable per person |
| Rewards Validity | 6E Rewards are valid for 2 years from the date of posting on the IndiGo account |
| Low Annual Fee | Rs. 500 + applicable taxes per year |
| Attribute | Classification |
|---|---|
| Issuer / Provider | HDFC Bank (Co-branded with IndiGo) |
| Bank / Non-bank | Bank-affiliated |
| Category | Entry-Level Co-branded Airline / Travel Rewards |
| Type of Card | Visa Credit Card |
| Free or Paid | Rs. 500 + applicable taxes annually |
The 6E Rewards IndiGo HDFC Bank Credit Card, offered by HDFC Bank in partnership with IndiGo, is a low-fee travel card designed for frequent flyers. At Rs. 500 annually, it provides a welcome benefit worth about Rs. 2,599, including a flight ticket and 6E Prime add-on. Users earn 2.5 rewards per Rs. 100 on IndiGo bookings, 2 rewards on daily spends, and 1 reward on fuel and utilities. Rewards redeem easily at a 1:1 ratio for flights. It suits budget travellers seeking value on both travel and everyday expenses.
Welcome Package Worth 5x the Annual Fee
The card offers a strong first-year benefit. On paying Rs. 500, users receive a flight ticket and 6E Prime add-on worth Rs. 2,599 combined.
2.6% Value-back on IndiGo Bookings
Users earn 2.5 6E Rewards per Rs. 100 on IndiGo bookings. With a 1:1 value, this delivers around 2.5%–2.6% returns on flight ticket purchases.
Accelerated Rewards on Daily Categories
The card gives 2 rewards per Rs. 100 on dining, grocery and entertainment spends. This provides a steady 2% value-back on common everyday expenses.
Rewards on Typically Excluded Categories
Fuel, insurance and utility payments also earn rewards at 1 per Rs. 100. This inclusion helps users earn across most daily spending categories, unlike many cards.
Simple and Transparent 1:1 Redemption
Each 6E Reward equals Rs. 1 during redemption on IndiGo bookings. The process is simple, with no complex conversions, though a Rs. 200 fee applies per person.
Reward Earning on UPI Payments
The card allows reward earning on UPI payments via IndiGo channels, capped at 500 rewards monthly, reflecting the growing use of UPI for everyday payments.
No Lounge Access or Milestone Benefits
This card does not include airport lounge access or milestone rewards. Users seeking these features may consider upgraded variants with higher annual fees and added benefits.
IndiGo-focused Reward Structure
Rewards can only be used for IndiGo bookings. This suits frequent IndiGo travellers, but may limit flexibility for users who prefer multiple airlines or broader redemption options.
Affordable Entry-level Airline Card
With a Rs. 500 annual fee, this card serves as a low-cost entry into airline credit cards, offering basic travel rewards without requiring a high yearly commitment.
2.5 6E Rewards Per Rs. 100 on IndiGo Bookings
Users earn 2.5 6E Rewards per Rs. 100 on IndiGo bookings made through official channels, offering around 2.5% to 2.6% value-back per transaction.
2 6E Rewards Per Rs. 100 on Dining, Grocery and Entertainment
Users earn 2 6E Rewards per Rs. 100 on dining, grocery and entertainment spends. Grocery rewards are capped at 1,000 6E Rewards per month.
1 6E Reward Per Rs. 100 on Other Eligible Spends
All other eligible spends earn 1 reward per Rs. 100, including fuel, insurance and utility payments, with monthly caps applicable across these categories.
| Fee Type | Amount | Details |
|---|---|---|
| Joining / Annual Fee | Rs. 500 + applicable taxes | Charged on card issuance and annually on renewal. The first year is more than recovered by the Rs. 2,599 welcome package. |
| Finance Charges | 3.75% per month (45% per annum) | Applicable on outstanding balances not cleared in full by the payment due date. |
| Rewards Redemption Fee | Rs. 200 per person | Applicable per person at the time of redeeming 6E Rewards against IndiGo flight bookings. |
| Late Payment Charges | Tiered structure | Based on outstanding statement balance: Up to Rs. 100: Nil; Rs. 101 to Rs. 500: Rs. 100; Rs. 501 to Rs. 1,000: Rs. 500; Rs. 1,001 to Rs. 5,000: Rs. 600; Rs. 5,001 to Rs. 10,000: Rs. 750; Rs. 10,001 to Rs. 25,000: Rs. 900; Rs. 25,001 to Rs. 50,000: Rs. 1,100; More than Rs. 50,000: Rs. 1,300 |
| Criteria | Details |
|---|---|
Age | Minimum 21 years, Maximum 65 years (up to 60 years for salaried individuals) |
Occupation | Salaried or Self-employed |
Income (Salaried) | Minimum net monthly income of Rs. 50,000 per month |
Income (Self-Employed) | Annual Income Tax Return (ITR) of minimum Rs. 7.2 lakh per annum |
Citizenship | Must be a Resident of India |
Credit Score | Good CIBIL score (ideally 750+) recommended for approval |
| Document Type | Details |
|---|---|
| Identity Proof | Any one: Aadhaar Card, PAN Card, Passport, Driving Licence, Voter ID Card |
| Address / Residence Proof | Any one: Aadhaar Card, Passport, Driving Licence, Voter ID Card, Recent Utility Bill (not older than 2 months) |
| Income Proof | Latest salary slip (for salaried) / Latest 3-6 months' bank statements / Form 16 / IT return acknowledgment (for self-employed) |
| PAN Card | Mandatory for credit card issuance as per RBI guidelines |
| Photograph | Recent passport-size photographs |
Step 1: Click on Apply Now: Hit the "Apply Now" button to start your application.
Step 2: Fill in Your Details: Enter your personal information, including name, date of birth, contact details, employment information, and financial details in the application form.
Step 3: Upload Required Documents: Upload scanned copies of your PAN Card, Aadhaar/Address Proof, Income Proof, and a recent photograph.
Step 4: Submit Your Application: Carefully review all the details you've entered for accuracy and click the Submit button.
Step 5: Approval & Card Delivery: Once your application is approved after verification, your 6E Rewards IndiGo HDFC Bank Credit Card will be dispatched to your registered address within 7-10 working day.
| Usage Tips | Details |
|---|---|
Always Book IndiGo via the IndiGo Website or App | The 2.5 6E Rewards per Rs. 100 accelerated rate applies only to bookings made directly through the IndiGo website or mobile app. Booking IndiGo through third-party platforms like MakeMyTrip or Ixigo will earn only the base 1 6E Reward per Rs. 100 rate. |
Claim Your Welcome Benefits Immediately | Upon paying the joining fee, ensure you claim your complimentary IndiGo flight ticket worth Rs. 1,500 and 6E Prime Add-on worth Rs. 1,099 promptly. These welcome benefits are available in the first membership year only. |
Use for Dining, Grocery and Entertainment | Route all dining, grocery, and entertainment spends through this card to earn 2 6E Rewards per Rs. 100. |
Use for Fuel, Insurance and Utility Bills | Unlike most credit cards, this card earns 1 6E Reward per Rs. 100 on fuel, insurance premiums, and utility and telecom bills. Use the card for all these routine payments to extract value from categories that typically earn nothing. Stay within the monthly caps for each category. |
Factor in the Rs. 200 Redemption Fee | Each redemption attracts a Rs. 200 per person fee. To maximise the net value of your redemption, accumulate a meaningful balance of 6E Rewards before redeeming. |
Track Monthly Earning Caps | Monitor your monthly spends across capped categories. |
Redeem Before the 2-Year Validity Expires | 6E Rewards are valid for 2 years from the date of posting on your IndiGo account. Set calendar reminders to ensure you plan IndiGo bookings and redeem your rewards before they expire, especially for rewards accumulated early in the card's life. |
Avoid Third-Party App Payments for Higher Rewards | Transactions made through third-party apps such as CRED, PayTM, Cheq, MobiKwik, and Freecharge do not earn 6E Rewards. Pay bills and other eligible expenses directly through the merchant's own platform or through HDFC Bank's channels to ensure reward eligibility. |
Pay Your Bill in Full Every Month | The finance charge of 3.75% per month (45% per annum) is high and will quickly outweigh any 6E Rewards earned. Always clear your outstanding balance in full by the due date to maintain the card's value proposition and protect your credit score. |
Consider Upgrading for Lounge Access | If complimentary airport lounge access becomes a priority, consider upgrading to the 6E Rewards XL IndiGo HDFC Bank Credit Card. The base 6E Rewards IndiGo card does not offer lounge access, so frequent flyers who want this benefit will need the higher-tier variant. |
The 6E Rewards IndiGo HDFC Bank Credit Card is designed for users who want to maximize their credit card benefits effectively.
Disclaimer: The information provided on this page has been gathered from various reliable sources and is intended solely for general informational purposes. As details may change over time, we do not guarantee the accuracy or completeness of the content. Users are advised to verify the information with official or relevant sources before making any decisions or taking action.
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