6E Rewards XL- HDFC Indigo Credit Card Review

If you are a frequent traveler and looking for a credit card that can help you manage your travel expenses, then you should take a look at the 6e rewards xl indigo hdfc credit card, it is a co-branded travel credit card, specially designed for those who travel frequently with IndiGo airlines. 

This hdfc travel card offers some good benefits for the travelers like exclusive 6e rewards, free lounge access, complimentary flight tickets on milestone spend, EMI facility, lost card liability coverage, and lots of other useful hdfc credit card features. Now let’s have a closer look at the hdfc credit card benefits and see; how much benefit does it actually offer?   

How does the hdfc bank credit card eligibility work?

  • Resident Type: Indian
  • For salaried person:
    • Age: Between 21 to 60 years. 
    • hdfc credit card eligibility minimum salary: Average monthly income should be greater than Rs.120000
  • For self-employed person:
    • Age: Between 21 to 65 years. 
    • Income: Annual Income Tax Return should be greater than Rs. 14.4 lakh.
  • HDFC credit card eligibility cibil score: An excellent credit score (more than 780) is needed to apply for this 6e rewards XL- indigo hdfc credit card

If you are applying for a hdfc bank credit card for the first time or are confused with the hdfc bank credit card online application process, then click here to know how to apply for a hdfc bank credit card easily?

What documents are required for a 6e rewards hdfc credit card application?

  • Photocopy of Address proof (any 1)
    • Last 6 months bank account Statement
    • Aadhar Card
    • Driving License
    • Passport
    • Utility bills
  • Photocopy of ID Proof (any 1)
    • Aadhar card
    • Voter Card
    • Passport
    • PAN Card
  • Two recent passport-sized photographs
  • Proof of income statement:
    • Salaried Person (any 1)
      • Salary Slip of last 3 months
      • ITR (Income Tax Return)
    • Self-employed person
      • Income tax return of the last year
      • Proof of business

Once your hdfc credit card online application is submitted successfully, you can track your hdfc credit card application status from the hdfc credit card application tracking page using your application id.

How much are the hdfc credit card fees?

  • 6E rewards hdfc credit card joining fee:Rs. 2500 + GST
  • What is the annual fee for 6E reward XL IndiGo HDFC: It would be Rs. 2500 + GST

What are the 6e rewards hdfc credit card benefits?

  • A huge joining bonus to welcome you:

As you activate your 6e rewards credit card for the first time, you will get a complementary hdfc credit card 6e prime membership that offers you premium privileges like free meals on the flight, quick check-in, etc. 

You will get some additional gift vouchers like an Accor hotel stay voucher (worth Rs.5,000), an Accor hotel dining voucher (worth Rs.1,000), and a Budweiser voucher (worth Rs.1,000)

 If you are having any problem activating your hdfc indigo credit card, then feel free to visit our FAQ page to know; how to activate new hdfc credit card for the first time?

  • Get rewarded for every transaction you make:

With the powerful hdfc credit card reward scheme, you can earn useful indigo rewards from everyday credit card usage. 

Spend category

Total benefit

IndiGo flight booking  5% hdfc 6e rewards
Spend on dining, entertainment, and grocery 3% hdfc 6e rewards
Spend on some selected IndiGo partner brands Up to 15% hdfc 6e rewards
Everyday credit card usage (excluding, fuel purchase, EMI conversion, wallet top-up, etc.) 2% hdfc 6e rewards 

Now you might be thinking; What is the use of 6E rewards? You can redeem hdfc credit card points to cash (1 6E reward is equal to Rs.1), or use them to buy IndiGo flight tickets or just to get some products from the hdfc bank credit card rewards catalog. You can find more redemption options here

You can check your total earned indigo rewards from your hdfc mobile app for credit card or from your hdfc credit card statements.

  • Travel comfortably with complimentary hdfc airport lounge access:

With your hdfc 6e rewards credit card you can enjoy  8 free yearly accesses(up to 2/quarter) to most of the domestic airport lounges.  

  • Enjoy travel benefits like never before:

If you use this indigo hdfc credit card to book IndiGo flight tickets, you will get up to Rs.150 discount on the convenience fee. 

  • Enjoy freedom from fuel surcharges:

If you use this hdfc credit card for fuel purchases, you will get a 1% waiver on fuel surcharges. This hdfc bank offer is applicable on a minimum transaction of Rs.400 and you can earn a maximum of Rs.500 waiver in a month.

  • Enjoy additional benefits on milestone spends:

On completing 3 successful transactions with your indigo credit card in each of the first 3 months after hdfc credit card activation, you will get an IndiGo airline flight ticket of Rs.3000. The hdfc credit card first-year membership fee should be paid beforehand to avail of this offer.    

  • Split your bills at a minimal cost:

With the help of the smart emi option in hdfc credit card, you can convert any of your high-value transactions into small monthly installments. The complete conversion process can be performed from your online hdfc credit card net banking account

  • Zero liability on lost or stolen cards:

This HDFC 6e rewards xl card comes with zero lost card liability coverage, which means if your hdfc bank card ever gets lost or stolen, you just have to report the missing card by calling the hdfc credit card customer service number and you will no longer be liable for anything bad that may happen to your account. You can also block the hdfc credit card using the HDFC credit card app

  • Make payments with just a wave:

This hdfc credit card is equipped with an advanced contactless payment facility. This feature allows you to make payments just by placing hdfc 6e credit card over any contactless-enabled POS machine. You can control your domestic contactless usage for credit cards from your HDFC credit card mobile app.

What are the hdfc credit card service charges?


Payable amount

The hdfc bank credit card cash withdrawal charges 2.5% against the transaction amount, min Rs. 500
The finance charges in hdfc credit card 3.6% monthly or 43.2% annually. Applicable if the hdfc credit card outstanding amount is not cleared within the hdfc credit card payment due date
The hdfc credit card foreign transaction fee 2.5% against the transaction amount.
The hdfc credit card add on card fee Free for a lifetime

Due to security reasons, hdfc bank international credit card transactions are turned off on new credit cards. So if you can’t use your card for international transactions, then visit our FAQ page for the hdfc credit card international transaction activation process.  

How to contact the hdfc credit card 24/7 customer care department?

  • Call the hdfc bank credit card customer care no: 1800-266-4332 (Toll-free) or 022-616-6161 
  • Write to the hdfc credit card complaints email id: customerservices.cards@hdfcbank.com 

100xGain Ratings: 


Pros and cons of the 6e rewards xl-indigo hdfc bank credit card:



  • The rate of earning 6e Rewards is quite impressive.
  • You can enjoy access to premium airport lounges.
  • Also, this indigo credit card offers a handsome discount on flight tickets.
  • You will get access to the indigo loyalty program.
  • This indigo credit card does not offer any hotel booking benefits.
  • The discount offer is only applicable on IndiGo flight tickets.

Final Opinion:

As I said earlier, this hdfc 6e credit card is best for those who travel frequently with IndiGo airlines. For them, it will be the best hdfc credit card for you. The ability to use the 6E hdfc credit card reward to buy flight tickets is very useful, this card also offers free domestic lounge access, attractive hdfc credit card offers on indigo flight tickets, EMI facility, and lots more. 

But this hdfc bank card has some drawbacks too, the major flaw with this indigo xl card is that it does not offer any international lounge access and there are no benefits on hotel bookings. But at an annual fee of Rs. 2500 is not a bad deal and if you are a regular flier with IndiGo airlines, this 6e rewards xl card would definitely be useful for you. Otherwise, you can compare the alternative card options given below.

Alternative cards of the 6e rewards xl- indigo hdfc bank credit card: 

  1. HDFC moneyback credit card (Best for offering reward points)
  2. InterMiles HDFC Signature Credit Card (Best for reward points and travel benefits)
  3. 6 e Rewards – hdfc bank indigo credit card (Best for reward points, lounge access, and travel benefits) 
  4. Kotak Indigo ka ching credit card (Best for reward points, and travel benefits) 

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