HDFC IndiGo 6E Rewards XL Credit Card Review
Travel card with lounge access
The HDFC IndiGo 6E Rewards XL has a ₹2,500 annual fee + GST. It earns 2% back on regular spends and up to 5% on IndiGo, with 8 domestic airport lounge visits a year. Best for: regular indigo flyers with ₹4 lakh+ annual spend — our verdict: recommended.
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A focused co-branded travel card that pays a genuine 5% on IndiGo and an uncapped 3% elsewhere with ₹1-valued points, sweetened by milestone tickets and 8 lounge visits. Its value collapses for low spenders and non-IndiGo flyers given the ₹12 Lakh income bar and ₹4 Lakh waiver threshold.
Travel card with lounge access
The Bottom Line
The HDFC IndiGo 6E Rewards XL is built for frequent indigo flyer and flat-rate everyday earner. With a ₹2,500 annual fee, it offers 5% rewards on indigo (travel) and a welcome benefit worth ₹3,000. It makes the most sense if your spending matches frequent indigo flyer and flat-rate everyday earner.
It earns a base reward rate of 2% and stacks best when your spending lines up with Frequent IndiGo flyer, Flat-rate everyday earner.
Who Should Get This Card
Use this as a quick filter before comparing rewards or fees in detail.
Best fit for
IdealTravellers who fly IndiGo regularly earn 5% on bookings, reduced convenience fees and milestone tickets worth ₹1,500 each.
Spenders who value the uncapped 3% (3 points per ₹100) on all non-airline spends with points worth ₹1 each.
Probably not for
SkipWithout ₹4 Lakh annual spend there is no fee waiver and the milestone tickets stay out of reach.
Those who switch airlines lose the IndiGo-specific accelerators and ticket milestones that anchor the value.
Is It Worth It For You?
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Reward Rates
HDFC IndiGo 6E Rewards XL offers 2% basic reward rate.
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Welcome Offer
1 complimentary IndiGo air ticket worth Rs. 3000 on making 3 or more transactions in each of the first three months after card issuance. Also includes 1 complimentary 6E Prime voucher (priority check-in, choice of seat, complimentary meal, and quicker baggage handling).
Milestone Benefits
1 complimentary IndiGo air ticket worth Rs. 1500 on achieving annual spends of Rs. 2 Lakhs.
1 complimentary IndiGo air ticket worth Rs. 1500 on achieving annual spends of Rs. 4 Lakhs.
Renewal fee waiver on spending Rs. 4 Lakhs in the previous year.
Fees & Charges
Eligibility
- Min Income: ₹14.4 Lakhs
- Min Credit Score: 750
- Min ₹1.2 lakh/month salaried (₹14.4L annual) or ITR ₹14.4 lakh self-employed; annual fee ₹1,500; no fee waiver; renewal fee ₹1,500.
Exclusions & Terms
Forex markup
- Foreign currency markup
Fuel
- Transaction is ineligible for 6E Rewards. A 1% surcharge is levied, but waived up to ₹500 per statement cycle for transactions between ₹400 and ₹5,000.
Wallet Load
- Transaction is ineligible for 6E Rewards.
Rent Payment
- Transaction is ineligible for 6E Rewards.
EMI
- Transaction is ineligible for 6E Rewards.
Cash Advance
- Transaction is ineligible for 6E Rewards.
Fees & Charges
- Transaction is ineligible for 6E Rewards.
Frequently Asked Questions
7 data-backed answers from our card database
Ready to apply?
₹2,500 annual fee. Apply on the HDFC Bank website.
Apply on HDFC Bank →We may earn a commission if you apply through this link. It never affects our ratings.
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