VVyaya

HDFC IndiGo 6E Rewards XL Credit Card: Fees, Rewards & Benefits

Travel card with lounge access

Vyaya Team · Jun 2026
5 min read
Apply Now →

We may earn a commission if you apply through this link. It never affects our ratings.

Value Score
8.0 / 10
Annual Fee
₹2,500
Best For
Frequent IndiGo flyer, Flat-rate everyday earner
Network
Visa
Expert Verdict

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.

HDFC BANKVisa
HDFC IndiGo 6E Rewards XL
Tap to see back →
REWARD SUMMARY
2% Base Rewards
Travel card with lounge access
← Tap to flip back

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.

What we like
+6E Rewards are valued at a full ₹1 each, with no caps on the accelerated rates – 5 points per ₹100 (5%) on IndiGo bookings and 3 per ₹100 (3%) on all other spends.
+Two complimentary IndiGo tickets worth ₹1,500 each unlock at ₹2 Lakh and ₹4 Lakh annual spend, plus a welcome ticket worth ₹3,000 for transacting in the first three months.
+8 complimentary domestic lounge visits per year for the primary cardholder via the Mastercard lounge program.
+Reduced IndiGo convenience fee of ₹150 per passenger and strong travel insurance (₹25 Lakh air accident, ₹10 Lakh overseas hospitalization).
+Renewal fee of ₹2,500 waived on ₹4 Lakh annual spend, which the milestone-driven structure encourages.
What we don't
–No annual fee waiver path below ₹4 Lakh spend – light spenders pay the full ₹2,500 every year.
–High eligibility bar with a ₹12 Lakh minimum income requirement.
–Rewards and benefits are heavily tied to the IndiGo ecosystem, limiting value for flyers of other airlines.
–No international lounge access and a 2.5% forex markup.

Who Should Get This Card

Use this as a quick filter before comparing rewards or fees in detail.

Best fit for

Ideal
+
Frequent IndiGo flyer

Travellers who fly IndiGo regularly earn 5% on bookings, reduced convenience fees and milestone tickets worth ₹1,500 each.

+
Flat-rate everyday earner

Spenders who value the uncapped 3% (3 points per ₹100) on all non-airline spends with points worth ₹1 each.

Probably not for

Skip
–
Low-spend flyer

Without ₹4 Lakh annual spend there is no fee waiver and the milestone tickets stay out of reach.

–
Multi-airline traveller

Those who switch airlines lose the IndiGo-specific accelerators and ticket milestones that anchor the value.

Is It Worth It For You?

Slide to your typical monthly card spend. We'll do the rest.

Calculate Your Value

Adjust your typical monthly spend by category.

Dining
0₹5,000Max ₹50k
Est. Returns
Travel
0₹10,000Max ₹1L
Est. Returns
Online & Shopping
0₹8,000Max ₹80k
Est. Returns
Groceries
0₹6,000Max ₹40k
Est. Returns
Annual rewards₹0
Welcome bonus (Year 1)+₹3,000
Annual fee-₹2,500
Net Value (Year 1)+₹500
Net Value (Year 2+)₹-2,500

Sign in for personalized estimates based on your actual spending

Reward Rates

HDFC IndiGo 6E Rewards XL offers 2% basic reward rate.

Quick Calculator

Estimate earnings for a specific purchase

₹
IndiGo (Travel)
5%
Other
3%

Welcome Offer

Welcome Benefit

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).

Value: ₹3,000

Milestone Benefits

Spend ₹2,00,000Value: ₹1,500

1 complimentary IndiGo air ticket worth Rs. 1500 on achieving annual spends of Rs. 2 Lakhs.

Spend ₹4,00,000Value: ₹1,500

1 complimentary IndiGo air ticket worth Rs. 1500 on achieving annual spends of Rs. 4 Lakhs.

Spend ₹4,00,000

Renewal fee waiver on spending Rs. 4 Lakhs in the previous year.

Fees & Charges

Joining fee₹2,500
Annual fee₹2,500
Fee waiverN/A

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

3 data-backed answers from our card database

What is the annual fee of the HDFC IndiGo 6E Rewards XL?+

The HDFC IndiGo 6E Rewards XL has an annual fee of ₹2,500.

What rewards does the HDFC IndiGo 6E Rewards XL offer?+

It earns 6E Rewards, with accelerated earning on Travel, Rewards.

Does the HDFC IndiGo 6E Rewards XL offer airport lounge access?+

Yes, it includes complimentary airport lounge access. See the benefits section for visit limits.

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.

Explore more on Vyaya

Bank comparisons

HDFC vs ICICIHDFC vs SBIHDFC vs AxisHDFC vs Amex

Guides & best picks

Best HDFC Bank CardsBest Cards for StudentsBest Cards for First TimersBest Cards for Online ShoppingBest Travel CardsBest Cashback Cards

Browse by category

Travel CardsCashback CardsShopping CardsFuel Cards

Browse by bank

HDFCICICISBIAXISAMEXKOTAK