6E Rewards XL - IndiGo HDFC Bank Credit Card
Product Details
Credit Card Name :
6E Rewards XL - IndiGo HDFC Bank Credit Card
Bank Name :
HDFC Bank
Type :
Rewards Credit Card
Interest Rate :
3.6% per month (43.2% annually)
Eligibility :
For Salaried Indian national
Age: Min 21 years & Max 60 Years
Gross Monthly Income> Rs 1,20,000
For Self Employed Indian national
Age: Min 21 years & Max 65 Years
Income: ITR > Rs 14.4 Lakhs per annum
Pros
Customers get 5% 6E Rewards on IndiGo, 3% 6E Rewards on Grocery, Dining & Entertainment, and 2% 6E Rewards on all other spends
Cardholders also get 8 complimentary domestic airport lounge accesses per year,
Additional Features of the card include: - Exclusive dining privileges and low foreign currency markup. - Revolving credit facility available. - Welcome benefit is also provided to the customers. - Smart EMI option also available.
Welcome Benefit: 1 Complimentary flight ticket worth Rs.3000, 1 Complimentary 6E Prime Add-On - Priority check-in, choice of seat, a complimentary meal & quicker baggage). · Accor hotel vouchers worth Rs. 5000 (Applicable only on joining fee payment)
Cons
Rewards program: The 6E Rewards program is not as flexible as some other programs, as you can only redeem your rewards for IndiGo flights or for statement credit.
Limited international benefits: The card does not offer any specific benefits for international travel.
Pros & Cons
Welcome Benefits
1 Complimentary flight ticket worth Rs.3000, 1 Complimentary 6E Prime Add-On - Priority check-in, choice of seat, a complimentary meal & quicker baggage). · Accor hotel vouchers worth Rs. 5000 (Applicable only on joining fee payment)
Rewards System
1 6E Rewards = 1 Rs.
You can earn 1 reward point for every INR 100 spent on your card.
Rewards earned will be transferred to your Indigo account at the end of the month.
The effective Cashback rate varies from 0.25% to 5%.
International Forex Markup
Markup fee of 2.5% on all foreign currency transactions.
Welcome Benefits and Reward System
Special Features
You get 12 golf lessons and 4 rounds of green fees at select golf courses.
Eligibility Criteria
For Salaried Indian national
Age: Min 21 years & Max 60 Years
Gross Monthly Income> Rs 1,20,000
For Self Employed Indian national
Age: Min 21 years & Max 65 Years
Income: ITR > Rs 14.4 Lakhs per annum
Benefits
6E Rewards on IndiGo flights booked on the IndiGo app or website, 3% 6E Rewards on grocery, dining, and entertainment, and 2% 6E Rewards on all other spends.
Discounted Convenience Fee: You get a discounted convenience fee of Rs. 150 per passenger when you book an IndiGo flight using your card.
8 Domestic Airport Lounge Access: You get 8 complimentary domestic airport lounge access per year.
Speical Feature, Eligibility and Benefits
How to apply for Credit Card?
Go to the HDFC Bank website and click on the "Credit Cards" tab.
Select the "6E Rewards XL - IndiGo HDFC Bank Credit Card" from the list of cards.
Click on the "Apply Now" button.
You will be redirected to a new page where you will need to provide your personal information, such as your name, address, and contact details. You will also need to provide your income and employment details.
You will need to upload a scanned copy of your PAN card and a recent passport-size photograph.
Once you have submitted your application, an HDFC Bank representative will contact you to verify your details and complete the application process.
Here are the steps on how to apply through a phone call:
Call the HDFC Bank customer care number 1800 267 7777.
Select the option to apply for a credit card.
Provide your personal information to the customer care representative.
The customer care representative will guide you through the application process.
Contact Details
1800 202 6161 or 1860 267 6161,
send an SMS to 730 8080 808, or
even use WhatsApp to send a message to 707 0022 222.
Account Opening and Procedure
6E Rewards XL - IndiGo HDFC Bank Credit Card
Considering the benefits this card offers to IndiGo flyers, it can be considered one of the top travel credit cards presently available. The eight complimentary domestic lounge access this card offers every year makes the benefits taste even sweeter. All these benefits make this card the ideal credit card for frequent domestic fliers. Although you have to pay an annual membership fee of Rs. 1,500, this card is still worth the amount for frequent fliers.
Abhijeet Saxena
Abhijeet Saxena
Nalsar University of Law
Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi
Ex - Khaitan & Co. Bengaluru,
Ex - National Stock Exchange, Mumbai,
Ex - Argus Partners, Mumbai
Product Review
Fees & Charges
Joining/ Renewal Membership Fee – Rs.1, 500/- + Applicable Taxes
Cash advance fee: 2.5% or ₹ 500 whichever is higher.
Interest Rates: 3.60% p.m. 43.20% p.a.
Late Payment Charges: Less than ₹100 = Nil ₹100 to ₹500 = ₹100/- ₹501 to ₹5,000 = ₹500/- ₹5,001 to ₹10,000 = ₹600/- ₹10,001 to ₹25,000 = ₹800/- ₹25,001 to ₹50,000 = ₹1100/- More than ₹50,000 = ₹1300/-
Foreign Currency Transactions Fees: 2.5%.
Reward Redemption Fees: Rs. 99/-
Fuel Surcharge
N/A
Billing Cycle
30 Days