INDEPENDENT PUBLIC DIRECTORY: Eligo does not issue credit cards, collect customer applications, or earn affiliate referral commissions. All terms, fees, and interest charges below are sourced directly from the official hdfcbank.com (HDFC Bank Ltd.) Most Important Terms and Conditions (MITC).

🏛️HDFC Bank Ltd.Network: MastercardTravel & Aviation CardsLast Verified: 2026-09-28

HDFC 6E Rewards Credit Card

एचडीएफसी 6E रिवार्ड्स क्रेडिट कार्ड

IndiGo co-branded aviation card offering 1 complimentary domestic flight voucher welcome, 2.5% rewards on IndiGo, and 6E Prime priority perks.

Annual Fee₹700 + GST (Renewal: ₹700 + GST)

Reward Rate2.5% 6E Rewards on IndiGo ticket and add-on bookings via goindigo.in. 2% 6E Rewards on dining, grocery, and entertainment. 1% 6E Rewards on all other retail transactions.

Airport LoungeNo complimentary airport lounge access on this base 6E variant (available on 6E Rewards XL variant).

Forex Markup3.50% + GST on foreign currency transactions.

What Is This Card

HDFC 6E Rewards is the entry-level aviation co-branded card partnered with IndiGo Airlines. Tailored for frequent budget flyers across India's domestic air network, it provides 1 complimentary ticket voucher welcome, 2.5% rewards on IndiGo, and priority 6E Prime check-in amenities.

Key Benefits (Official MITC Sourced)

💳Annual Fee & Joining Fee

₹700 + GST (Renewal: ₹700 + GST)

Fee Waiver: No automatic fee waiver; renewal fee payment of ₹700 generates 1 complimentary 6E Rewards flight voucher on IndiGo.

🎁Welcome Benefit

1 complimentary IndiGo domestic flight ticket voucher worth ₹1,500 on making 3 transactions in the first 30 days, plus 1 complimentary 6E Prime add-on pack (choice of seat, meal, and baggage tag).

⚡Reward Points Structure

2.5% 6E Rewards on IndiGo ticket and add-on bookings via goindigo.in. 2% 6E Rewards on dining, grocery, and entertainment. 1% 6E Rewards on all other retail transactions.

Redemption Value: 1 6E Reward Point = ₹1.00 directly redeemable against IndiGo flight bookings and ancillary services without blackout dates.

🛫Airport & Railway Lounge Access

No complimentary airport lounge access on this base 6E variant (available on 6E Rewards XL variant).

🛡️Insurance & Fuel Surcharge Waiver

Insurance Cover: Standard fraud liability cover up to credit limit under zero lost card liability.

Fuel Surcharge: 1% fuel surcharge waiver across all fuel stations in India on transaction amounts between ₹400 and ₹5,000 (maximum waiver of ₹250 per statement cycle).

🎯Milestone Spends & Grace Period

Milestones: Up to 3 complimentary IndiGo domestic flight vouchers annually on reaching milestone annual spends of ₹1 Lakh, ₹2 Lakhs, and ₹3 Lakhs.

Interest-Free Period: Up to 50 days of interest-free credit from transaction date.

What's Missing (Eligo's Honest Disclosures)

Fine-Print Exclusions & Realistic Costs

No complimentary domestic airport lounge access on this entry variant. Welcome flight voucher carries base fare restrictions and taxes must be borne by cardholder. Forex markup is 3.50%.

Forex Markup Fee3.50% + GST on foreign currency transactions.

Cash Advance Fee2.5% of withdrawn amount or ₹500 (whichever is higher) + 3.60% monthly finance charges.

Finance Charges (Interest)3.60% per month (43.20% per annum) on revolving balances.

Late Payment SlabsNil for outstanding up to ₹100; ₹100 for ₹101–₹500; ₹500 for ₹501–₹1,000; ₹600 for ₹1,001–₹5,000; ₹800 for ₹5,001–₹10,000; ₹1,100 for ₹10,001–₹25,000; ₹1,300 for above ₹25,000 (+ GST).

Reward Points Expiry6E Rewards expire 2 years (24 months) from the date of accrual.

Categories Earning ZERO Rewards (Standard MITC Exclusion):Fuel transactions, wallet top-ups, rent payments, educational institutional fees, and government tax payments.

Eligibility Criteria

Salaried Indian individuals aged 21 to 60 with monthly salary exceeding ₹25,000. Self-employed individuals aged 21 to 65 with annual ITR exceeding ₹6,00,000.

Age Requirement21 to 60 Years

Minimum Income₹25,000/month (Salaried) / ₹6,00,000/year ITR (Self-Employed)

CIBIL Score NoteA credit score of 720+ is standard.

SBI RelationshipNot mandatory. Open to all qualifying Indian citizens.

How to Apply (Official Procedure)

Online Digital Application Flow

1Visit hdfcbank.com or goindigo.in/6e-rewards.

2Enter PAN and mobile number for instant eligibility check.

3Select HDFC 6E Rewards Credit Card.

4Enter employer details and monthly income.

5Complete online Video KYC session with bank official.

6Card is approved and dispatched via courier within 3 to 5 business days.

Branch Application for Offline Applicants

Apply at any HDFC Bank branch with self-attested copies of PAN, Aadhaar, salary slip, and a passport-size photo.

Visit Official Card Page (hdfcbank.com)Download Official MITC (PDF)

Documents Required

1. PAN Card (statutory requirement)

2. Proof of Identity & Residence: Aadhaar Card, Passport, or Voter ID

3. Proof of Income: Last 3 months' salary slips with bank statement OR Latest ITR with Computation Sheet

4. Passport-size photograph.

Frequently Asked Questions (Official MITC)

What happens if I miss the minimum payment due on HDFC 6E Rewards Credit Card?

If you do not pay at least the Minimum Amount Due (MAD) on or before the due date, late payment penalties will be charged according to the issuer's tariff: Nil for outstanding up to ₹100; ₹100 for ₹101–₹500; ₹500 for ₹501–₹1,000; ₹600 for ₹1,001–₹5,000; ₹800 for ₹5,001–₹10,000; ₹1,100 for ₹10,001–₹25,000; ₹1,300 for above ₹25,000 (+ GST).. In addition, revolving finance charges at 3.60% per month (43.20% per annum) on revolving balances. will be calculated from the original transaction dates on all outstanding balances and fresh purchases. You will lose the interest-free grace window, and the overdue record will be transmitted to credit bureaus (CIBIL, Experian, CRIF High Mark), adversely impacting your credit score.

Can I convert transactions on HDFC 6E Rewards Credit Card into EMI?

Yes, HDFC Bank Ltd. provides merchant EMI and post-purchase in-app EMI conversion options for eligible transactions (typically above ₹1,500 to ₹2,500). Cardholders can configure repayment schedules from 3 to 24 months via the bank's mobile application, net banking dashboard, or SMS prompt. Conversion is subject to a nominal one-time processing fee (usually 1% to 2% + 18% GST) and tenure-based interest charges.

How do I track and redeem reward points or cashback on HDFC 6E Rewards Credit Card?

You can monitor accrued reward points or cashback by accessing your monthly e-statements or logging into HDFC Bank Ltd.'s official mobile banking application or web portal. 1 6E Reward Point = ₹1.00 directly redeemable against IndiGo flight bookings and ancillary services without blackout dates. Please note: 6E Rewards expire 2 years (24 months) from the date of accrual.

What is the interest-free grace period on HDFC 6E Rewards Credit Card and how does it work?

The interest-free period on HDFC 6E Rewards Credit Card is Up to 50 days of interest-free credit from transaction date.. This benefit is applicable strictly when the full Total Amount Due from the previous billing cycle was cleared by the payment due date. If any residual balance is carried forward, all purchases immediately incur daily finance charges (3.60% per month (43.20% per annum) on revolving balances.) with zero grace period. ATM cash withdrawals never receive a grace period and incur interest and cash advance fees from the withdrawal timestamp.

← Back to Complete Credit Cards Directory View All HDFC Bank Ltd. Products & Loans →