एचडीएफसी 6E रिवार्ड्स क्रेडिट कार्ड
जारीकर्ता बैंक / संस्था: HDFC Bank Ltd.
IndiGo co-branded aviation card offering 1 complimentary domestic flight voucher welcome, 2.5% rewards on IndiGo, and 6E Prime priority perks.
💳कार्ड विवरण एवं मुख्य लाभ (Card Overview & Benefits)
कार्ड का संक्षिप्त विवरण
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.
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).
No complimentary airport lounge access on this base 6E variant (available on 6E Rewards XL variant).
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).
Up to 3 complimentary IndiGo domestic flight vouchers annually on reaching milestone annual spends of ₹1 Lakh, ₹2 Lakhs, and ₹3 Lakhs.
📋पात्रता मानदंड एवं नियम (Eligibility & Requirements)
पात्रता की शर्तें
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.
न्यूनतम वार्षिक आय आवश्यकता
₹25,000/month (Salaried) / ₹6,00,000/year ITR (Self-Employed)
📂आवश्यक दस्तावेज (Required Documents)
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.
⚠️क्या कमी है / महत्वपूर्ण शुल्क चेतावनियां (Honest MITC Disclosures & Hidden 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%.
🚀आवेदन के चरण (How to Apply)
Step 1: Visit hdfcbank.com or goindigo.in/6e-rewards. Step 2: Enter PAN and mobile number for instant eligibility check. Step 3: Select HDFC 6E Rewards Credit Card. Step 4: Enter employer details and monthly income. Step 5: Complete online Video KYC session with bank official. Step 6: Card is approved and dispatched via courier within 3 to 5 business days.
❓अक्सर पूछे जाने वाले प्रश्न (FAQs)
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.