My credit card India

6E Rewards XL IndiGo HDFC Credit Card Features and Benefits

Welcome Benefits

• Enjoy one complimentary flight ticket worth Rs. 3000 and a 6E Prime Add-On (Priority check-in, choice of seat, a complimentary meal, and quicker baggage), provided the joining fee is realized, with a 6E Rewards XL IndiGo HDFC Credit Card.
• The welcome benefits can be availed only 6 months after the card set-up.

Travel Benefits

• You earn 5% 6E Rewards on IndiGo flights.
• You also get complimentary airport lounge access with the HDFC 6E Rewards XL Credit Card at domestic airports across India.

Dining Benefits

• 6E Rewards XL HDFC Credit Card earns you 3% 6E reward points on Dining spends with the card.
• You also get exclusive discounts at premium restaurants across major cities under the Good Food Trail Dining Program.

Airport Lounge Access

• 8 complimentary domestic airport lounge visits (2 per quarter) with the MasterCard Lounge Program.
• The 6E Rewards XL Card does not offer any international lounge visits.

Zero Cost Liability

If any fraudulent transaction is made on the card post, reporting the bank about the stolen/lost card, the cardholder will not be liable for the same. However, for transactions made prior to reporting the loss of the card, the liability lies solely with the card member.

6E Rewards XL IndiGo HDFC Credit Card Reward

• Indigo 6E Rewards- up to 20% on IndiGo featured partners, 5% for transactions made on IndiGo, 3% on grocery, dining, and entertainment, and 2% on all other spends.
• The additional 1% 6E Rewards gained for dining, grocery, and entertainment spends are subject to the max capping of Rs. 75,000 per statement period.
• The card offers 2% 6E Rewards on every Rs. 100 spent on fuel
• The 6E Rewards are valid for 24 months (2 years) from the date of accrual.
• Discounted convenience fee on IndiGo tickets (Rs. 150 discount per passenger).

Reward Redemption

The Reward Points earned as 6E Rewards are redeemable on the IndiGo 6E portal for 6E Rewards’ Benefits, including IndiGo flights.

6E Rewards XL IndiGo HDFC Credit Card Fees and Charges

• Annual Fee: IndiGo HDFC Bank 6E Rewards XL Credit Card carries an annual fee of Rs. 1,500 (plus applicable taxes).
• Interest Rate: HDFC Bank charges an interest rate of 3.6% p.m. ( 43.2% per annum) on the due balance on the 6E Rewards XL Credit Card in case of non-payment of the monthly bill of the card in full by the payment due date.
• Cash Advance Fee: A charge of 2.5% is applicable as a cash advance fee on cash withdrawals from ATM or Rs. 500 (whichever is higher).
• Foreign Currency Mark-Up: HDFC Bank levies a forex transaction fee of Rs. 2.5% of the transaction amount on foreign currency transactions made with HDFC IndiGo 6E Rewards XL Credit Card.
• Card Replacement Fee: HDFC charges a replacement fee of Rs. 100 to issue a new credit card if you misplaced your existing card.

6E Rewards XL IndiGo HDFC Bank Credit Card Credit Limit

The credit limit that an applicant is allowed on their 6E Rewards XL IndiGo HDFC Credit Card depends upon the credit score (CIBIL score) and income (as per ITR/salary slips) of the applicant. Usually, the credit limit is around two to three times the monthly earnings of the cardholder.

6E Rewards XL HDFC Credit Card Eligibility and Documentation

The eligibility criteria with respect to the age and income for the 6E Rewards XL HDFC Credit Card have been explained below:

Documents Required

Following are the documents that are required to be submitted to the bank while applying for the 6E Rewards XL IndiGo HDFC Credit Card-

• ID Proof- Voter Card, Aadhar Card, PAN Card, Passport, driving license, etc.
• Address Proof- Voter Card, electricity/telephone bill, Aadhar Card, Passport, driving.
• Proof of Income- An audited ITR acknowledgment or salary slip.

6E Rewards XL IndiGo HDFC Bank Credit Card Bill Payment

You can pay HDFC 6E Rewards XL IndiGo Credit Card bills via multiple channels- via the HDFC mobile app, HDFC Internet Banking, Billdesk, or through a third-party app like CRED or CheQ.

6E Rewards XL IndiGo HDFC Bank Credit Card Customer Care

In case you require any assistance with regards to your HDFC 6E Rewards IndiGo Credit Card or to report the card lost or stolen to the bank, you may dial the bank’s 24×7 customer care number 1860 267 6161 or 61606161 (prefix STD code). Customers who are traveling abroad may dial 022 61606160 to reach out to HDFC’s customer care desk.

6E Rewards XL – IndiGo HDFC Bank Credit Card Review

IndiGo Airlines is the largest and the most popular domestic carrier in India. 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 make 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. Share your views on the card in the comments below, and if you already used one, share your experience with it with others.