Per HDFC Bank’s official notice: the HDFC 6E Rewards XL IndiGo Credit Card (and the 6E Rewards plain variant) was discontinued on 31 Oct 2025. The 6E Rewards program was phased out from 1 Nov 2025. Existing cardholders received SMS/email notifications on 26 Aug 2025 and have been migrated to a different HDFC credit card. You cannot apply for this card any more. If you’re looking for an IndiGo co-brand card, see Kotak 6E Rewards XL instead.
6E Rewards XL IndiGo HDFC Bank Credit Card Review
IndiGo co-brand: 5% on IndiGo, 3% on dining/groceries/entertainment, 8 domestic lounges, 2.5% forex. April 2026.
Who this is for
The 6E Rewards XL IndiGo HDFC Bank is HDFC's premium IndiGo co-brand targeting frequent IndiGo flyers. The 5% earn rate on IndiGo bookings + 1:1 redemption against future flights makes it effectively a 5% discount on IndiGo travel. The welcome benefit alone (3,000 flight ticket + 1,099 6E Prime add-ons) nearly covers the fee. Best suited for travellers taking 4+ IndiGo flights a year.
Fees & welcome
| Head | Detail |
|---|---|
| Joining + Annual fee | 1,500 + GST = 1,770 all-in |
| Annual fee waiver | None — pay every year regardless |
| Welcome benefit | IndiGo ticket worth 3,000 + 6E Prime add-ons worth 1,099 (priority check-in, meal, seat selection) |
| Forex markup | 2.5% (better than 3.5% standard) |
Reward structure
- IndiGo bookings: Up to 5% as 6E Rewards (redeemed 1:1 against future IndiGo flight + 6E Prime add-ons)
- Dining, grocery, entertainment: 3% 6E Rewards
- Fuel: Capped at 500 6E Rewards per calendar month
- Other spends: Base rate (verify with HDFC current T&C)
- RP validity: 2 years from accrual date
Travel benefits
- 8 complimentary domestic lounge visits per year
- 2.5% forex markup (concessional vs 3.5% standard)
- 1:1 redemption of 6E Rewards against IndiGo flights
- 6E Prime add-ons redemption (priority check-in, seat selection, meals)
Compared with alternatives
| Card | Fee | Airline rate | Notable |
|---|---|---|---|
| 6E Rewards XL IndiGo HDFC | 1,500 | 5% IndiGo | 8 lounges, 2.5% forex |
| 6E Rewards IndiGo HDFC (basic) | 750 | 2.5% IndiGo | Entry variant, fewer lounges |
| SBI Miles Prime | 2,999 | 2% travel | 25+ partner transfers |
| HSBC TravelOne | 4,999 | 4X travel + forex | 20 transfer partners |
| Axis Vistara Signature | 3,000 | 1 CV pt/200 | Being phased out (merger) |
What we like
Where it falls short
- No fee waiver path — 1,770 every year regardless of spend
- 6E Rewards only redeem against IndiGo (no flexibility if you switch airlines)
- Fuel rewards capped at 500 RP/month
- 2-year RP expiry forces active planning
- Post Air India/Vistara merger, IndiGo's domestic dominance may shift — check long-term value
Should you apply?
Apply if: You take 4+ IndiGo flights/year, spend on dining/groceries regularly (3% accelerator), and travel internationally (2.5% forex is ~1% saving vs standard cards).
Skip if: You fly multiple airlines (single-co-brand lock-in hurts you), take fewer than 3 IndiGo flights/year, or want fee-waiver flexibility.
The bottom line
6E Rewards XL IndiGo HDFC is a strong IndiGo-loyalist card. Welcome benefit comfortably covers the fee in year one. 5% on IndiGo + 3% on dining/grocery/entertainment delivers meaningful return. The absence of fee waiver and single-airline lock-in are the main limitations. Pair with a general-purpose card for non-IndiGo spends.
Verified against HDFC Bank's official 6E Rewards XL IndiGo page and April 2026 listings. Welcome benefit requires first-spend activation. 6E Rewards redeem 1:1 on IndiGo only.