CardAgent
Verified by CardAgent admin · last checked 08 Jul 2026
HDFC Bank

HDFC 6E Rewards Indigo Credit Card

42
Ranked #45 of 170 in credit
creditMastercardEntry-level travel co-brand

Entry-level HDFC x IndiGo co-branded card notable for rewarding categories most cards exclude (fuel, insurance, utilities) at up to 2.6%, with a strong first-year-only welcome bonus, but rewards redeemable only for IndiGo flights.

Score breakdown

Data completeness: 95% · Last verified: 09 Jul 2026

Reward value31/100 · weight 71%
≈ 1.59% effective on the standard basket (eligible spend only)
Wide-coverage rewards: +0.6% score bonus — earns broadly without narrow category restrictions.
No rewards on: rent. Reward score is scaled by ×(1 − 2.5%), proportional to how much of the standard basket falls in these excluded categories (v4 formula, capped at −5%). Tip: pair with a card that covers these.
Fee efficiency95/100 · weight 12%
Redemption flexibility92/100 · weight 9%
Perks2/100 · weight 9%

Fees

All fees shown base + 18% GST (India card fees legally attract GST).

Joining fee
₹500 + 18% GST
= ₹590 total
Annual fee
₹500 + 18% GST
= ₹590 / year total
Waiver: No spend-based fee waiver available
Forex markup
3.5%

Lounge access

Domestic (per year)
0
International (per year)
0

Reward structure

CategoryTypeRateCapNotes
online_travel_bookingpoints2.60%(2.6 pts @ ₹1.00)—2.5-2.6% on IndiGo bookings via IndiGo App/channels (sources vary slightly)
travelcashback2.5%——
online_spendscashback2%——
diningcashback2%——
groceries_offlinepoints2.00%(2 pts @ ₹1.00)—2% on grocery, dining, entertainment spends
all_spendspoints1.00%(1 pts @ ₹1.00)—1% 6E Rewards on general spends, includes normally-excluded categories like fuel/insurance/utilities; redeemable only for IndiGo flights
groceriescashback1%——
fuelcashback1%——

Welcome offer

Complimentary IndiGo flight ticket worth Rs 1,500 on 3+ transactions in each of first 3 months + 1 free 6E Prime Add-on worth Rs 1,099 (priority check-in, seat choice, complimentary meal) on first-year fee payment; combined ~Rs 2,600 value, vouchers valid 6 months from posting; benefit is first-year ONLY

Milestone benefits

Pros

  • Unusually rewards fuel, insurance, and utility spends (categories most cards exclude) at up to 2.6%, strong first-year welcome bonus (~5x the joining fee), low Rs 500 fee, additional 5% cashback available via SmartBuy/SmartPay (capped Rs 1,000/month each)

Cons

  • No lounge access, no milestone benefits beyond year one, rewards redeemable ONLY for IndiGo flights (no flexibility), no fee waiver option, fuel surcharge waiver discontinued in 2021

What's inside

More benefits

  • 6E Prime Add-on

    ₹1,099

    Complimentary meal, priority check-in, choice of seat, quicker baggage

    one-time. On first-year fee payment

Insurance cover

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Eligibility

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Indian resident, age 21+, salaried income Rs 6 lakh+/year or self-employed ITR Rs 7.2 lakh+/year, credit score 720+ recommended

Small print

Fuel surcharge:1% fuel surcharge waiver DISCONTINUED effective 19 Nov 2021 — no longer available