6E Rewards XL – IndiGo HDFC Bank Credit Card

In March 2020, HDFC Bank introduced two co-branded credit cards in collaboration with IndiGo, India’s leading airline, and MasterCard. The cards, named 6E Rewards XL – IndiGo HDFC Credit Card and 6E Rewards – IndiGo HDFC Credit Card, cater to different segments. The 6E Rewards XL is the premium variant, featuring an elevated reward rate and a higher membership fee of Rs. 1,500. Initially, HDFC offered a complimentary version of the 6E Rewards XL Credit Card, providing similar benefits, excluding the welcome benefits. However, the free variant has since been discontinued.

Key Highlights of 6E Rewards XL – IndiGo HDFC Bank Credit Card

  1. Enjoy a Welcome Benefit with the Complimentary 6E Prime Add-On, featuring Priority check-in, seat selection, a complimentary meal, and expedited baggage service.
  2. Earn a complimentary IndiGo air ticket worth Rs. 3,000 by making 3 or more purchases every 3 months post card activation, provided the annual fee of Rs. 2,500 is paid.
  3. Accumulate IndiGo 6E Rewards as Reward Points.
  4. Avail discounts through IndiGo 6E Rewards: up to 20% on featured partners, 5% on IndiGo, 3% on dining, grocery, and entertainment, and 2% on all other expenditures.
  5. Benefit from a Discounted Convenience Fee on IndiGo tickets, offering a Rs. 150 discount per passenger.

Features and Benefits of 6E Rewards XL – IndiGo HDFC Bank Credit Card

The 6E Rewards XL – IndiGo HDFC Bank Credit Card offers several features and benefits:

1. Welcome Benefits:

  • Receive a complimentary 6E Prime Add-On with priority check-in, seat choice, a complimentary meal, and quicker baggage handling.
  • Avail a 30% discount voucher for Accor Hotel Stay, worth Rs. 5,000.
  • Enjoy a Rs. 1,000 voucher for Accor Hotel Dining (minimum transaction of Rs. 1,500).
  • Welcome benefits are applicable only on the first-year membership fee payment.

2. Reward Earnings:

  • Earn 5% 6E Rewards on every Rs. 100 spent on the IndiGo website or mobile app.
  • Get 3% 6E Rewards on every Rs. 100 spent on dining, grocery purchases, and entertainment spends.
  • Earn 2% 6E Rewards on every Rs. 100 spent on all other retail transactions (excluding fuel and wallet loading).
  • Receive up to 15% 6E Rewards on transactions with featured partners.

3. Milestone Benefit:

  • Obtain a complimentary IndiGo air ticket worth Rs. 3,000 by making 3 or more transactions in each of the first three months after card setup.
  • Milestone benefits are available exclusively on first-year membership fee payments.

4. Lounge Access:

  • Enjoy 8 complimentary domestic lounge accesses through the Mastercard Lounge Access Program, with a cap of 2 visits per quarter.

5. Fuel Surcharge Waiver:

  • Benefit from a complete waiver of fuel surcharge for transactions above Rs. 400.
  • The maximum waiver per billing cycle is capped at Rs. 500.

6E Rewards XL – IndiGo HDFC Bank Credit Card Fees and Charges

Explore the fee structure for the 6E Rewards XL – IndiGo HDFC Bank Credit Card and discover the financial advantages that come with it.

1. Annual Fee:

  • The IndiGo HDFC Bank 6E Rewards XL Credit Card requires an annual fee of Rs. 1,500 (plus applicable taxes).
  • The previously available free variant of the card has been discontinued.

2. Interest Rate:

  • HDFC Bank imposes an interest rate of 3.6% per month (equivalent to 43.2% per annum) on the outstanding balance of the 6E
  • Rewards XL Credit Card if the full monthly bill is not paid by the due date.

3. Cash Advance Fee:

  • A cash advance fee is applicable at 2.5% of the withdrawal amount from ATMs or a minimum of Rs. 500, whichever is higher.

4. Foreign Currency Mark-up:

  • HDFC Bank charges a foreign currency transaction fee of Rs. 2.5% on the transaction amount for foreign currency transactions made using the HDFC IndiGo 6E Rewards XL Credit Card.

5. Card Replacement Fee:

  • HDFC imposes a card replacement fee of Rs. 100 to issue a new credit card in case the existing card is lost or misplaced.

Eligibility Criteria for 6E Rewards XL – IndiGo HDFC Bank Credit Card

Here are essential criteria for applying for an 6E Rewards XL – IndiGo HDFC Bank Credit Card:

Salaried Applicants:

  • Age: 21-60 years
  • Income: Gross Monthly Income exceeds Rs. 1,20,000

Self-employed Applicants:

  • Age: 21-65 years
  • Income: Rs. 14.4 lakh per annum (verified through Income Tax Return)

Documents Required for 6E Rewards XL – IndiGo HDFC Bank Credit Card

To apply for the 6E Rewards XL – IndiGo HDFC Bank Credit Card, you will typically need to provide the following documents:

1. ID Proof:

  • Voter Card
  • Aadhar Card
  • PAN Card
  • Passport
  • Driving License

2. Address Proof:

  • Voter Card
  • Electricity/Telephone Bill
  • Aadhar Card
  • Passport
  • Driving License

3. Proof of Income:

  • Audited Income Tax Return (ITR) Acknowledgment
  • Salary Slip

How To Apply for 6E Rewards XL – IndiGo HDFC Bank Credit Card?

Follow these steps to apply for the 6E Rewards XL – IndiGo HDFC Bank Credit Card online:

  1. Visit the IndiGo HDFC Bank Credit Card Website:Navigate to the official website of IndiGo HDFC Bank Credit Cards to find information about the 6E Rewards XL card.
  2. Review Card Features and Eligibility: Understand the features, benefits, and eligibility criteria for the 6E Rewards XL card. Ensure that you meet the necessary requirements.
  3. Fill in the Online Application Form: Complete the online application form available on the website. Provide accurate personal and financial details as required.
  4. Upload Necessary Documents: Scan and upload the required documents, such as proof of identity, address, and income, as specified in the application process.
  5. Submit Application and Await Approval: Submit the completed application form. Wait for the bank’s review and approval process. Once approved, the bank will dispatch the credit card to your registered address.

Frequently Asked Questions (FAQs)

1. What are the key features of the 6E Rewards XL – IndiGo HDFC Bank Credit Card?

The 6E Rewards XL card offers a range of features such as accelerated IndiGo rewards points, complimentary lounge access, fuel surcharge waiver, and exclusive discounts on IndiGo flights.

2. How can I apply for the 6E Rewards XL Credit Card?

You can apply for the 6E Rewards XL card by visiting the official IndiGo HDFC Bank Credit Card website, filling out the online application form, and submitting the necessary documents.

3. What documents are required for the credit card application?

Commonly required documents include proof of identity, address, and income. Ensure you provide accurate and up-to-date information to expedite the application process.

4. What is the eligibility criteria for the 6E Rewards XL Credit Card?

Eligibility criteria may include age, income, and credit score requirements. Check the specific criteria outlined by IndiGo HDFC Bank to determine if you qualify for the card.

5. How can I track the status of my 6E Rewards XL Credit Card application?

After submitting your application, you can track its status through the bank’s online portal or customer service. The bank will communicate the approval or rejection of your application and provide further instructions if necessary.