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6E Rewards XL IndiGo HDFC Bank Credit Card
Visa
6E Rewards XL IndiGo HDFC Bank Credit Card
The premium sibling of HDFC's IndiGo co-brand card, aimed at IndiGo's frequent flyers with a ₹1.2 lakh/month income requirement — it roughly doubles the accelerated reward rate on airline spend to 5% and adds lounge access and richer welcome vouchers, at a correspondingly higher ₹1,500 joining / ₹2,500 renewal fee with no fee waiver.
Rates and fees last verified 15 July 2026 · No bank pays us to rank higher.
Annual fee
₹2,500
Joining fee
₹1,500
Reward type
points
Base reward rate
1.5%
Card network
Visa
Card tier
Mid
Who this card fits
Best suited to applicants who clear the standard eligibility bar whose spend is concentrated in travel. It's worth the annual fee mainly if your points value clears it.
Benefits by category
- 🍽️ Dining & food delivery
2% reward rate
- 🛒 Groceries
2% reward rate
- ✈️ Travel
5% reward rate · Complimentary domestic airport lounge access, positioned above the base 6E Rewards card
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum monthly income: ₹1,20,000
- Employment: salaried, self-employed
- Age: 21–60
Benefits
- IndiGo flight ticket worth ₹3,000 plus 6E Prime add-ons worth ₹1,099 (priority check-in, complimentary meal, seat selection) on card activation
- Complimentary domestic airport lounge access, positioned above the base 6E Rewards card
Pros
- + 5% value-back on IndiGo spends, among the richer airline co-brand rates in this segment
- + Richer welcome benefit: a ₹3,000 flight ticket plus 6E Prime perks
- + Complimentary lounge access absent from the base 6E Rewards variant
Cons
- − No annual fee waiver on spend — the ₹2,500 renewal fee is a fixed recurring cost
- − High ₹1.2 lakh/month salaried income requirement limits eligibility
- − Value depends heavily on redeeming points for IndiGo flights specifically