6E Rewards IndiGo HDFC Bank Credit Card
The 6E Rewards IndiGo HDFC Bank Credit Card is a special credit card made by HDFC Bank and IndiGo Airlines. It comes with a low joining fee of ₹500 and gives you reward points for almost everything you spend on. You earn 1% rewards on regular purchases, 2% on food, groceries, and entertainment, and 2.5% on IndiGo flight bookings. You also get discounts on convenience fees when you book IndiGo flights. Plus, if you use the card enough in the first 3 months, you can get a free IndiGo flight ticket.
This card is a great option if you travel often with IndiGo. You get more rewards for IndiGo bookings, and every 6E Reward you earn is equal to ₹1 when you use it to book IndiGo tickets. This card also gives up to 40% off discounts at top restaurants in big cities. Along with that, it offers travel benefits like vouchers for priority check-in, faster baggage claim, free meals, and preferred seats. Overall, it’s a smart choice if you want to save money on travel and daily spending.
Rewards and Benefits
Fees & Charges
What should you consider before applying for a credit card in India?
Key Considerations Before Applying for a Credit Card in India:
- Eligibility Criteria: Ensure you meet the eligibility requirements, which typically include age, income, credit score, and employment status as defined by the issuing bank or financial institution.
- Credit Score: A strong credit score can significantly improve your chances of approval and result in more favorable terms, such as lower interest rates or higher credit limits. Verify that your credit score is healthy before applying.
- Interest Rates and Fees: Compare the annual percentage rates (APR), processing fees, late payment penalties, and foreign transaction charges associated with various cards. These costs can vary widely and impact the overall value of the card.
- Rewards and Benefits: Evaluate the rewards, cashback, discounts, or other perks offered by the card to ensure they align with your spending patterns. Some cards may provide better benefits in specific categories, such as travel, shopping, or dining.
- Credit Limit: Review the credit limit offered by the card to ensure it meets your financial needs. Avoid applying for cards with excessive limits if you are concerned about managing debt, as this can lead to higher interest charges.
- Repayment Terms: Understand the repayment structure, including the minimum payment amount, payment due dates, and any associated penalties. Being clear about these terms can help you manage payments effectively and avoid interest buildup.
- Card Type and Features: Choose a card type that matches your specific needs—whether standard, premium, or specialized cards like those offering travel rewards or dining privileges. Ensure the features of the card align with your lifestyle and spending habits.
- Bank’s Reputation: Opt for a financial institution with a proven reputation for customer service and transparency. Consider researching customer reviews and assessing their support channels to ensure reliable service.
- Hidden Charges: Be aware of any hidden fees, including annual fees, balance transfer charges, foreign transaction fees, or cash withdrawal charges. These can add up over time and affect the overall cost-effectiveness of the card.
- Credit Utilization: Maintain a balance within your credit limit to avoid high credit utilization ratios, which can negatively impact your credit score. Responsible use of credit is essential for maintaining financial health.
- Long-Term Financial Plans: Consider how the credit card fits into your overall financial strategy. Avoid accumulating unnecessary debt and choose a card that supports your long-term financial goals without adding financial strain.
What is the 6E Rewards Program all about?
It's a rewards program by IndiGo and HDFC Bank where you earn points on every purchase. These points can be used for flight bookings and offers from partner brands.
Can I use 6E Rewards points like frequent flyer miles?
Not exactly. It’s not a frequent flyer program, but you can still use your 6E points to get discounts on IndiGo flights.
How can I redeem my 6E Rewards points?
You can redeem them on the IndiGo website after logging in and verifying your mobile number and email.
How long are 6E Rewards points valid?
Points you earn under the 6E Rewards Program stay valid for 24 months from when they're added to your account.
What benefits are included in the free welcome voucher?
The welcome voucher gives you a free meal, preferred seat selection, priority check-in, and quicker baggage delivery on IndiGo flights.
Is the annual fee for this card waived under any conditions?
No, the card does not offer an option to waive the annual or renewal fee.
What are the charges for withdrawing cash using this credit card?
You’ll be charged 2.5% of the amount withdrawn or ₹500—whichever is higher—for cash advances.
How can I get the free IndiGo ticket benefit?
Make at least one transaction per month for the first 3 months—totaling three transactions—to qualify for a free IndiGo ticket worth ₹1,500.
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