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HDFC Bank

6E Rewards IndiGo HDFC Bank Credit Card

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Premium · Discontinued · Earns points

HDFC Bank no longer offers this card. The bank’s own page says: “HDFC Bank Indigo 6E Rewards Credit Card and HDFC Bank 6E Rewards XL Credit Card is discontinued.”

Open alternatives

First-year fee

₹500 + GST

Annual fee

₹500 + GST

Read from 3 HDFC Bank documents, last checked 29 Sep 2026.

Fees

  • Renewal feeJoining fee

    ₹500 + GST

  • Add-on card fee

    ₹0

Rewards

  • What one reward unit is worth

    Value of IndiGo BluChips may vary depending on flight route and time of booking.

  • Point expiry

    6E Rewards redeemable on IndiGo website till 31st Oct'25; unutilised balance auto-converted to IndiGo BluChip in 1:1 ratio on 1st Nov'25

  • Online earning

    Not offered via third-party apps like CRED, Cheq, MobiKwik, etc for education payments

  • Rent earning

    Not offered

  • Government spend earning

    Not offered

Also included

  • Lost card liability

    Available on any fraudulent transactions made on your Credit Card if reported immediately to HDFC Bank’s 24-hour Call Centre.

  • Balance transfer terms

    1% processing charge

  • Fuel surcharge waiver

    Not offered

Charges

  • Forex markup

    3.5% on foreign currency transactions.

  • Dynamic currency conversion markup

    With effect from 15th May 2026, a Markup fee of 1 .75 % will be levied on all transactions carried out in Indian Currency at an international location or at merchants which are located in India but registered overseas

  • Cash advance fee

    2.5% or 500 whichever is higher.

  • Cash advance interest

    All cash advances also carry a finance charge equal to charges on revolving credit.

  • Cash withdrawal limit

    Cash withdrawal limit: 40% of the Credit Limit.

  • Interest on unpaid balance

    3.75% per month (i.e., 45% per annum)

  • Interest-free period

    Up to 50 days

  • Payment return or dishonour fee

    Payment Return Charges: 2% of Payment.

  • Statement or duplicate statement fee

    Duplicate physical statement charges: 10 per duplicate physical statement.

  • Cash payment / cash deposit fee

    Cash Processing Fee: 100 (for all card payments made by depositing in HDFC Bank branches or ATMs)

  • Education / school fee charge

    1% fee will be levied on Education transactions done through third party applications.

  • Fee on online skill-based gaming spends

    1% fee will be levied on Online Skill based gaming spends exceeding ₹10,000 in a calendar month.

  • Reward redemption fee

    ₹99 per redemption request

  • Wallet load charge

    1% fee will be levied on Wallet loading spends exceeding ₹10,000 in a calendar month.

  • Fuel transaction fee

    1% fee will be levied on Fuel transaction exceeding — ₹15,000 for consumer cards.

  • Rent transaction fee

    1% fee on transaction amount, capped at ₹4,999 per transaction.

Eligibility

  • Income requirement

    Salaried: gross monthly income above ₹50,000.

  • Income, self-employed

    Annual ITR > ₹7,20,000

  • Residency

    Indian

In the terms, not the brochure (1)

  • Whether carrying a balance ends the interest-free period

    This period will be free of interest only if all previous dues are paid in full and there is no unpaid balance carried over from previous months.

How we know - 3 documents from HDFC Bank, checked 29 Sep 2026

3 documents from HDFC Bank, checked 29 Sep 2026.

  • Fees and charges pageProof
  • Card pageProof
  • MITC and Key Fact Statement v4.14, 9 Oct 2026Proof