HDFC Bank 6E Rewards IndiGo HDFC Bank credit card
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6E Rewards IndiGo HDFC Bank credit card

2.5% back on IndiGo, 2% on grocery, dining and entertainment as 6E Rewards.

35
Personal score35/100● Weak fit
Recurring net savings₹3,737/yrafter fee, GST and caps · bills paid in full
First-year value₹4,647incl. ₹1,500 welcome, ₹590 joining fee
Effective savings rate1.1%on ₹3,26,640 card spend · 6% = full marks
Annual fee (incl. GST)Waived ₹590waiver at ₹1,00,000 spend
Lounge access✈ noneyou can use 0 of your visits
PersonaliseOfficial page ↗

Source: HDFC Bank – 6E Rewards IndiGo HDFC Bank product page · last reviewed 2026-09-12

Standard profile
Scored for Typical Indian cardholder · ₹32k/monthBills paid in full · first-year offers shown separately · set up your profile to score cards for your own spend

Why it fits – and what to watch

hover any tile for the detail
₹1,901/yr2% on grocery, dining, entertainment
Waived₹590 fee
0/2lounge visits covered
1/1lifestyle perks matched
₹36,000earns nothing (fuel)

! No usable lounge access although you asked for it.

Where the money comes from

₹3,737/yr · 1.1%
2% on grocery, dining, entertainmenton ₹95,040₹1,901
Base rate 1% on other spendson ₹1,47,600₹1,476
Excluded categories (no rewards)on ₹84,000₹0
Fuel surcharge waiver₹360

UPI QR spend is left out – not a RuPay card (UPI is counted once, on RuPay cards only).

How ₹3,737/yr is calculated
6E Rewards IndiGo HDFC Bank
+ Reward value on your spendat ₹1/6E Rewards realistic value
₹3,377
+ Fuel surcharge waiver1% up to ₹250/month
₹360
+ Annual fee incl. 18% GSTwaived – ₹590 at ₹1,00,000 spend
₹0
= Recurring net savings
₹3,737/yr
÷ card spend counted UPI-only rupees excluded on non-RuPay cards
₹3,26,640
= Effective savings rate
1.1%

How the score of 35 is built

weights total 100% · methodology
Net savings rate23/100 × 55%12.8
Usable lounge access0/100 × 15%0.0
Redemption flexibility40/100 × 10%4.0
Lifestyle fit100/100 × 10%10.0
Simplicity60/100 × 5%3.0
Fee safety100/100 × 5%5.0

Airport lounges with this card

This card has no complimentary lounge access. Find cards that get you in →

What changed on this card

  1. New feeHDFC Bank

    HDFC Bank: 1% fee on rent, high utility and gaming spends; insurance reward caps

    From 1 July 2025 HDFC cards charge 1% (capped at ₹4,999 a month) on rent payments, on all utility transactions once monthly utility spend crosses ₹50,000 on personal cards, and on online skill-based gaming above ₹10,000 a month (gaming also earns no points). Insurance reward points are capped at 10,000 a month on Infinia, 5,000 on Diners Black and 2,000 on other cards.

    Cards: Infinia Metal, Diners Club Black Metal, Regalia Gold, Regalia, Millennia, Swiggy HDFC Bank, Tata Neu Infinity HDFC Bank, Tata Neu Plus HDFC Bank +10 more · Source: Business Standard – HDFC credit card users alert: new fees, reward caps from July 1 · verified 2026-09-19

All credit card changes →

Card facts

💳 Base earn1%value on eligible spend
⚡ Accelerated2.5% 2.5% on IndiGo bookings2% 2% on grocery, dining,…
🚫 No rewards onfuelrentutilitiesinsuranceeducation
🏷️ Fees₹590/yr incl. GSTwaived on ₹1,00,000 spend · joining ₹500
🎁 Welcome (year 1)≈ ₹1,5001,500 6E Rewards + IndiGo discount voucher
🏁 Milestonesnone
✈️ Lounge✈0 dom🌏0 intlNone
🌏 Forex markup3.5%+ GST on the markup
🔁 Redemption₹1/6E Rewards ★★☆☆☆1 6E Reward = ₹1 on IndiGo flights and add-ons.
🧩 Simplicity★★★☆☆a few caps to track
🎯 Lifestylefuel waiver
🪪 EligibilityIncome ₹3L+/yr

At a glance

  • Rewards spend like cash on IndiGo
  • Cheap fee
  • Everyday 2% categories
  • Rewards only on IndiGo
  • No lounge on base variant
  • Bills excluded

Compare 6E Rewards IndiGo HDFC Bank with

Community Q&A on the 6E Rewards IndiGo HDFC Bank

Threaded questions from cardholders · the Advisor can add a computed answer.

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Frequently asked questions

What is the annual fee of the 6E Rewards IndiGo HDFC Bank?

Joining fee ₹500 and renewal fee ₹500, plus 18% GST (₹590 a year). The renewal fee is waived if you spend ₹1,00,000 in the card year.

Does the 6E Rewards IndiGo HDFC Bank give airport lounge access?

No lounge access. None.

How much can I save with the 6E Rewards IndiGo HDFC Bank?

For our example profile (Typical Indian cardholder (₹32k/month)) the recurring net saving is ₹3,737 a year, an effective savings rate of 1.1% after the fee. Use Find My Card to see your own number – it depends on where you spend and which caps you hit.

What are the 6E Rewards IndiGo HDFC Bank's reward exclusions and caps?

No rewards on fuel, rent, utilities, insurance, education. No monthly caps on the main earn rates.

Sources

Reviewed 2026-09-12. Point values are our realistic estimates – see methodology. Also: 6E Rewards IndiGo HDFC Bank lounge access by airport · all HDFC Bank cards · change log.