HDFC Indigo Credit Card – Travel Benefits, Fees & Rewards

Meet Harshit, a frequent flyer with a monthly salary of ₹80,000. Previously, he earned just ₹1,200 in cashback on his ₹1,20,000 annual IndiGo flight bookings. But after switching to the HDFC IndiGo Credit Card, his savings soared.

With 2.5% 6E Rewards on IndiGo bookings, he now earns ₹3,000 in rewards. Add another ₹2,200 from everyday spending like dining and groceries, and he accumulates ₹5,200 in redeemable rewards. Plus, he enjoys a complimentary flight ticket worth ₹1,500, a free 6E Prime add-on (₹1,099) for priority perks, and ₹600 saved on fuel surcharges.

Since his annual spending exceeds ₹3,00,000, his ₹500 yearly fees are waived, bringing his total savings to nearly ₹9,000, which is enough to cover a domestic flight!

The HDFC IndiGo Credit Card is your perfect travel companion if you love travelling smart. Keep reading to unlock its full benefits!

What is the HDFC IndiGo Credit Card?

The HDFC IndiGo Credit Card is a co-branded credit card that offers exclusive travel benefits, making it ideal for frequent flyers of IndiGo Airlines. The card provides 6E Rewards, discounts on IndiGo flights, priority check-in, free meal options, and other lifestyle perks. With its competitive annual fees and a range of privileges, this card ensures affordability and convenience for regular travel.

In this blog, we will discuss this credit card in detail, highlighting its key features and benefits, step-by-step instructions on how you can easily apply for the card, and much more.

Features of the HDFC IndiGo Credit Card

Benefits of Using the HDFC IndiGo Credit Card-Examples

1. 6E Rewards

Scenario 1: Frequent Flyer Booking IndiGo Flights

Arjun, a business consultant, frequently books flights via the IndiGo App/Website for client meetings. Over a year, he spends ₹1,00,000 on flight bookings.

With the 2.5 6E Rewards per ₹100 spent, he earns:
(₹1,00,000 ÷ 100) × 2.5 = 2,500 reward points

These 2,500 points can be redeemed for IndiGo flight discounts, allowing Arjun to reduce the cost of his next booking.

Scenario 2: Monthly Grocery & Dining Expenses

Riya, a working professional, uses her HDFC IndiGo Credit Card for groceries, dining out, and weekend entertainment. Every month, she spends:

• ₹10,000 on groceries
• ₹5,000 on dining and entertainment

With 2 6E Rewards per ₹100 spent, she earns:

• Groceries: (₹10,000 ÷ 100) × 2 = 200 points (capped at 2,000 points/month)
• Dining & Entertainment: (₹5,000 ÷ 100) × 2 = 100 points

Total monthly earnings: 300 reward points
Total annual earnings: 3,600 reward points, which she can use for flight discounts or IndiGo services.

Scenario 3: Everyday Spending on Miscellaneous Purchases

Sameer, a frequent traveller, also uses his HDFC IndiGo Credit Card for various daily expenses, such as shopping, fuel, and subscriptions. Over a year, he spends:

• ₹1,20,000 on general expenses (non-flight, non-grocery, non-dining)

With 1 6E Reward per ₹100 spent, he earns:

(₹1,20,000 ÷ 100) × 1 = 1,200 reward points

These points can be combined with his other rewards for discounts on IndiGo flights.

Total Annual 6E Rewards Earnings Example

If users like Riya or Sameer combine all the above spending patterns, they could accumulate 7,300+ 6E Rewards points annually, translating into significant savings on future travel with IndiGo!

2. Fuel Surcharge Waiver

If Pratik spends ₹5,000 on fuel monthly, a 1% surcharge waiver results in annual savings of ₹600.

3. Zero Annual Fee (On Meeting Spend Criteria)

If Riya’s annual spending exceeds ₹3,00,000, the ₹500 yearly fee is waived.

Eligibility Criteria 

6E Rewards: IndiGo HDFC Bank Credit Card Eligibility:

For Salaried Indian Nationals

• Age: Min 21 years & Max 60 Years
• Gross Monthly Income> Rs 50,000

For Self Employed Indian national

• Age: Min 21 years & Max 65 Years
• Income: ITR > Rs 7.2 Lakhs per annum

How to Apply for the HDFC IndiGo Credit Card?

Online Application Process

1. Visit the HDFC Bank Website: Navigate to the credit cards section and select the HDFC IndiGo Credit Card.
2. Fill Out the Application Form: Enter your personal, professional, and income details accurately.
3. Upload Documents: Submit scanned copies of your Aadhaar card, PAN card, and income proof.
4. Verification Process: HDFC Bank will review your application and conduct background verification.
5. Approval and Dispatch: Upon approval, the card will be dispatched to your registered address.

Benefits of Online Application:

• Faster processing and approval time.
• Convenient and paperless documentation.
• Track your application status online.

Offline Application Process:

1. Visit an HDFC Bank Branch: Locate your nearest branch using the HDFC Bank website or Google Maps.
2. Speak to a Bank Representative: Request details about the HDFC IndiGo Credit Card and ensure you meet the eligibility criteria.
3. Fill Out the Application Form: Complete the physical application form provided by the bank.
4. Submit Required Documents: Provide copies of your Aadhaar card, PAN card, proof of income, and any other necessary documents.
5. Verification and Processing: The bank will verify your details and assess your application.
6. Approval and Card Dispatch: If approved, the credit card will be sent to your registered address.

Benefits of Offline Application:

• Personalised assistance from bank staff.
• Immediate resolution of queries.
• Option to submit physical documents directly.

How to Redeem 6E Rewards?

One of the most significant advantages of the HDFC IndiGo Credit Card is the 6E Rewards program, which allows users to earn and redeem points effortlessly.

6E Rewards Redemption & Validity

To redeem the 6E Rewards, follow these steps:

• 6E Rewards earned during a calendar month will be credited to your IndiGo account at the end of each month; 6E Rewards will be posted in the Indigo account within 60 days of the end of the calendar month; please visit the Indigo website and log in with your registered mobile number and password. 
  
  The rewards can only be used for flight reservations and 6E Add-ons & services through your IndiGo account; 
  
  
• 6E Rewards are valid for two years from the month in which they were posted; 1 6E Reward = INR 1;
  
  
• Redeeming 6E Rewards will incur a service or redemption fee and applicable taxes in compliance with government regulations.

Note: 6E Rewards and IndiGo BluChip Accounts are managed separately. To use Voucher, Credit Shell & 6E Rewards,

6E Rewards validity:

• 6E Rewards are valid for 2 years starting from the month rewards were poste

How to Track HDFC IndiGo Credit Card Transactions?

Step-by-Step Guide:

1. Log into HDFC Net Banking using your credentials.
2. Navigate to Credit Cards > View Transactions.
3. Select your HDFC IndiGo Credit Card.
4. View statement, due dates, and rewards summary.
5. Download e-statements for monthly expense tracking.

How to Make Payments for HDFC IndiGo Credit Card?

Online Payment Methods: