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

Feature	Description
Welcome Benefit	One complimentary coupon for an airline ticket worth INR 1,500 Conditions for a free airline ticket: The consumer must pay the joining membership fee and complete at least three transactions in each of the first three months following the day the card was issued. The client will not be eligible for the benefit if they have a Lifetime Free/First Year Free card or have received a charge reversal. Benefits may be available on the IndiGo app. These benefits are valid for six months after they are posted. One complimentary 6E Prime Add-On worth INR 1,099: priority check-in, choice of seat, a complimentary meal Eligibility criteria for complimentary 6E Prime add-on: Customer has to pay the joining membership fee. If the customer is holding a Lifetime Free/First-year free card or has been provided fee reversal, he/she will not be eligible for the benefit. Benefits can be availed on the IndiGo app. The validity of these benefits is 6 months from the date posted. To avail of the welcome benefits, the customer must activate the card within 30 days from the opening date.  Click here to learn how to activate your card.
6E Rewards Program	2.5 6E Rewards per ₹100 spent on flights bookings on IndiGo App/Website 2 6E Rewards per ₹100 spent on Grocery, Dining, & Entertainment (Grocery capping of 2000 RP in a month effective 1 April 23) 1 6E Reward per ₹100 on all other spends For detailed Terms and conditions and Fair Usage Policy, Click here.
Fuel Surcharge Waiver	Get a 1% fuel surcharge waiver at petrol stations across India. The HDFC IndiGo credit card waives the fuel surcharge on transactions over Rs 400, up to a maximum of Rs 250 per statement cycle.
Foreign Currency Markup	Markup fee of 3.5% on all foreign currency transactions.
Zero Lost card liability	In the unfortunate event of losing your 6E Rewards - IndiGo HDFC Bank Credit Card, on reporting it immediately to our 24-hour call centre, you have zero liability for any fraudulent transactions made on your Credit Card.
Interest-Freee Credit Period	Up to 50 days of interest-free period on your 6E Rewards, IndiGo HDFC Bank Credit Card, from the date of purchase (subject to the submission of the charge by the Merchant)
Revolving Credit	Enjoy Revolving Credit on your 6E Rewards, IndiGo HDFC Bank Credit Card, at the nominal interest rate.
Mastercard Offers & Benefits	You can enjoy a range of exciting offers and benefits curated by Mastercard on your 6E Rewards-IndiGo HDFC Bank Credit Card. The offers are from various categories, including travel, dining, shopping, and more. Explore more about these offers at https://specials.priceless.com/en-in/homepage.
Contactless Payment	6E Rewards—IndiGo HDFC Bank Credit Card enables contactless payments, facilitating fast, convenient, and secure payments at retail outlets. To see if your card is contactless, look for the contactless network symbol on your card. (Please note that in India, payment through contactless mode is allowed for a maximum of ₹5000 for a single transaction where you are not asked to input your Credit Card PIN. However, if the amount is higher than or equal to ₹5000, the cardholder has to enter the Credit Card PIN for security reasons.)
Smart EMI	6E Rewards - IndiGo HDFC Bank Credit Card can convert your big spending into EMI after purchase. To know more, click here.

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

Visit the HDFC Bank Website: Navigate to the credit cards section and select the HDFC IndiGo Credit Card.
Fill Out the Application Form: Enter your personal, professional, and income details accurately.
Upload Documents: Submit scanned copies of your Aadhaar card, PAN card, and income proof.
Verification Process: HDFC Bank will review your application and conduct background verification.
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:

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

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

How to Make Payments for HDFC IndiGo Credit Card?

Online Payment Methods:

Payment Method	Description
HDFC Net Banking	Direct payment via a linked HDFC account.
Auto-Debit Facility	Set up automatic payments for bill clearance.
NEFT/IMPS	Transfer funds from another bank.
Mobile Wallets	Pay via Paytm, Google Pay, or PhonePe.
Bill Desk	Use third-party payment gateways.

Offline Payment Methods:

Cheque Deposit at HDFC Bank branches.
Cash Deposit at an HDFC ATM or bank counter.

HDFC IndiGo Credit Card Charges & Fees

Category	Charge/Fee
Joining Fee	₹500 /- + Applicable Taxes ( Effective 7th Nov’22, the Joining/ Renewal Membership Fee is revised to ₹500/- + Applicable Taxes from ₹700+Applicable Taxes. Hence, for the cards issued after 7th Nov’22, a Joining/ Renewal Membership Fee of ₹500/- + Applicable Taxes will be levied. For cards issued before 7th Nov’22, a joining fee of ₹700/- + Applicable Taxes was levied. However, the renewal fee will be ₹500/- + Applicable Taxes.) If applicable, the Joining Fees will be levied on the 120th day of the card issuance and Renewal Fees will be levied every year at the start of every anniversary year.
Annual Fee	₹500 (waived on ₹3,00,000 annual spending)
Interest Rate	3.6% per month (43.2% annually) Rahul’s Credit Card Bill Example Rahul has an HDFC IndiGo Credit Card and uses it for everyday expenses. In June, he spends ₹20,000 on shopping and travel. When his statement is generated, he forgets to pay the full amount and only makes a minimum payment of ₹1,000. Since he has not paid the full balance, the remaining ₹19,000 will start accumulating interest at 3.6% per month. Let us see how much he owes if he does not pay it off for three months: July: ₹19,000 × 3.6% = ₹684 (new total: ₹19,684) August: ₹19,684 × 3.6% = ₹708.62 (new total: ₹20,392.62) September: ₹20,392.62 × 3.6% = ₹734.14 (new total: ₹21,126.76) After three months, Rahul’s outstanding balance has increased from ₹19,000 to ₹21,126.76, adding over ₹2,100 in interest charges—and it will keep growing until he clears the full amount. Lesson: To avoid high interest, always try to pay the full amount or as much as possible before the due date.
Foreign Currency Markup	3.5% of the transaction amount
Late Payment Charges	₹100 to ₹1,300 based on due amount
Cash Advance Charges	2.5% of the amount withdrawn is subject to a minimum charge of Rs. 500.

Customer Care & Support

If you face any issues regarding your HDFC IndiGo Credit Card, you can contact customer care through the following channels:

Toll-Free Number: 1800 202 6161
Email Support: customerservices.cards@hdfcbank.com
Nearest Branch: Visit any HDFC Bank branch for in-person assistance.

Conclusion

The HDFC IndiGo Credit Card is an excellent choice for frequent travellers, offering 6E Rewards, discounted flights, and exclusive travel perks. With a low annual fee, complimentary lounge access, and substantial travel savings, this card is valuable for IndiGo flyers. By effectively utilising reward points and benefits, cardholders can maximise their savings and enjoy a seamless travel experience.

FAQs Related to HDFC IndiGo Credit Card

1. What is the annual fee for the HDFC IndiGo Credit Card?

The annual fee is ₹500 + GST. However, it is waived if the yearly spending exceeds ₹3,00,000.

2. How can I redeem 6E Rewards?

6E Rewards can be redeemed for IndiGo flight discounts, hotel stays, dining offers, and gift vouchers.

3. Can I use the HDFC IndiGo Credit Card for international transactions?

Yes, but foreign currency transactions incur a 3.5% markup fee.

4. Is there a fuel surcharge waiver?

Yes, there is a 1% fuel surcharge waiver at all fuel stations across India.

5. How can I apply for this card?

You can apply online through the HDFC Bank website or visit the nearest HDFC branch.

The HDFC IndiGo Credit Card is the perfect companion for frequent travellers, offering great savings, exclusive discounts, and effortless travel experiences. Apply today and start enjoying premium travel benefits!