← Part of HDFC Credit Cards in India
The 6E Rewards IndiGo HDFC Bank Credit Card, discontinued for new applications as of 2026, offered a 2.6% value-back on co-branded spends and a free IndiGo ticket worth ₹1,500 as a welcome benefit. Existing cardholders can continue using their cards until October 31, 2025, when replacement cards will be issued, and the 6E Rewards program will be phased out from November 1, 2025.
| Parameter | Details |
|---|---|
| Card Type | Co-branded travel credit card |
| Issuing Bank | HDFC Bank |
| Airline Partner | IndiGo |
| Discontinuation Status (2026) | Discontinued for new applications. Existing cards valid until Oct 31, 2025. |
| 6E Rewards Program End Date | Phased out from November 1, 2025 |
| Joining Fee | ₹500 plus applicable taxes |
| Renewal Fee | ₹500 plus applicable taxes |
| Welcome Benefit | Free IndiGo ticket worth ₹1,500 (on joining fee payment and min. 3 transactions in each of first 3 months) |
| 6E Rewards on IndiGo Bookings | 2.5% (or 2.5 6E Rewards per ₹100 spent via IndiGo app/website) |
| 6E Rewards on Feature Partners | Up to 10% |
| 6E Rewards on Dining, Entertainment, Groceries | 2% |
| 6E Rewards on All Other Spends | 1% (excluding wallet re-load and fuel) |
| Value-back on Co-branded Spends | 2.6% (as per Paisabazaar, 2026) |
| Value of One 6E Reward Point | ₹1 |
| Reward Points Validity | 2 years from accrual date |
| Fuel Surcharge Waiver | 1% at all fuel stations across India |
| Contactless Payment Limit (India) | ₹5,000 per single transaction without PIN |
| Typical Credit Limit | 2 to 3 times the cardholder’s monthly income |
This card was designed for frequent IndiGo flyers, offering substantial value-back on airline spends and everyday categories, with rewards redeemable exclusively for IndiGo flights and services.
Card Discontinuation & Migration Timeline
HDFC Bank discontinued new applications for the IndiGo 6E Rewards and 6E Rewards XL Credit Cards in mid-2025. Existing cardholders received SMS and email communications on August 26, 2025, detailing the migration to alternative HDFC Bank credit cards.
The 6E Rewards program itself will be phased out from November 1, 2025, with a final redemption deadline of October 31, 2025.
| Event | Date/Details | Impact |
|---|---|---|
| Discontinuation of New Applications | Mid-2025 | HDFC Bank stopped accepting new applications for both 6E Rewards and 6E Rewards XL IndiGo credit card variants. |
| Migration Communication to Existing Customers | August 26, 2025 | SMS and email notifications sent to existing cardholders regarding the migration to new HDFC Bank credit cards. |
| Last Date for Existing Card Features & Benefits | October 31, 2025 | Cardholders can continue using their IndiGo 6E Rewards Credit Card until a replacement card is issued. |
| Last Date to Earn 6E Rewards | October 31, 2025 | No new 6E Rewards will be earned for transactions posted after this date. |
| Last Date to Redeem 6E Rewards | October 31, 2025 | All accumulated 6E Rewards must be redeemed via the IndiGo website or app by this date. |
| 6E Rewards Program Phased Out | November 1, 2025 | The entire 6E Rewards program associated with these cards will cease to operate. |
| Transfer of September 2025 Rewards | By October 15, 2025 | Rewards earned for transactions up to September 30, 2025, will be transferred to IndiGo accounts. |
| October 2025 Rewards Conversion | If posted after October 31, 2025 | Rewards for October 2025 transactions will be credited as IndiGo BluChip if posted after the program phase-out date. |
| Auto-Conversion of Unutilized 6E Rewards | November 1, 2025 | Any unredeemed 6E Rewards will be automatically converted to IndiGo BluChip in a 1:1 ratio. |
| Discontinuation of All Product Features | November 1, 2025 | All associated benefits, including complimentary tickets, travel privileges, and lounge access, will be discontinued. |
| Issuance of Replacement Cards | By October 31, 2025 | Existing customers will receive a new HDFC Bank credit card, such as Millennia, MoneyBack Plus, or Diners, as a replacement. |
| No Renewal of IndiGo Variants | Post October 31, 2025 | The IndiGo co-branded credit cards will not be renewed; only migrated cards will be issued. |
Cardholders should redeem all accrued 6E Rewards before October 31, 2025, to avoid automatic conversion to IndiGo BluChip.
Key Features & Benefits (Pre-Discontinuation)
The IndiGo HDFC Bank Credit Cards offered significant travel and lifestyle benefits before their discontinuation. Both the 6E Rewards and 6E Rewards XL variants provided accelerated reward points on IndiGo bookings and partner spends, alongside welcome benefits like complimentary flight vouchers.
Existing cardholders can continue to use these features until October 31, 2025, when replacement cards will be issued and the 6E Rewards program phased out from November 1, 2025.
| Type/Category | Details | Key Feature |
|---|---|---|
| Welcome Benefit (6E Rewards Card) | Free IndiGo ticket voucher worth ₹1,500 upon joining fee payment, after making at least 3 transactions in each of the first 3 months from card issuance. | Complimentary IndiGo Flight Ticket |
| Welcome Benefit (6E Rewards XL Card) | Complimentary IndiGo ticket voucher worth ₹3,000 upon making 3 transactions in each of the first 3 months after card issuance. | Higher Value Complimentary IndiGo Flight Ticket |
| Welcome Benefit (6E Rewards Card) | 1 6E Prime Add-On voucher worth ₹1,099 upon joining fee payment, offering services like complimentary meal, priority check-in, and choice of seat. | 6E Prime Add-On |
| Reward Program (6E Rewards Card) | 2.5% 6E Rewards on all transactions made through the IndiGo mobile app and IndiGo website. | Accelerated Rewards on IndiGo Spends |
| Reward Program (6E Rewards Card) | 10% 6E Rewards on all feature partners. | Bonus Rewards on Partner Spends |
| Reward Program (6E Rewards Card) | 1% 6E Rewards on all other spends (excluding wallet re-load and fuel). | Base Rewards on General Spends |
| Reward Program (6E Rewards XL Card) | Up to 5% value back on IndiGo spends. | Higher Rewards on IndiGo Spends (XL Card) |
| Reward Program (6E Rewards XL Card) | 3% 6E Rewards on daily categories like dining, groceries, and entertainment. | Accelerated Rewards on Daily Spends (XL Card) |
| Reward Program (6E Rewards XL Card) | 2% 6E Rewards on all expenses (excluding wallet re-load transactions and fuel spends). | Base Rewards on General Spends (XL Card) |
| Reward Redemption | 6E Rewards are redeemable against flight bookings through the IndiGo website or app; 1 6E Reward point equals ₹1. | Flexible Redemption for IndiGo Flights |
| Travel Privilege (6E Rewards XL Card) | Special convenience fee of ₹100 per person on all domestic flight bookings through the IndiGo mobile app or website. | Reduced Convenience Fee on IndiGo Flights |
| Lounge Access (6E Rewards XL Card) | 8 complimentary domestic lounge visits per year via the Mastercard Lounge program for primary cardholders. | Complimentary Domestic Lounge Access |
| Card Feature | Enabled for Contactless Payments at retail outlets, with a maximum limit of ₹5,000 per single transaction without a PIN in India. | Contactless Payment Facility |
| Security | Fraud protection is available on any fraudulent transactions if reported immediately to HDFC Bank’s 24-hour Call Centre. | Fraud Protection |
| Reward Points Validity | Reward points earned under the 6E Rewards Program are valid for 2 years from the date of accrual. | Standard Reward Point Validity |
These features made the IndiGo HDFC Bank Credit Cards attractive for frequent IndiGo flyers, offering substantial value-back on travel and everyday spending categories.
How 6E Rewards Redemption Works
The 6E Rewards program for IndiGo HDFC Bank Credit Cards will be phased out from November 1, 2025. Existing cardholders must redeem all accumulated 6E Rewards on the IndiGo website or app by October 31, 2025.
Rewards are transferred to the cardholder’s IndiGo account monthly and are valid for two years from the date of accrual.
- Redemption Channel: All 6E Rewards can only be redeemed through the IndiGo website (goindigo.in) or the IndiGo mobile application.
- Redemption Deadline: Cardholders have until October 31, 2025, to redeem their 6E Rewards before the program is fully phased out.
- Reward Transfer: Earned rewards are transferred to the linked IndiGo account at the end of each month.
- Reward Validity: Each 6E Reward point remains valid for a period of two years from its accumulation date.
- Redemption Value: One 6E Reward point is equivalent to ₹1 when redeemed for IndiGo flight bookings or 6E Add-ons and services.
- Eligible Redemptions: Rewards can be used for booking IndiGo flights, purchasing add-on services like complimentary meals, priority check-in, and seat selection.
- Discontinuation Impact: After October 31, 2025, any unredeemed 6E Rewards will expire and cannot be utilized.
- Migration Communication: HDFC Bank sent SMS and email communications to existing cardholders on August 26, 2025, detailing the migration process and redemption timeline.
Cardholders should monitor their IndiGo accounts to ensure all 6E Rewards are redeemed before the October 31, 2025, deadline.
Fees & Charges for IndiGo HDFC Cards
The IndiGo HDFC Bank Credit Cards, including both 6E Rewards and 6E Rewards XL variants, carry specific fees and charges as of 2026. The standard 6E Rewards card has a joining and renewal fee of ₹500 plus taxes, while the 6E Rewards XL card has a higher annual fee of ₹1,500 plus taxes.
These charges cover various services from card issuance to international transactions, impacting the overall cost of card ownership. Understanding these fees is for existing cardholders, especially given the ongoing discontinuation and migration process.
| Charge Type | Amount (₹) | Details |
|---|---|---|
| Joining Fee (6E Rewards IndiGo HDFC Bank Credit Card) | 500 | Plus applicable taxes |
| Renewal Charge (6E Rewards IndiGo HDFC Bank Credit Card) | 500 | Plus applicable taxes |
| Joining/Renewal Membership (6E Rewards XL IndiGo HDFC Bank Credit Card) | 1,500 | Plus applicable taxes |
| Balance Transfer Fee (6E Rewards IndiGo HDFC Bank Credit Card) | 1% of transferred amount or 250, whichever is higher | Plus applicable taxes |
| Foreign Transaction Markup Fee (6E Rewards IndiGo HDFC Bank Credit Card) | 3.5% of transaction amount | Applicable to foreign currency transactions |
| Convenience Fee on IndiGo Tickets (6E Rewards IndiGo HDFC Bank Credit Card) | 50 per passenger | Current fee is ₹300 per passenger for IndiGo tickets |
| Convenience Fee on IndiGo Tickets (6E Rewards XL IndiGo HDFC Bank Credit Card) | 100 per person | For all domestic flight bookings via IndiGo app/website |
| Annual Fee Waiver (6E Rewards XL IndiGo HDFC Bank Credit Card) | Not applicable | No annual fee waiver is offered on this card |
| UPI Transactions 6E Rewards CAP | 500 per calendar month | Not applicable for transactions on IndiGo website and App |
The foreign transaction markup fee of 3.5% is a significant charge for international spends, while the convenience fees on IndiGo tickets vary between the two card variants.
6E Rewards Vs. 6E Rewards XL
The 6E Rewards and 6E Rewards XL IndiGo HDFC Bank Credit Cards offered distinct benefits, with the XL variant providing d travel privileges and higher reward rates. Both cards are discontinued as of 2026, with existing cardholders migrated to new HDFC Bank cards by October 31, 2025.
| Feature | 6E Rewards IndiGo HDFC | 6E Rewards XL IndiGo HDFC |
|---|---|---|
| Joining Fee | ₹500 + applicable taxes | ₹1,500 + applicable taxes |
| Renewal Charge | ₹500 + applicable taxes | ₹1,500 + applicable taxes |
| Welcome Benefit (Flight Voucher) | ₹1,500 IndiGo flight voucher (on joining fee payment and min. 3 transactions in first 3 months) | ₹3,000 IndiGo flight voucher (on joining fee payment and min. 3 transactions in first 3 months) |
| Welcome Benefit (6E Prime Add-On) | 1 6E Prime Add-On worth ₹1,099 (complimentary meal, priority check-in, choice of seat) | 1 6E Prime Add-On (complimentary meal, priority check-in, choice of seat, quicker baggage) |
| Rewards on IndiGo Spends (App/Website) | 2.5% 6E Rewards (2.5 6E Rewards/₹100) | 5% 6E Rewards (5 6E Rewards/₹100) |
| Rewards on Dining, Grocery & Entertainment | 2% 6E Rewards | 3% 6E Rewards |
| Rewards on Feature Partners | Up to 10% 6E Rewards | Not specified (higher than base variant) |
| Rewards on All Other Spends | 1% 6E Rewards (excluding wallet re-load and fuel) | 2% 6E Rewards (excluding wallet re-load and fuel) |
| Complimentary Domestic Lounge Access | No | Yes (8 free lounge visits in India via Mastercard Lounge program for primary cardholders) |
| Convenience Fee on IndiGo Tickets | ₹50 per passenger (current – ₹300) | ₹100 per passenger (for domestic flight bookings via IndiGo app/website) |
| Foreign Transaction Fee | 3.5% of transaction amount | 3.5% of transaction amount |
| Minimum Monthly Income (Salaried) | ₹50,000 | ₹1.2 lakh |
| Minimum Annual ITR (Self-Employed) | ₹7.2 lakh | ₹14.4 lakh |
The XL variant offered a higher welcome flight voucher and superior reward rates across most spending categories, alongside complimentary domestic lounge access.
RBI Guidelines for Credit Card Holders
The Reserve Bank of India (RBI) sets full guidelines for credit card operations in India, ensuring consumer protection and fair practices. These regulations cover aspects like card issuance, billing, and grievance redressal, impacting all cardholders, including those with IndiGo HDFC Bank Credit Cards.
As of early 2026, digital credit card transactions have increased by 22% year-on-year, the importance of clear regulatory frameworks (Source: Reserve Bank of India).
- Card Issuance and Activation: Banks must obtain explicit consent before issuing a credit card. Cards cannot be activated without the cardholder’s consent, and any charges for unsolicited cards are prohibited.
- Billing Transparency: Credit card statements must be clear, providing full details of transactions, fees, and interest charges. Any changes to terms and conditions require prior notice to the cardholder.
- Interest Rates and Charges: Lenders must clearly communicate all fees, including joining, renewal, and late payment charges, along with the Annual Percentage Rate (APR). Foreign transaction fees for HDFC IndiGo Credit Cards are 3.5% of the transaction amount.
- Grievance Redressal: The RBI mandates a strong grievance redressal mechanism for all card issuers. Cardholders can escalate unresolved complaints to the Banking Ombudsman.
- Contactless Payment Limits: In India, contactless payments for a single transaction are capped at ₹5,000 without requiring a PIN, as per HDFC Bank guidelines for 2026.
These RBI guidelines ensure that credit card users are well-informed and protected, even as products like the IndiGo HDFC Credit Card undergo changes like discontinuation and migration.
Next Steps for Existing Cardholders
HDFC Bank discontinued the 6E Rewards IndiGo Credit Card and 6E Rewards XL IndiGo Credit Card variants, ceasing new applications as of 2026. Existing cardholders will receive a replacement HDFC Bank Credit Card by October 31, 2025, with migration communications sent via SMS and email on August 26, 2025.
- Review Migration Communication: Check your SMS and email inbox for detailed information from HDFC Bank regarding the migration to a new credit card. This communication was sent on August 26, 2025.
- Redeem 6E Rewards: Ensure all accumulated 6E Rewards are redeemed on the IndiGo website (goindigo.in) before October 31, 2025, as the 6E Rewards program will be phased out from November 1, 2025.
- Anticipate Replacement Card: Expect to receive your replacement HDFC Bank Credit Card by October 31, 2025. This new card will replace your existing IndiGo co-branded card.
- Understand New Card Features: Familiarize yourself with the features, benefits, fees, and charges of the new HDFC Bank Credit Card you receive. These details will be provided with your replacement card.
- Monitor Statements: Continue to monitor your credit card statements closely for any outstanding balances or changes related to the card migration.
- Contact HDFC Bank for Queries: If you have any questions about the discontinuation, migration, or your new card, contact HDFC Bank’s customer service for clarification.
Existing cardholders should act on these steps to ensure a smooth transition and full utilization of remaining 6E Rewards before the program ends.
Key Takeaways
- HDFC Bank discontinued the IndiGo co-branded credit cards, with new applications no longer accepted as of 2026.
- Existing cardholders must redeem all 6E Rewards by October 31, 2025, as the program concludes on November 1, 2025.
- Replacement HDFC Bank Credit Cards will be issued to existing cardholders by October 31, 2025, following migration communications sent on August 26, 2025.
For specific details on your card migration and new card features, refer to the official communications from HDFC Bank.
Frequently Asked Questions (FAQs)
Is the IndiGo HDFC Bank Credit Card still available in 2026?
No, HDFC Bank discontinued new applications for both the 6E Rewards IndiGo Credit Card and the 6E Rewards XL IndiGo Credit Card. Existing cardholders were migrated to other HDFC Bank credit cards, with communications sent via SMS and email on August 26, 2025. The 6E Rewards program itself was phased out from November 1, 2025.
What happened to existing IndiGo HDFC Credit Card holders?
Existing IndiGo HDFC Credit Card holders were migrated to alternative HDFC Bank credit cards. The bank sent out SMS and email notifications regarding this migration on August 26, 2025. Cardholders could continue using their existing cards until a replacement card was issued by October 31, 2025.
Can I still redeem 6E Rewards from my IndiGo HDFC Credit Card?
No, the 6E Rewards program was phased out from November 1, 2025. The last date to redeem 6E Rewards on the IndiGo website (goindigo.in) was October 31, 2025. Any unredeemed rewards after this date are no longer valid.
What were the main benefits of the 6E Rewards IndiGo HDFC Credit Card?
The 6E Rewards IndiGo HDFC Credit Card offered a free IndiGo ticket worth ₹1,500 upon joining and a 6E Prime Add-On worth ₹1,099. IT provided accelerated reward rates of 2.6% on IndiGo spends and 2% on dining, grocery, and entertainment categories. Rewards were redeemable against IndiGo flight bookings and services.
Did the 6E Rewards XL IndiGo HDFC Credit Card offer lounge access?
Yes, the 6E Rewards XL IndiGo HDFC Bank Credit Card, the upgraded version, offered complimentary lounge access benefits. This was a key differentiator from the standard 6E Rewards IndiGo HDFC Credit Card, which did not include lounge access.
What was the contactless payment limit for the IndiGo HDFC Credit Card in India?
The IndiGo HDFC Credit Card supported contactless payments with a maximum limit of ₹5,000 per single transaction in India. For transactions above this amount, cardholders were required to enter their Credit Card PIN.
How long were 6E Rewards valid for before the program ended?
Before the program’s discontinuation, 6E Rewards earned on the IndiGo HDFC Credit Card were valid for two years from the date of transfer to the IndiGo account. Rewards were typically transferred at the end of each month.
Disclaimer: This article is general information, not financial advice. Interest rates, fees, and eligibility change frequently. Verify current details with the lender or regulator (RBI / SEBI / IRDAI) before deciding.