IndiGo HDFC Bank 6E Rewards XL Credit Card

HDFC Bank · Discontinued

HDFC's premium IndiGo co-brand card: 5 6E Rewards per ₹100 on IndiGo bookings, 3 on dining, groceries and entertainment and 2 on other spends, redeemable at ₹1 each on IndiGo, with 8 domestic lounge visits a year and a 2.5% forex mark-up, for ₹1,500 a year. Discontinued: holders were moved to other HDFC cards and all features ended on 1 December 2025.

Annual fee
₹1,500 + GST a year
Joining fee
₹1,500 + GST
Base rate
2 6E Rewards per ₹100 on all other spends: 2 6E Rewards per ₹100 (about 2% at cash value)
Lounges
Domestic: 2 visits a calendar quarter
Forex markup
2.5%
Data
From bank documents, checked 24 Oct 2026

Main earn rates

  • 5 6E Rewards per ₹100 on IndiGo bookings: 5 6E Rewards per ₹100 (about 5% at cash value)
  • 3 6E Rewards per ₹100 on dining and entertainment: 3 6E Rewards per ₹100 (about 3% at cash value)
  • 3 6E Rewards per ₹100 on groceries, up to 2,000 a month: 3 6E Rewards per ₹100 (about 3% at cash value)

Earns nothing on

  • No 6E Rewards on fuel
  • No 6E Rewards on wallet loads
  • No 6E Rewards on EasyEMI; they are reversed if a purchase is converted to SmartEMI
  • No 6E Rewards on rent or government payments (from 1 January 2023)
  • No 6E Rewards on education fees paid through third-party apps (from 1 September 2024)
  • No 6E Rewards on online skill-based gaming (from 1 July 2025)

Where the sources disagree

  • earn rates: The XL product page says "2% 6E Rewards on spends across Grocery, Dining & Entertainment" and "1% 6E Rewards on all other spends", which are the ₹500 card's rates in HDFC's launch release. HDFC's travel listing ("5% 6e Rewards On Indigo Bookings", "2% 6e Rewards On All Other Expenses") and HDFC's launch release for the XL (5% IndiGo, 3% dining, entertainment and grocery, 2% other except fuel and wallet) agree with each other, so their rates are used. No MITC or KFS states the XL's earn rates; the co-branded MITC's 2,000-a-month grocery cap fits a 3% rate.
  • welcome ticket: The launch release (2020) says a complimentary air ticket worth ₹3,000 on activation for the XL; the current XL page says ₹1,500. The page is used.
  • start of the new fee: The fees page says ₹1,500 applies to cards issued from 7 September 2022; the product page says 7 November 2022 ("effective 07.11.2022").
  • fuel surcharge waiver: MITC v4.15 says the fuel surcharge waiver is not applicable; the co-branded MITC v3.9 (8 May 2026) says 1% with a ₹500 maximum per statement cycle. The later, card-specific MITC is used.
  • end of features: The product page says features last until 31 October 2025 or migration, whichever is earlier, and "effective 1st Nov'25, all the product features and associated benefits will be discontinued"; MITC v4.15 says "Effective 1st Dec'25". The MITC date is used for status_since.

Terms the calculator does not value

  • The card is discontinued: HDFC ended all features on 1 December 2025 and moved holders to other HDFC cards. The terms are the last published ones and no new card can be had.
  • Up to 15% 6E Rewards on Featured Partner transactions (launch release); partners and terms not published.
  • The ₹1,000 PayZapp cashback on shopping across 200+ brands that the XL page mentions is not modelled (offer terms not read).
  • MITC reward caps on insurance (clause e), utilities and telecom (clause n) are not entered: the card is discontinued and its terms are no longer in force. MITC v4.15 (snapshot 872, lines 369-371 and 382-383): "Indigo HDFC Bank 6E Rewards/6E Rewards XL Credit Card is discontinued. Bank is not accepting any new applications for these card variants. Existing active cardholders have already been migrated to another HDFC Bank Credit Card" and "Effective 1st Dec’25, all the product features and associated benefits have been discontinued on these variants".
  • SmartBuy accelerated earn (the chart's "Other credit card (CashBack)" column, for cards it does not name) is not entered: all features of this card ended on 1 December 2025 (MITC v4.15, snapshot 872, line 382: "Effective 1st Dec’25, all the product features and associated benefits have been discontinued on these variants"), so no holder earns on SmartBuy with it.

Sources

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