HDFC
HDFC 6E Rewards Indigo Credit Card
This card is no longer offered by bank
This card is no longer sourceable
This card is no longer offered by bank
Top Benefits
2.5 6E Rewards per ₹100 Spent
on flights booked on the IndiGo App/Website
Earn 2 6E Rewards per ₹100 Spent
on Grocery, Dining & Entertainment Capped at 100 6E Rewards per month across Grocery, Dining, and Entertainment spends combined
Best For
Travel
If you find yourself frequently booking flights on IndiGo for business or weekend getaways, the HDFC ...
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If you find yourself frequently booking flights on IndiGo for business or weekend getaways, the HDFC ...
If you find yourself frequently booking flights on IndiGo for business or weekend getaways, the HDFC 6E Rewards Indigo Credit Card offers a straightforward way to cut down your travel expenses. For a modest joining fee of Rs. 500, this co-branded credit card provides massive upfront value, making it an excellent entry-level option for regular domestic flyers.
This card targets salaried professionals earning at least Rs. 50,000 per month and self-employed individuals earning Rs. 7.2 lakhs annually. What sets it apart from generic cashback cards is its targeted reward system. Instead of giving you points you might never use, every point you earn translates directly to Rs. 1 off your next IndiGo flight. By keeping the annual fee low and offering specific travel perks like priority check-in add-ons, HDFC and IndiGo have created a practical tool for the budget-conscious traveler.
View FAQ
Commonly Asked Questions
Is the HDFC 6E Rewards Indigo Credit Card lifetime free?
No, this card is not lifetime free. It comes with a joining fee of Rs. 500 and an annual renewal fee of Rs. 500 plus applicable taxes.
Who should apply for this credit card?
This card is perfect for frequent domestic travelers who prefer flying with IndiGo. If you book at least two or three IndiGo flights a year, the welcome benefits and flight-specific rewards make it highly beneficial.
Is this a good first card for building a credit profile?
Yes, with an accessible minimum income requirement of Rs. 50,000 per month and a low annual fee of Rs. 500, it serves as a solid choice for young professionals looking to build their credit history while enjoying travel perks.
Expert Review
The HDFC 6E Rewards Indigo Credit Card does exactly what it says on the tin: it rewards you for flying IndiGo. As a financial expert, I highly appreciate credit cards that make their value proposition clear. With a joining fee of just Rs. 500, the bank is practically giving you Rs. 2,600 in flight and priority check-in vouchers, ensuring you start your journey with a massive profit.
The reward rate of 2.5 percent on IndiGo bookings is solid for a card in this price bracket. The 1:1 redemption value removes the headache of doing complex math to figure out what your points are worth. A point is a rupee, plain and simple.
However, the card has a frustrating limitation. The 2 percent accelerated reward rate on dining, groceries, and entertainment is capped at an incredibly low 100 6E Rewards per month. This means after spending just Rs. 5,000 on food and groceries, you hit the ceiling. This severe cap prevents the card from being a useful primary driver for your daily household expenses. Ultimately, this card is a brilliant secondary tool. Use it strictly to book your flights and score the initial welcome bonus, but rely on a dedicated cashback card for your everyday shopping and dining needs.
Joining / Annual Fee
Joining Fees
₹590 ( ₹500 + GST )
Annual Fees
₹590 ( ₹500 + GST )
Understanding the fee structure is crucial before adding any card to your wallet. The HDFC 6E Rewards...
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Understanding the fee structure is crucial before adding any card to your wallet. The HDFC 6E Rewards...
Understanding the fee structure is crucial before adding any card to your wallet. The HDFC 6E Rewards Indigo Credit Card keeps costs low but requires attention to certain conditions to maximize its value.
The card comes with a one-time joining fee of Rs. 500, plus 18 percent GST, which totals Rs. 590. This fee is charged on your very first statement. While this fee cannot be waived outright, it is heavily offset by the welcome benefits. By paying this Rs. 500 fee and making 3 transactions per month for the first 3 months, you receive an Economy Flight Ticket voucher and a 6E Prime Add-On voucher, together worth Rs. 2,600. In practical terms, spending Rs. 590 yields Rs. 2,600 in flight value, giving you a net positive gain of over Rs. 2,000 in your first year.
From the second year onwards, an annual renewal fee of Rs. 500 plus GST applies. Notably, there is no annual fee waiver condition based on yearly spending. Whether you spend Rs. 50,000 or Rs. 5 lakhs in a year, you will have to pay the Rs. 500 renewal fee. Given that just 500 reward points equal Rs. 500 in flight savings, recovering this fee organically through regular usage is highly achievable.
View FAQ
Commonly Asked Questions
What are the joining fees for this card?
The one-time joining fee is Rs. 500 plus applicable GST. It is billed in your first credit card statement.
Can the joining fee be waived?
No, the joining fee cannot be waived. However, paying it makes you eligible to receive welcome benefits worth Rs. 2,600, which easily offsets the cost.
What is the annual or renewal fee?
From the second year onwards, an annual renewal fee of Rs. 500 plus GST is charged to your account.
Is there an annual fee waiver option based on my spending?
No, this specific credit card does not offer an annual fee waiver based on yearly spending milestones. The Rs. 500 fee applies every year.
From when is the annual fee charged?
The annual fee is charged at the end of your 12-month membership period, appearing on your anniversary month statement.
Do I get the Rs. 2,600 welcome benefit every year?
No, the flight voucher and 6E Prime Add-On are one-time welcome benefits provided only during the first year of card issuance.
Is the Rs. 500 fee inclusive of taxes?
No, the Rs. 500 fee is exclusive of taxes. With an 18 percent GST, the final billed amount will be Rs. 590.
How do I offset the annual fee in the second year?
Since 1 reward point equals Rs. 1, you can offset the second year's fee by accumulating and redeeming at least 500 6E Rewards on your flight bookings.
Eligibility
Age
Criteria*
21-60 years
Salary
Criteria*
6LPA
Credit
Rating*
720+
New to credit
allowed
Yes
Existing Bank
Customer Allowed
No
Applying for the HDFC 6E Rewards Indigo Credit Card requires meeting specific age, income, and credit...
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Applying for the HDFC 6E Rewards Indigo Credit Card requires meeting specific age, income, and credit...
Applying for the HDFC 6E Rewards Indigo Credit Card requires meeting specific age, income, and credit score thresholds. The bank maintains accessible standards, making this an ideal option for young professionals starting their careers.
The primary cardholder must be between the ages of 21 and 60 years. Employment status plays a role in the income requirement. If you are a salaried employee working for a public or private company, you need a minimum monthly income of Rs. 50,000. This equates to an annual package of Rs. 6 lakhs. If you are a self-employed professional or run a business, you must present an Income Tax Return showing an annual income of at least Rs. 7.2 lakhs. This translates to an average monthly earning of Rs. 60,000 for business owners.
A good credit history is essential. Both salaried and self-employed applicants need a minimum CRIF or CIBIL score of 720. If your score is 750 or above, your chances of immediate approval are significantly higher. Meeting these criteria ensures a smooth, hassle-free application process.
View FAQ
Commonly Asked Questions
What is the minimum age to apply for this card?
The primary applicant must be at least 21 years old to be eligible for this credit card.
What is the maximum age limit for the primary cardholder?
The upper age limit for eligibility is 60 years at the time of submitting your credit card application.
What is the minimum salary required for salaried applicants?
Salaried individuals need a minimum monthly income of Rs. 50,000 to qualify. This means an annual salary package of at least Rs. 6 lakhs is required.
What is the minimum annual income for self-employed applicants?
Self-employed professionals and business owners must demonstrate a filed annual income of at least Rs. 7.2 lakhs to be eligible.
Can self-employed individuals apply for this card?
Yes, self-employed individuals are fully eligible to apply provided they meet the age criteria and the Rs. 7.2 lakhs annual income requirement.
What credit score is needed for approval?
A minimum credit score (CRIF or CIBIL) of 720 is required for both salaried and self-employed applicants to secure approval.
Will my application be rejected if my salary is Rs. 45,000 per month?
Since the strict minimum requirement is Rs. 50,000 per month for salaried employees, an income of Rs. 45,000 will result in a rejection.
Can I check my eligibility without affecting my credit score?
Yes, preliminary eligibility checks through partner platforms rely on soft inquiries that do not negatively impact your credit score.
All Card Benefits
- Earn 2.5 6E Rewards per ₹100 spent on flight bookings via IndiGo App or Website
- Earn 2 6E Rewards per ₹100 spent on Grocery, Dining & Entertainment, capped at 100 6E Rewards per month
- Earn 1 6E Reward per ₹100 spent on all other eligible spends, redeemable on IndiGo flight bookings and 6E Add-ons where 1 6E Reward = ₹1
- Enjoy exclusive dining privileges at premium restaurants across top cities via the Good Food Trail Dining program
- Save ₹150 per person on IndiGo booking convenience fee on every ticket booked using this card
Welcome Benefits
The standout feature of this card is its highly rewarding welcome package, which ...
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Welcome Benefits The standout feature of this card is its highly rewarding welcome package, which ...
Welcome Benefits
The standout feature of this card is its highly rewarding welcome package, which completely offsets the initial cost of getting the card. When you pay your joining fee and meet a simple spending target, you receive a complimentary IndiGo flight voucher worth Rs. 1,500. Additionally, you receive a complimentary 6E Prime Add-On worth Rs. 1,099.
To get the flight voucher, you must make 3 transactions per month for the first 3 months of card issuance and pay your joining fee. The 6E Prime benefit simply requires you to pay the joining fee. For example, if you pay the Rs. 500 joining fee and buy groceries three times a month for three months, you receive Rs. 2,599 in total travel value. That is an immediate return of over five times your initial investment.
Reward Points Structure
The earning potential of this card is tied heavily to the IndiGo ecosystem. You earn rewards in the form of 6E Rewards, where 1 6E Reward equals exactly Rs. 1. When you book IndiGo flights via the IndiGo app or website, you earn an accelerated rate of 2.5 6E Rewards for every Rs. 100 spent. For all other eligible retail spends, you earn a standard rate of 1 6E Reward per Rs. 100.
For example, if you book a round-trip ticket to Goa for Rs. 10,000 on the IndiGo app, you earn 250 6E Rewards. That is a flat Rs. 250 saved for your next booking. If you spend Rs. 20,000 on online shopping, apparel, and electronics in a month, you earn another 200 6E Rewards (Rs. 200 value). These simple conversions make it easy to track exactly how much you are saving.
Dining and Grocery Benefits
This card offers a slightly elevated reward rate for your daily essentials and dining out. You earn 2 6E Rewards per Rs. 100 spent on groceries, dining, and entertainment. However, you must be aware that this category is strictly capped at a maximum of 100 6E Rewards per month.
In practical terms, you reach this 100-point cap after spending just Rs. 5,000 in these combined categories in a single month. Additionally, you can enjoy up to 7.5 percent savings via the Swiggy Dineout Good Food Trail Program. If you spend Rs. 3,000 on a family dinner and pay via Swiggy Dineout with this card, you could save up to Rs. 225 instantly.
Fuel Benefits
To assist with your daily commute, the card offers dual benefits at fuel stations. First, you earn 1 6E Reward per Rs. 100 spent on fuel purchases. Second, you get a 1 percent fuel surcharge waiver on transactions ranging between Rs. 400 and Rs. 5,000.
For example, if you fill up your car with Rs. 2,000 worth of petrol, you earn 20 6E Rewards (worth Rs. 20) and also receive a surcharge waiver of Rs. 20. The surcharge waiver is capped at a maximum of Rs. 250 per statement cycle, meaning you can get waivers on fuel purchases up to Rs. 25,000 every month.
SmartPay and SmartBuy Bank Offers
HDFC Bank's exclusive portals offer additional avenues for savings. You can get up to 5 percent cashback on SmartPay transactions with a maximum cap of Rs. 1,000 per month. You also get up to 5 percent cashback via the SmartBuy portal, again capped at Rs. 1,000 per month.
If you use SmartBuy to purchase brand vouchers or book hotels, spending Rs. 10,000 could yield Rs. 500 in cashback. These bank-specific offers enhance the overall value of the card well beyond its basic airline rewards.
View FAQ
Commonly Asked Questions
How do I qualify for the Rs. 1,500 flight voucher?
To get the flight voucher, you must pay your Rs. 500 joining fee and make at least 3 transactions per month during the first 3 months after your card is issued.
How do I receive the 6E Prime Add-On?
The 6E Prime Add-On worth Rs. 1,099 is granted automatically once you pay the card joining fee. You can use it to enjoy priority check-in and seat selection on your next flight.
How long are the welcome benefits valid?
Both the flight voucher and the 6E Prime Add-On are valid for 6 months from the date they are posted to your account.
Can I book a ticket for someone else using my welcome voucher?
The welcome benefits are redeemable only by the primary card member or added nominees on your IndiGo account.
What is the standard reward rate on this card?
You earn 1 6E Reward for every Rs. 100 spent on regular eligible transactions, which translates to a standard return rate of 1 percent.
How many points do I earn on flight bookings?
You earn 2.5 6E Rewards for every Rs. 100 spent when booking flights directly through the IndiGo mobile application or official website.
What is the value of 1 reward point in rupees?
Each 6E Reward is valued at exactly Rs. 1. This means 500 reward points equal Rs. 500, making it very simple to calculate your travel savings.
Which transactions are excluded from earning reward points?
You will not earn rewards on rent payments, fuel, EMIs, ATM withdrawals, education spends, government transactions, wallet loads, utility bills, and toll payments, among others.
Do I earn points on rent payments?
No, rent payments are explicitly excluded from the reward program. Spending Rs. 20,000 on rent using this card will not generate any 6E Rewards.
Do I earn points on utility bill payments?
No, utility bill payments such as electricity, water, and gas bills are excluded from earning any 6E Rewards on this card.
Do I earn points on wallet top-ups?
Wallet transactions and wallet loads do not qualify for reward points. Loading Rs. 5,000 into a digital wallet will earn zero 6E Rewards.
Is there a limit to how many points I can earn on flight bookings?
There is no maximum cap for the points you can earn on IndiGo flight bookings, allowing you to maximize rewards on your travel spends.
How many points do I earn on grocery shopping?
You earn 2 6E Rewards for every Rs. 100 spent on groceries, giving you a 2 percent return rate on your daily essentials.
What is the maximum reward limit for dining and groceries?
The accelerated rewards for groceries, dining, and entertainment are capped at a maximum of 100 6E Rewards per month.
What happens after I hit the 100-point limit on groceries?
Once you spend Rs. 5,000 and hit the 100-point cap in this category, further spending continues to earn the base rate of 1 6E Reward per Rs. 100.
How do the Swiggy Dineout benefits work?
You can get up to 7.5 percent savings on restaurant bills when you pay using your card through the Swiggy Dineout platform under the Good Food Trail Program.
Do I earn regular reward points on fuel?
Yes, unlike many other credit cards, you actively earn 1 6E Reward per Rs. 100 spent on your fuel purchases.
What is the minimum transaction required for the surcharge waiver?
To get the 1 percent fuel surcharge waiver, your fuel transaction must be at least Rs. 400. Amounts below this will attract the standard surcharge.
What is the maximum fuel surcharge waiver I can get?
The fuel surcharge waiver is capped at a maximum of Rs. 250 per monthly statement cycle.
Can I get a surcharge waiver on a Rs. 6,000 fuel transaction?
No, the surcharge waiver only applies to individual transactions up to a maximum of Rs. 5,000. A single swipe of Rs. 6,000 will not qualify for the waiver.
What is the maximum cashback I can earn on SmartBuy?
You can earn a maximum cashback of Rs. 1,000 per month on eligible purchases made through the HDFC SmartBuy portal.
How much cashback do I get on SmartPay?
You can earn up to 5 percent cashback on utility bills and recharges set up via SmartPay, subject to a maximum cap of Rs. 1,000 per month.
If I spend Rs. 30,000 on SmartBuy, how much cashback will I get?
Even though 5 percent of Rs. 30,000 is Rs. 1,500, you will only receive Rs. 1,000 because of the strict monthly capping limit.
Are these bank offers permanent?
SmartBuy and SmartPay offers are standard HDFC features, but the exact cashback percentages and caps vary based on ongoing bank promotions.
How to Redeem Rewards & Cashback?
Rewards Conversion Rate
1 reward point = ₹1
Redemption Options
Accrued points are credited to your Indigo Account
To check redemption catalogue
The redemption process for the HDFC 6E Rewards Indigo Credit Card is tailored exclusively for travel....
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The redemption process for the HDFC 6E Rewards Indigo Credit Card is tailored exclusively for travel....
The redemption process for the HDFC 6E Rewards Indigo Credit Card is tailored exclusively for travel. Unlike generic reward cards where points lose value upon conversion, this card maintains a strict 1:1 ratio. The points you accrue are directly credited to your linked IndiGo account.
To use your points, you must visit the official IndiGo website or mobile app. During the flight booking checkout process, you can choose to pay partially or fully using your accumulated 6E Rewards. For example, if you have accumulated 3,500 6E Rewards and are booking a flight worth Rs. 5,000, you can apply your points to get an instant Rs. 3,500 discount, leaving you to pay only the remaining Rs. 1,500. A nominal reward redemption fee of Rs. 99 plus GST applies per redemption transaction.
View FAQ
Commonly Asked Questions
How do I redeem the reward points I have earned?
Accrued points are credited automatically to your linked IndiGo account. You can redeem them directly on the IndiGo website (goindigo.in) during your flight booking checkout.
What is the exact value of my reward points during redemption?
The conversion rate is simple: 1 reward point equals Rs. 1. Therefore, a balance of 2,500 points gives you exactly Rs. 2,500 off your flight booking.
Is there a fee for redeeming my rewards?
Yes, a reward redemption fee of Rs. 99 plus GST applies per transaction when converting or using your points with travel partners.
Can I redeem these points for cashback or statement credit?
No, these are strictly 6E Rewards tied to the airline ecosystem and can only be used to book IndiGo flights or related travel services.
How long does it take for points to show up in my IndiGo account?
Points accumulated during your billing cycle are credited to your IndiGo membership account within 5 business days of your monthly statement generation.
Do my 6E reward points expire?
Airline-specific reward points expire 24 months from the date of accrual, so regular redemption is necessary to maximize value.
Bank Exclusions
You will not earn points / cashback on spends in the following categories
For Points / Cashback Earnings
Rent Payment
Fuel Spends
EMI Spends
ATM Cash Withdrawals
Education Spends
Government-related Transactions
Wallet Transactions
Bank Charges & Fees
Gambling Transactions
Toll Payments
Security
Broker Services
Charity
Railways
Utility Bill Payments
Balance Transfer
Financial Charges
For Spends Waiver
Rent Payment
Fuel Spends
EMI Spends
ATM Cash Withdrawals
Education Spends
Government-related Transactions
Wallet Loads
Bank Charges & Fees
Gambling Transactions
Toll Payments
Security
Broker Services
Charity
Railways
Utility Bill Payments
Balance Transfer
Financial Charges
It is vital to know where your card will not earn you any benefits. HDFC Bank has a strict list of ex...
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It is vital to know where your card will not earn you any benefits. HDFC Bank has a strict list of ex...
It is vital to know where your card will not earn you any benefits. HDFC Bank has a strict list of exclusion categories that yield zero 6E Rewards. These exclusions apply to both your standard 1 percent earnings and accelerated categories.
Transactions categorized as Rent Payments, Fuel Spends (beyond the specific fuel feature), EMI Spends, ATM Cash Withdrawals, and Education Spends will earn nothing. Similarly, Government-related Transactions, Wallet Loads, Bank Charges & Fees, Gambling Transactions, Toll Payments, Security, Broker Services, Charity, Railways, Utility Bill Payments, Balance Transfers, and Financial Charges are completely excluded. For example, if you pay Rs. 30,000 for your child's school fees or load Rs. 10,000 into a mobile wallet, you will miss out on Rs. 400 worth of potential rewards, as these categories are explicitly blocked from the rewards program.
View FAQ
Commonly Asked Questions
Which transactions do not earn rewards on this card?
Rent payments, EMI conversions, cash withdrawals, education spends, wallet loads, government payments, utility bills, and railway bookings do not earn any reward points.
Does paying rent with this card earn reward points?
No, rent payments are explicitly excluded. Paying a Rs. 25,000 monthly rent via credit card will earn zero 6E Rewards.
Are wallet top-ups excluded from earning rewards?
Yes, loading money into digital wallets is considered an excluded transaction and will not accumulate any points.
Do I earn points on my monthly electricity and water bills?
Utility bill payments are present on the exclusions list, meaning your regular electricity, water, and gas payments will not earn standard rewards.
Are education or school fee payments excluded from rewards?
Yes, education spends are blocked from the rewards program. Large transactions like college tuition or school fees will not generate any points.
What happens if I convert a large purchase into an EMI?
EMI spends are excluded from rewards. If you buy a Rs. 50,000 laptop and convert it to an EMI, you forfeit the points you would have earned on a standard swipe.
Bank Fee Structure
| Structure | Details |
|---|---|
Forex Markups  3.5% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency. | 3.50% |
APR Fees 3.5% monthly fee. Credit cards allow you for a interest free payment period of 20-55 days. However, if you fail to make payment for your statement in due time then bank starts charging interest. A simple way to avoid heavy interest rates over long time is to convert your large spends in EMIs. Normally bank charges 16% p.a interest on EMIs however if you fail to pay in time then annual interest can reach upto 42%
| 3.50% |
ATM withdrawal 2.5% of the withdrawn amount is charged on cash advances using the credit card (minimum ₹500, if applicable). | 2.50% |
Reward Redemption Fees No fee is charged when redeeming reward points on this card. | Not Applicable |
Link for all T&Cs | Click Here |
Railway Surcharge 1% of the transaction amount + GST will be charged on Railway Ticket Purchases | 1% |
Rent Payment Fees 1% of the transaction amount is charged as a fee on rent payment transactions, subject to applicable GST and platform charges | 1% |
cheque Payment Fees For Cheque value upto ₹5,000 - ₹25 and for above ₹5,000 - ₹50 | ₹50 |
Cash Payment Fees ₹100+ taxes will be charged for all payments done via Cash | ₹100 |
| Late Payment Fees | Amount Due |
|---|---|
| ₹0 - ₹100 | NIL |
| ₹101 - ₹500 | ₹100 |
| ₹501 - ₹1000 | ₹500 |
| ₹1001 - ₹5000 | ₹600 |
| ₹5001 - ₹10000 | ₹750 |
| ₹10001 - ₹25000 | ₹900 |
| ₹25001 - ₹50000 | ₹1100 |
| Above ₹50000 | ₹1300 |
Before applying, it is essential to understand the complete cost of holding and using this credit car...
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Before applying, it is essential to understand the complete cost of holding and using this credit car...
Before applying, it is essential to understand the complete cost of holding and using this credit card. While the annual fees are quite low, certain behaviors like missing payments or using the card abroad can incur significant charges. Below is the detailed breakdown of the fee landscape for the HDFC 6E Rewards Indigo Credit Card.
The Joining Fee for this card is Rs. 500 plus GST. This fee cannot be waived, but paying it makes you eligible for welcome benefits. On making 3 transactions within 3 months of card issuance, you receive an Economy Flight Ticket and an Add-On Voucher worth Rs. 2,600, effectively turning the initial cost into a profit.
The Annual or Renewal Fee is Rs. 500 plus GST applicable from the second year. There is no waiver condition for this fee. Whether you spend Rs. 10,000 or Rs. 10 lakhs in a year, you will be billed the Rs. 500 fee on your card anniversary month.
The APR or Interest Rate is 3.75 percent per month, which translates to 55.55 percent per annum. If you have an unpaid outstanding balance of Rs. 10,000 and carry it forward, the bank will add interest charges of Rs. 375 to your next statement, increasing your debt burden rapidly.
Late Payment Charges follow a tiered structure based on your outstanding balance, with fees ranging from Rs. 100 for small amounts to Rs. 1,300 for balances exceeding Rs. 50,000. Failing to pay the minimum due on a Rs. 5,000 balance attracts a penalty of Rs. 500 based on standard HDFC fee schedules.
A Forex Markup Fee of 3.5 percent is charged on transactions made in foreign currencies. If you travel internationally or shop on a foreign website and spend USD 100 (approximately Rs. 8,300), the bank adds a 3.5 percent markup, costing you an extra Rs. 290.5 on that single transaction.
The ATM Cash Withdrawal Fee is set at 2.5 percent of the withdrawn amount, subject to a minimum charge of Rs. 500. If you withdraw an emergency Rs. 10,000 in cash from an ATM using this credit card, you will instantly be billed a Rs. 500 flat fee, alongside daily interest charges that begin immediately.
A processing fee of 1% is applied to all rent payment transactions made using this card. Given that rent payments are excluded from earning rewards on this card, using it to pay rent results in a net loss due to the transaction fee.
Railway bookings attract a surcharge of 1.8% of the transaction amount plus GST for bookings made on the IRCTC website or app. You should account for this additional cost when planning rail travel with this card.
A cash processing fee of Rs. 100 is charged for every credit card bill payment made in cash at an HDFC Bank branch teller. Online payments are recommended to avoid this fee.
A cheque return fee of Rs. 450 is levied if a payment cheque is dishonored due to insufficient funds, and such instances will significantly lower your credit score.
A Reward Redemption Fee of Rs. 99 plus GST applies when you convert your accrued points. If you are redeeming 1,000 points (worth Rs. 1,000) for a flight, you will have to pay roughly Rs. 116 in fees and taxes, slightly reducing the net value of your rewards.
| Fee Type | Amount / Rate |
|---|---|
| Joining Fee | Rs. 500 + GST |
| Annual Fee | Rs. 500 + GST (No Waiver) |
| Interest Rate (APR) | 3.75% per month (55.55% annually) |
| Forex Markup | 3.5% of transaction value |
| ATM Withdrawal Fee | 2.5% (Minimum Rs. 500) |
| Reward Redemption Fee | Rs. 99 + GST per transaction |
View FAQ
Commonly Asked Questions
What are the joining fees for this card?
The joining fee is Rs. 500 plus taxes. Paying this fee is required to activate your welcome benefits.
What is the annual or renewal fee?
The renewal fee is Rs. 500 plus taxes, charged every year starting from the second year.
Is there an annual fee waiver based on spending?
No, there is no annual fee waiver condition available on this card, regardless of your spending volume.
How can I get this card lifetime free?
The bank offers lifetime free conversions to select customers based on their existing relationship value or during specific seasonal promotions.
What is the interest rate if I do not pay my full balance?
The interest rate is 3.75 percent per month, which compounds to 55.55 percent annually on unpaid balances.
How is the interest calculated on outstanding balances?
Finance charges of 3.75 percent per month apply on unpaid outstanding balances until the total amount is fully repaid by the customer.
What are the late payment charges?
Late payment fees follow a tiered structure, charging Rs. 500 for balances up to Rs. 5,000 and reaching up to Rs. 1,300 for balances above Rs. 50,000.
What is the forex markup for international transactions?
A 3.5 percent forex markup fee is charged on any transactions made in foreign currencies or on international payment gateways.
What are the cash withdrawal charges and limits?
A fee of 2.5 percent of the withdrawn amount is applied, with a strict minimum charge of Rs. 500 for any ATM cash advance.
Is there a fee to redeem my reward points?
Yes, a fee of Rs. 99 plus GST per transaction applies when you redeem or convert your points with partner airlines.
Documents Required
To process your application smoothly, you must provide proof of identity, address, and income. Having these ready prevents unnecessary delays.
You need your PAN Card as the primary identity document. For address proof, an Aadhaar Card, Passport, or Voter ID is acceptable. To prove your income, salaried employees should provide their latest two months' salary slips and the last three months' bank statements showing salary credits. Self-employed applicants must submit their latest Income Tax Return (ITR) computation along with business continuation proof.
View FAQ
Commonly Asked Questions
What is the mandatory identity document required?
Your original physical PAN card is the most crucial document required, especially to complete the Video KYC process.
What can I submit as address proof?
You can submit a copy of your Aadhaar Card, valid Passport, Voter ID, or a recent utility bill in your name.
Do I need to submit physical copies of my documents?
If you opt for the digital application with Video KYC, you only need to upload digital copies and show your original PAN card on the camera.
What income proof is needed if I am salaried?
Salaried applicants must upload their latest two salary slips and a recent bank statement showing the salary being credited to their account.
What income proof is needed for self-employed individuals?
Self-employed applicants need to provide their most recent Income Tax Return (ITR) showing a minimum annual income of Rs. 7.2 lakhs.
Can I use a rent agreement as address proof?
Registered rent agreements are sometimes accepted by banks for address verification, but Aadhaar or Passport is preferred for faster processing.
Who Should Get This Card?
The Frequent Domestic Flyer: If you take two or three domestic trips a year and IndiGo is your preferred airline, this card is built for you. The Rs. 2,600 welcome value instantly pays for itself, and earning a 2.5 percent return on your flight bookings creates a continuous cycle of travel savings.
The Young Professional: With an accessible Rs. 50,000 monthly salary requirement and a low Rs. 500 fee, this is an excellent entry point into the world of travel credit cards without committing to the massive Rs. 3,000+ fees associated with premium airline cards.
Who Should Avoid It: If you rarely fly or prefer airlines like Vistara or Air India, this card holds very little value. Furthermore, if you spend heavily on dining and groceries, the strict 100-point monthly cap on these categories will severely limit your rewards. Shoppers looking for versatile cash back should explore dedicated shopping cards instead.
Credit Limit and What to Expect
Your credit limit is not a fixed number and varies heavily based on your financial health. HDFC Bank assigns limits by evaluating your monthly income, existing debt obligations, and your CRIF score of 720 or higher. For an entry-level card with a Rs. 500 fee, starting limits align with your monthly salary.
If your salary is Rs. 50,000 per month, you can expect an initial limit between Rs. 50,000 and Rs. 75,000. As you use the card responsibly, pay your bills on time, and keep your credit utilization ratio low, the bank reviews your account for automatic credit limit enhancements.
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Commonly Asked Questions
What will be my starting credit limit?
Starting limits depend on your income and credit score. A typical starting limit ranges between 1 to 1.5 times your monthly take-home salary.
Can I request a higher credit limit immediately?
No, the bank requires you to use the card responsibly for at least 6 to 12 months before considering a manual request for a limit increase.
Does a high CRIF score guarantee a high credit limit?
While a score above 720 secures your approval, the actual credit limit is determined by your income level and existing outstanding loans.
Will my credit limit increase automatically?
Yes, HDFC Bank periodically reviews accounts. If you have a clean payment history, they will offer pre-approved credit limit enhancements via SMS or email.
Can I set my own transaction limits?
Yes, you can use the bank's mobile app or net banking portal to lower your daily transaction limits for online, POS, or international spends for added security.
What happens if I spend more than my credit limit?
Transactions exceeding your limit may be declined. If approved, the bank will charge an over-limit penalty fee of 2.5% of the over-limit amount (minimum Rs. 500) on your next statement.
How to Apply?
Getting your hands on this card involves a straightforward digital process. You can apply directly through the official HDFC Bank website or through verified financial platforms. Ensure you have a stable internet connection and keep your original documents handy.
Fill out the basic application form with your personal, contact, and professional details. Once submitted, you will receive an Application Reference Number. The fastest way to complete the process is via Video KYC. During a brief video call with a bank agent, you will verify your identity by showing your original PAN card. Ensure you are physically located in India and have good lighting during the call. Once the Video KYC is successfully verified, the bank processes the application, and the physical card is dispatched to your registered address within a week.
View FAQ
Commonly Asked Questions
Where can I apply for this credit card?
You can apply online through the official HDFC Bank website, partner platforms, or by visiting a nearby physical bank branch.
What is Video KYC and is it mandatory?
Video KYC is a digital verification process involving a video call with a bank representative. It is mandatory for digital applications as it speeds up card approval without needing a branch visit.
What do I need for a successful Video KYC call?
You must have your original physical PAN card, a blank paper with a blue or black pen for a signature, a stable internet connection, and good lighting.
How long does the approval process take?
If your Video KYC is successful and your credit profile is strong, approval takes 7 to 10 working days.
Can I track my application status online?
Yes, you can use the Application Reference Number generated during submission to track the exact status of your application on the bank's website.
What happens if my Video KYC fails?
If the video call fails due to connection issues, the bank will arrange for a physical document pickup to complete your traditional KYC verification.
That’s the full story of this credit card
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Top Benefits
Top Benefits
2.5 6E Rewards per ₹100 Spent
on flights booked on the IndiGo App/Website
Earn 2 6E Rewards per ₹100 Spent
on Grocery, Dining & Entertainment Capped at 100 6E Rewards per month across Grocery, Dining, and Entertainment spends combined
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