6E Rewards IndiGo HDFC Bank Credit Card

Quick verdict: A well-rounded IndiGo card (the ₹1,500 XL tier) that no longer exists — 5% back on flight bookings, 3% on dining, groceries and entertainment, 2% elsewhere, 8 domestic lounge visits, a low 2.5% forex, and a ₹1,500 welcome ticket that covered the ₹1,500 fee before GST (the fee was ₹1,770 all-in). HDFC has since discontinued the 6E Rewards cards outright: new applications stopped, benefits ended on 1 November 2025, and holders were migrated to another HDFC card. If you're shopping for an IndiGo co-brand today, the earning sits elsewhere — with the issuers still running one, Kotak among them.

The 6E Rewards IndiGo HDFC card was a single-purpose travel card done competently: fly IndiGo, earn rewards, redeem them against India's densest flight network. For an IndiGo loyalist banking with HDFC it was a perfectly sensible card that paid for itself with a couple of monthly bookings. Two things ended that story — IndiGo's 2025 switch of its reward currency to BluChips, and then the wind-down of the HDFC co-brand itself. What follows is the record of what the card did, and what its holders need to do now.

What it earned

The proposition was simple and focused:

• 5% back (as IndiGo rewards/BluChips) on IndiGo flight bookings.
• 3% on dining, groceries and entertainment — unusually generous everyday accelerators for an airline card.
• 2% base on everything else, with a low 2.5% forex markup.
• 8 complimentary domestic lounge visits a year.
• A welcome IndiGo flight ticket worth ₹1,500 (plus a complimentary 6E Prime add-on) — matching the ₹1,500 fee, though not the ₹1,770 that fee came to with GST.

(Note: this is the ₹1,500 XL tier; HDFC also ran a cheaper standard 6E Rewards card at ₹500 that earned 2.5% on IndiGo, 2% on dining/groceries/entertainment, and skipped the lounge access. Both variants were discontinued together.)

For someone flying IndiGo twice a month, the 5% accumulated into several free flights a year, and the rewards redeemed easily against IndiGo's enormous route network — the densest in India, so you'd rarely struggle to find a flight to burn rewards on. As a clean, no-fuss IndiGo card, it did its job.

The currency change: 6E Rewards → BluChips

Like every IndiGo co-brand, this card was affected by IndiGo's 2025 migration from 6E Rewards to its new BluChips programme (existing balances converted, with a one-time bonus, by October 2025). Rewards earned on the card now live in BluChips. It's the standard airline-scrip caveat: IndiGo controls the currency and can restructure or devalue it, so your rewards are softer money than bank points. Nothing here was unique to the HDFC card — it's the nature of co-branding with an airline — but it's worth knowing the value isn't fully in your control.

The card has been withdrawn

This is the fact that overrides everything else. HDFC has discontinued both the 6E Rewards and 6E Rewards XL cards and is no longer accepting applications for either variant. It wasn't merely closed to new customers: effective 1 November 2025 all product features and benefits on the card were discontinued, and HDFC began migrating existing holders to another HDFC Bank credit card. Any 6E Rewards balance was converted 1:1 into IndiGo BluChips on the same date, so a leftover balance is redeemed through IndiGo rather than HDFC.

HDFC named no like-for-like successor, which is the awkward part for an IndiGo loyalist inside the HDFC ecosystem: the replacement card you were migrated to is a general HDFC product, not an IndiGo one. That reframes this review — it's a record of what the card did, guidance for holders working out what they lost, and context for anyone who lands here still shopping for an IndiGo card.

Where IndiGo earning sits now

Here's the comparison that already mattered before the wind-down, and decides it now. Kotak's IndiGo Ka-ching 6E Rewards XL earned 6% on IndiGo bookings; this HDFC XL earned 5%. On the same airline, for a similar fee, the Kotak card paid a percentage point more on the core use case, and both bundled domestic lounge access and a welcome flight ticket. The counterweight was HDFC's servicing and the SmartBuy ecosystem for your other cards — an argument that no longer has an IndiGo card behind it. With the HDFC co-brand gone, IndiGo earning simply lives with the other issuers still running one.

The familiar single-purpose limitation was milder here than on most airline cards: off-IndiGo, non-bonus spend earned 2% — and with the 3% on dining, groceries and entertainment and the 2.5% forex, it was more usable beyond flights than the typical co-brand, closer to a workable second card than a flights-only one. Even so, a dedicated everyday earner beat it outside those categories.

What holders should do

If you held the card, the practical to-do list is short. Check where your 6E Rewards went — they became IndiGo BluChips on 1 November 2025, sit in your IndiGo account, and follow IndiGo's expiry rules, not HDFC's, so redeem them against a flight rather than leaving them to age. Then look at the card HDFC moved you to and judge it on its own merits: it earns nothing extra on IndiGo, so if IndiGo flights are a real part of your spending, that portion of your wallet is now unrewarded and worth rebuilding around a current IndiGo co-brand or a flexible travel card.

The bottom line

The 6E Rewards XL IndiGo HDFC Bank card was a well-rounded IndiGo card — 5% back on flight bookings, 3% on dining/groceries/entertainment, 2% elsewhere, up to 15% at IndiGo Feature Partners, 8 domestic lounges, a low 2.5% forex, and a ₹1,500 welcome ticket that matched the ₹1,500 fee, if not the ₹1,770 it came to with GST. It was always out-earned by one comparison — Kotak's Ka-ching XL paid 6% on the same airline against its 5%, with both bundling lounges — and that question is now closed by HDFC withdrawing the card entirely on 1 November 2025. If you held one, chase down your BluChips and rebuild your IndiGo earning elsewhere. If you came here shopping, this isn't a card you can get; look at the IndiGo co-brands still open.