If you hold this card: The card was wound down, not just closed: HDFC migrated holders to another HDFC Bank credit card, with benefits running only until 31 October 2025 or until your replacement card arrived, whichever came first. Your 6E Rewards were converted 1:1 into IndiGo BluChips on 1 November 2025 — redeem them through IndiGo, not HDFC.
HDFC’s own product page states: “HDFC Bank Indigo 6E Rewards Credit Card and HDFC Bank 6E Rewards XL Credit Card is discontinued. Bank is not accepting any new applications for these card variants… We are currently in the process of migrating the existing customers to another HDFC Bank Credit Card.” It adds that effective 1 November 2025 all product features and benefits are discontinued on the card, and that 6E Rewards convert to IndiGo BluChips 1:1. HDFC named no like-for-like successor; IndiGo’s current co-brands sit with other issuers.
In-depth review
6E Rewards IndiGo HDFC Bank Credit Card
HDFC has withdrawn the 6E Rewards IndiGo card: new applications stopped, and effective 1 November 2025 all product features and benefits ended, with holders migrated to another HDFC card and 6E Rewards converted 1:1 into IndiGo BluChips. While it ran, the ₹1,500 XL tier earned 5% back on IndiGo bookings, 3% on dining, groceries and entertainment, 2% on everything else, 8 domestic lounge visits and a low 2.5% forex markup. Anyone shopping for an IndiGo co-brand today has to look outside HDFC, to the issuers still running one.
Read the full review →Key features
What this card is built to do — the highlights that actually matter.
Welcome Benefit
~₹1,500 in vouchers, points or cashback in year one — usually conditional on a first spend within 30–90 days
5 points/₹100 on Travel (~2.1% value)
5% back as 6E Rewards (now BluChips) on IndiGo bookings
1.26% on Dining
3% on dining, grocery and entertainment
Airport Lounge Access
Complimentary: 8 domestic airport lounge visits a year (2 a quarter)
✈️ TRAVEL BENEFITS
Lounge access, miles, forex rates and travel perks at a glance.
AIRPORT LOUNGE ACCESS
8 visits/yr
Domestic lounges
₹4,000
Estimated annual value
2.5%
Forex markup
2.1%
Travel reward rate
AIRLINE / TRAVEL PARTNERS
- Domestic airport lounge access (8 domestic visits/yr, worth ~₹4,000)
- Miles on: IndiGo (6E)
- 2.1% effective return on travel bookings
Nobody — the card was withdrawn on 1 November 2025 and cannot be applied for. IndiGo flyers should look at the Axis, SBI, IDFC FIRST or Kotak co-brands instead.
Full reward structure
What you earn on every rupee, per spend category — as of 24 Oct 2026. Rates assume 1 pt = ₹0.42. How we value points →
| Category | Type | Rate | Monthly cap |
|---|---|---|---|
| Travelonly at IndiGo (6E) | reward points | 2.1%5 pts/₹100 × ₹0.42 | — |
| Dining | reward points | 1.26%3 pts/₹100 × ₹0.42 | — |
| Other | reward points | 0.84%2 pts/₹100 × ₹0.42 | — |
Travel: 5% back as 6E Rewards (now BluChips) on IndiGo bookings · IndiGo (6E)
Dining: 3% on dining, grocery and entertainment
Other: 2% on all other spends
Fees & charges
The numbers that matter beyond rewards — verify on the issuer site before applying. Fees below are shown inclusive of 18% GST, as of 24 Oct 2026.
| Charge | Amount |
|---|---|
| Annual fee (incl. 18% GST) | ₹1,770 |
| Joining fee (incl. 18% GST) | ₹1,770 |
| Forex markup | 2.5% |
Perks & benefits
Estimated annual value beyond rewards — ~₹4,000/yr in total.
8 complimentary domestic airport lounge visits a year (2 per quarter) via the Mastercard lounge programme
Should you get it?
- Best for: Nobody — the card was withdrawn on 1 November 2025
- Mid tier — a solid all-rounder for steady monthly spend.
- Strongest value if you spend heavily on Dining (1.26% back; 2.1% only at IndiGo (6E)).
- Frequent travellers benefit from the included airport lounge access.
Pros & cons
✓ Pros
- 5% back on IndiGo bookings as 6E Rewards, and up to 15% at IndiGo Feature Partners
- 3% on grocery, dining and entertainment
- 6E Rewards redeemed 1:1 for IndiGo flights and add-ons
- 8 domestic lounge visits a year (2/quarter), a ₹1,500 welcome ticket and a 6E Prime add-on
- ₹150 per person off IndiGo's convenience fee
✕ Cons
- Withdrawn on 1 November 2025 — closed to new applications, all features ended
- Rewards could only be redeemed on IndiGo, never as cash
- Non-IndiGo spend earned modestly — 3% on grocery/dining/entertainment, 2% on everything else
- No spend-based fee waiver was ever offered
Eligibility & documents
This is the figure for salaried applicants. Where HDFC Bank sets a separate one for the self-employed, its own eligibility page gives it.
How to redeem rewards
Ways to convert what you earn into real value.
- 🎁Historic — 6E Rewards redeemed 1:1 against IndiGo flight bookings and 6E add-ons
- 🎁Balances auto-converted to IndiGo BluChip at 1:1 on 1 November 2025
What your HDFC Reward Points are worth
Realistic value per point by redemption route — the difference is what most people leave on the table.
Standard catalogue & cashback
Brand & e-gift vouchers
₹0.50/pt on travel via SmartBuy on most HDFC cards; Infinia, Infinia Metal and Diners Club Black redeem at ₹1 there
The card is withdrawn. Existing holders lost every product feature on 1 November 2025; only the converted BluChip balance survived.
Frequently asked questions
Can I still get this card?
Is this the standard 6E card or the XL?
What was the annual fee?
Did 6E Rewards expire?
What did IndiGo bookings earn?
How has the 6E Rewards XL IndiGo HDFC Bank Credit Card changed over time?
Has the 6E Rewards XL IndiGo HDFC Bank Credit Card been devalued recently?
When did the 6E Rewards XL IndiGo HDFC Bank Credit Card's fees last change?
How did the 6E Rewards XL IndiGo HDFC Bank Credit Card change in 2025?
The bottom line
Judged on its merits while it ran, this was a capable IndiGo co-brand: 5% on IndiGo, useful 3% everyday categories, eight lounges and a welcome flight made the ₹1,500 fee easy to justify for regular flyers. That is now history. HDFC closed applications and ended all features on 1 November 2025, and existing 6E Rewards balances became IndiGo BluChips at 1:1.
How this page was built
Counted from this card’s own record: 3 earn rules, 1 paid only at named merchants and 1 recorded perk.
Last updated 24 Oct 2026.
Sources & verification
Fees, reward rates, and benefits for the 6E Rewards XL IndiGo HDFC Bank Credit Card are taken from HDFC Bank's official Most Important Terms & Conditions (MITC) and fee schedule — see the card's official page. Last updated 24 Oct 2026. Reviewed by Devchandra Sah. Always confirm current details on the issuer's site before applying. How we research →
Independence. CardAdvisor is an independent editorial publication. We are not affiliated with, endorsed by, sponsored by, or authorised to act for HDFC Bank. All issuer names, product names, and payment-network marks are the property of their respective owners and appear here for identification and comparison only. Card faces shown on this site are our own original illustrations — we do not display or host issuer card artwork or logos.
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Value timeline
Every real-world change to this card's rewards, fees and benefits we've tracked — newest first, each linked to its source.
Tracking since 2020 · last change Nov 2025
2025
- ▼ RedemptionEffective 1 Nov 2025
6E Rewards discontinued; balances converted to IndiGo BluChips
6E Rewards (fixed ₹1 value, redeemed on IndiGo)→IndiGo BluChips (dynamic route-based value)
6E Rewards could be earned and redeemed only until 31 Oct 2025. On 1 Nov 2025 unused balances were auto-converted 1:1 to IndiGo BluChips — a new airline-controlled currency whose value varies by route and booking window rather than the old fixed ₹1-per-point.
Verification: HDFC Bank ↗ · Confidence: High
- ▼ BenefitEffective 1 Nov 2025
IndiGo–HDFC co-brand ended; card benefits withdrawn
Effective 1 Nov 2025 all 6E Rewards card features and benefits — the 5% IndiGo earn, 8 domestic lounge visits and 6E Prime add-ons — were discontinued, and existing cardholders were migrated onto a non-co-branded HDFC Bank card. The co-branded product effectively ceased.
Verification: HDFC Bank ↗ · Confidence: High
2022
- ▲ FeeEffective 7 Nov 2022
6E Rewards XL joining/renewal fee cut to ₹1,500
₹2,500 + taxes→₹1,500 + taxes
Effective 7 Nov 2022 HDFC lowered the 6E Rewards XL joining/renewal membership fee from ₹2,500 to ₹1,500 (plus taxes) for cards issued on or after that date, making the premium tier cheaper to hold.
Verification: CardAdvisor Research · Confidence: High
2020
- ◆ LaunchEffective 27 Feb 2020
IndiGo & HDFC Bank launch the 6E Rewards co-brand
IndiGo's first co-branded credit card launched with HDFC Bank on the Mastercard network in two tiers. The premium 6E Rewards XL (₹2,500) earned 5% on IndiGo, 3% on dining/grocery/entertainment and 2% on everything else, with a welcome IndiGo ticket worth ~₹3,000 and 6E Prime add-ons.
Verification: CardAdvisor Research · Confidence: High
Each change links to the issuer's own document — bank T&C, MITC, notice, press release or product page — where one is public. Where the bank published nothing, it's marked CardAdvisor Research and verified against the card's current terms. Independent of the live terms shown above. This timeline is one card's slice of our market-wide change record across every tracked card.
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Source: <a href="https://cardadvisor.in/cards/hdfc-6e-indigo#value-timeline">6E Rewards IndiGo HDFC Bank Credit Card value timeline</a>, CardAdvisor (CC BY 4.0).