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| Monthly Spend | ₹5K | ₹10K | ₹20K | ₹50K | ₹100K |
|---|---|---|---|---|---|
| Net Reward Yield | (-2.2%)^ | 0.2% | 1.4% | 2.0% | 2.2% |
| Est. Monthly Reward (₹) | (110) | 15 | 270 | 990 | 2,235 |
| All-India Rewards Rank* | 286 | 201 | 41 | 26 | 15 |
| Within Bank Rank* | 43 | 29 | 11 | 4 | 3 |
| * Based on est. net reward yield for nearly 400 credit cards in India, for each monthly spending level. Read about how we calculate the net reward yield here.
^The negative figure means at this level of monthly spends, the rewards earned in a year will be worth less than the annual fee. |
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The 6E Rewards XL – Indigo HDFC Bank is a great credit card from HDFC Bank for high spenders. It offers unlimited 5% rewards on IndiGo flights, 3% on Grocery, Dining & Entertainment and 2% on all other spending.
Overall, you can earn a net reward yield of 1.4-2.2% with this card on spends above ₹50,000.
Unlike many other cards from HDFC Bank, the 6E Rewards XL does not have any merchant or other restrictions on the rewards you can earn.
Another great thing about the 6E Rewards XL is that the value of their rewards points in fixed and redeemable against all Indigo flight bookings. So you do not need to worry about getting stuck with unused and possibly unusable rewards.
This is different from many other Frequent Flyer programs, where the value of a point may change depending on when and where you fly. You can read more about the value of Frequent Flyer points here.
One caveat for the 6E Rewards XL is that the Annual Fee of ₹2,500 is not waivable, unlike most other cards. However the fee can be easily recovered for high spenders from the higher rewards yield vs. other cards.
You should still come out ahead after paying the fee every year. Remember also that unlike most other cards, the 6E Rewards XL offers unlimited rewards in all categories, a feature that is worth a lot to high spenders.
Consider the Millennia Credit Card if you spend less than ₹50,000 a month on your card.
It offers a net reward yield of 2.3-2.7% on spends up to ₹50,000.
If you spend less than ₹10,000 a month on your card, consider the Bharat Credit Card with a yield of 1.9-2.4%.
Our list of the best credit cards in India, at every spending level and from every bank, is here. You can find a detailed discussion of our methodology here.
| Card | 6E Rewards XL Indigo HDFC Bank |
|---|---|
| Card Type | Reward |
| Reward Features | 5% 6E Rewards on IndiGo
3% 6E Rewards on: 2% 6E Rewards on all other spends |
| Milestone Rewards | Nil |
| Other Rewards | 2 Complimentary Domestic Airport Lounge Visits / Qtr |
| Rewards Redemption Fee | Nil |
| Reward Caps | 1000 reward point on grocery in a month |
| Preferred Redemption Method | Flight Booking on Indigo Website @₹1 / 6E Rewards Point |
| Card | 6E Rewards XL Indigo HDFC Bank | |
|---|---|---|
| Joining Fee | ₹2,500 + Taxes | |
| Annual Fee | ₹2,500 + Taxes | |
| Min. Annual Credit Card Spend for Fee Waiver |
Nil | |
| Income Criteria | Salaried | ₹1.2 Lacs p.m. |
| Self-employed | ITR>₹14.4 Lacs | |
| Supplementary Card Fee | Free | |
| Interest Rate | 43.20% | |
| Foreign Currency Markup | 2.50% | |
| Cash Advance Charge | 2.50% with a minimum of ₹500 | |
Questions? Suggestions? See a mistake? Write to us!
Our analysis of 100s of flights shows that miles from international airlines are worth much less in India that they are globally, between 16-54% less. Their value in India is between ₹0.50/mile for the Etihad to ₹0.80/mile for BA & SQ.
2 Free Movie / Stream / Play / Events / Sports / Activities tickets up to ₹250 each and ₹100 off on F&B Spends on BookMyShow tickets.
8 reward points / ₹400 on bill payments & education and 1 point on all other spends. Fuel surcharge waiver of up to ₹100 per month.
