Fees & charges
| Joining fee | ₹1,500 + applicable taxes |
|---|---|
| Annual / renewal fee | ₹1,500 + applicable taxes (single combined "Joining/Renewal Membership Fee", effective 07.11.2022) |
| Renewal-fee waiver | none stated (page gives no renewal-fee-waiver spend threshold; note: 6E Rewards membership is discontinued on non-payment of the membership fee within 90 days) |
| Network | Mastercard (page's FAQ references "exciting Mastercard offers"; network not explicitly labelled for the XL variant) |
Rewards & benefits
| Reward rate | 2% 6E Rewards on Grocery, Dining & Entertainment; 1% 6E Rewards on all other spends (1 6E Reward = ₹1); plus ₹1,000 cashback across 200+ brands via Payzapp |
|---|---|
| Welcome benefit | Complimentary 6E Prime add-on (priority check-in / choice of seat / complimentary meal) and a complimentary flight ticket worth ₹1,500; activate card within 30 days to enjoy welcome benefits |
| Lounge access | 8 complimentary domestic airport lounge accesses per year (2 per quarter); no international lounge access stated |
| Key benefits | IndiGo co-branded travel card: ₹1,500 complimentary flight ticket + 6E Prime welcome, 8 domestic lounge visits/yr, 2%/1% 6E Rewards (1 pt = ₹1), plus ₹1,000 Payzapp cashback |
Eligibility & status
| Eligibility / income | Salaried: gross monthly income above ₹50,000; Self-employed: annual ITR above ₹7,20,000 (₹7.2 lakh) |
|---|---|
| Status note | Discontinued — bank not accepting new applications; existing cardholders being migrated to another HDFC card by 31 Oct'25, and the 6E Rewards program is phased out from 1 Nov'25 (unutilised 6E Rewards auto-converted to IndiGo BluChip 1:1) |
Sources compared — HDFC's MITC (PDF) vs the card's microsite
Every fact is shown from both of HDFC's own sources so you can verify it yourself — the MITC PDF ↗ (the binding fee document) and the product microsite ↗. Nothing is omitted or paraphrased.
| Fact | 📄 MITC PDF | 🔗 Microsite | |
|---|---|---|---|
| Joining / annual fee | ₹ 1,500MITC v4.3, fee table L216-222 | ₹1,500 + applicable taxes | ✓ |
| Fee waiver (min spend) | NAMITC v4.3, fee table L216-222 | NOT STATED on live page. Fallback: none stated (no renewal-fee-waiver spend threshold; 6E Rewards membership is discontinued on non-payment of the membership fee within 90 days) | • |
| Fuel surcharge waiver | Fuel Surcharge waiver Not ApplicableMITC v4.3, fee table L216-222 | NOT STATED | • |
| Forex markup | 2.50%MITC v4.3, fee table L216-222 | NOT STATED | • |
| Reward rate | Not in MITC (product term) | 2% 6E Rewards on Grocery, Dining & Entertainment; 1% 6E Rewards on all other spends (1 6E Reward = ₹1); plus ₹1,000 cashback across 200+ brands via Payzapp | • |
| Welcome benefit | Not in MITC | Complimentary 6E Prime add-on (priority check-in / choice of seat / complimentary meal) and a complimentary flight ticket worth ₹1,500; activate card within 30 days to enjoy welcome benefits | • |
| Lounge access | Not in MITC | 8 complimentary domestic airport lounge accesses per year (2 per quarter); no international lounge access stated | • |
| Eligibility | Not in MITC | Salaried: gross monthly income above ₹50,000; Self-employed: annual ITR above ₹7,20,000 (₹7.2 lakh) | • |
✓ both agree ⚠ differ — verify • MITC only • microsite only
Live microsite fetch this run: thin 37, ok 3, blocked 1. HDFC microsites are JavaScript-rendered, so where the live fetch was thin the microsite column shows the fact as previously recorded from that card’s HDFC page — open the linked URL to verify. See the full schedule of charges → (finance charges, cash-advance, late-fee slabs…), all cited to the MITC.
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