HDFC Bank has partnered with IndiGo to launch two co-branded credit cards –
- Ka-Ching 6E Rewards card
- Ka-Ching 6E Rewards XL
The 6E Rewards XL is a premium credit card that offers a high reward rate with a high annual fee of Rs. 1,500. On the other hand, the 6E Rewards card is a basic credit card with an annual fee of Rs. 500.
Let’s discuss the detailed review of IndiGo HDFC Bank Ka-Ching credit cards.
Fees & Charges of IndiGo HDFC Bank Ka-Ching Credit Cards
| Fees | 6E Rewards | 6E Rewards XL |
| Joining Fees | Rs. 500 | Rs. 1,500 |
| Renewal Fees | Rs. 500 | Rs. 1,500 |
| Foreign Currency Mark-up | 3.5% | 2.5% |
Spend Based Waiver
Both the cards do not offer any annual fee waiver condition. You need to pay the fees every year.
Welcome Benefits of IndiGo HDFC Bank Ka-Ching Credit Cards
For 6E Rewards XL
- You get 1 complimentary IndiGo air ticket worth Rs 3,000 on making 3 or more transactions with in the 90 days after card issuance.
- You can enjoy 1 complimentary 6E Prime Add-On (Priority check-in, choice of seat, a complimentary meal and quicker baggage).
- You can avail the welcome benefits within the 6 months after the card issuance.
- Additional welcome vouchers from Accor Hotel stay (30% off) worth Rs 5,000.
- Rs 1,000 Accor Hotel Dining voucher.
For more better traveling experience, you can use Axis Vistara Platinum credit card that comes with same annual fee. You can enjoy up to 4 economy class vistara ticktets with Club Vistara membership.
For 6E Rewards
- You get 1 complimentary IndiGo air ticket worth Rs 1,500 on making 3 or more transactions with in the 90 days after card issuance.
- You can enjoy 1 complimentary 6E Prime Add-On.
- You can avail the welcome benefits within the 6 months after the card issuance.
IndiGo HDFC Bank Ka-Ching Rewards
| Spend Category | 6E Rewards | 6E Rewards XL |
| IndiGo | 2.5% | 5% |
| Dining, Grocery & Entertainment | 2% | 3% |
| Other Spends (Incl Fuel spends on every Rs. 100) | 1% | 2% |
Rewards For 6E Rewards Card
- You get a discounted convenience fee of Rs. 150 per passenger on IndiGo tickets (normally Rs 300).
- The additional 2% 6E Rewards for grocery, entertainment and dining spends are capped at Rs. 50,000 per billing cycle.
If you more spend on grocery, entertainment and dining category, then you can choose HDFC Millennia credit card for a better cashback return. You can enjoy 5% cash back on Amazon, Flipkart, Myntra, BookMyShow, Swiggy, Zomato, Sony LIV, and Uber.
Rewards For 6E Rewards XL Card
- Additionally, you get 1% 6E Rewards for dining, grocery, and entertainment spends with max capping of Rs. 75,000 per statement period.
- The 6E Rewards are valid for 24 months (2 years) from the date of accumulation.
- Rs. 150 discount per passenger on convenience fee on IndiGo tickets (normally Rs 300).
Reward Redemption Value
- 1 6E Reward Point = Rs 1.
- You can redeem your earned rewards on the IndiGo 6E portal.
Benefits of IndiGo HDFC Bank Ka-Ching Credit Cards
Airport Lounge Access
- Only for XL Variant – 8 complimentary domestic lounge visits annually with maximum 2 visits per quarter.
If you have a debit card, you may like to read best debit cards that offers complimentary lounge access.
Movie & Dining Benefits
- Get 3% 6E Rewards on Dining spends with 6E Rewards XL card.
- For both cards – Exciting discount offers on dining at premium restaurants through the Good Food Trail Dining Program.
Fuel Surcharge Waiver
- For 6E Reward Card – Get 1% fuel surcharge waiver for purchases between Rs. 400 & Rs. 5,000. The maximum cap is Rs. 250 per month.
- For XL variant – There is no offer on fuel transactions.
Pros & Cons
Pros of IndiGo HDFC Bank Ka-Ching Credit Cards
- Complimentary welcome benefits in the first-year for both cards.
- Access to domestic airport lounge on XL variant.
- Good reward rate for the XL variant.
- Discounted convenience fees on IndiGo tickets.
Cons of IndiGo HDFC Bank Ka-Ching Credit Cards
- Low reward rate for the regular 6E Rewards variant.
- No annual fee waiver condition.
- No fuel surcharge waiver on XL variant.
FAQs
#1. How to redeem IndiGo HDFC Bank Ka-Ching 6E Rewards?
To redeem the earned 6E rewards, you need to visit the IndiGo portal for 6E Rewards’ benefits which include IndiGo flight tickets.
#2. What is the validity period of 6E Rewards?
The 6E Rewards are valid for 24 months (2 years) from the time of accumulation.
#3. What is the reward redemption value of 6E Rewards?
1 6E Reward = Rs. 1
Takeaway
The IndiGo HDFC Bank Ka-Ching Credit Card is an excellent credit card for frequent flyers who want to make the most of their air travel experience. The 6E Rewards XL variant offers a high reward rate on certain categories such as airline ticket purchases, dining, grocery, and entertainment spends. Also, XL variant provide domestic airport lounge access.
