HDFC Bank co-branded with Indigo for Ka-Ching 6E Rewards Credit Card and launched in India under two variants i.e. 6E rewards and 6E rewards XL. I recently had applied for the 6E Rewards Credit Card and received it within seven days. If you are an existing Credit Card holder of the HDFC bank, it’s easy to get the card. They will convert your existing credit card to 6E rewards based on your annual spends and relationship with the banks.
Though I was not aware with the fact that HDFC bank in rare case allow you to have more than one credit card. As soon as I applied for the Indigo 6E rewards credit card, it was issued immediately after converting my existing Regalia First Credit Card. But I requested for cancellation of 6E rewards Credit Card and restoration of Regalia First as I didn’t find the Ka-Ching 6E Rewards Credit Card helpful and much rewarding.
Joining Fees & Charges
Key Highlights :
| Annual Fee |
6E Rewards – Rs 750/- 6E Rewards XL – Rs 2500/- |
| Renewal Fee | Same as Annual Fees |
| Renewal Fee Waiver | No Waiver |
| Variants | MasterCard |
| Maximum Limit | No Limit |
NOTE : No Fees waiver on any of the variants of the 6E rewards card. Annual as well as renewal fees will be charged as mentioned above.
Welcome Benefits
Both the variants come with 6E Prime Voucher and two, complimentary flight ticket. The 6E Prime Voucher will give the privileges like complimentary meal, choice of seat, priority check-in and quicker baggage claim.
IndiGo also offers a complimentary ticket to the cardholders with the base fare waived off. This can be availed only when you make at least 3 transactions in each of the first 3 months of card activation. The extent of waiver is also different for both the variants. The complimentary ticket on 6E Rewards (Regular) variant is worth Rs. 1,500 while the ticket on the 6E Rewards XL (Premium) variant is worth Rs. 3,000. The Annual Fees for the first year can be recovered off.
Reward Points
| Spend Category | 6E Rewards | 6E Rewards XL |
| Retail Spending | 1 point per Rs. 100 | 2 points per Rs. 100 |
| Grocery, Dining and Entertainment | 2 points per Rs. 100 | 3 points per Rs. 100 |
| Spending on IndiGo Website, mobile app and other platforms | 2.5 points per Rs. 100 | 5 points per Rs. 100 |
| Feature Partner of the 6E Rewards Program | Up to 10 points per Rs. 100 | Up to 15 points per Rs. 100 |
Reward Rate
- 1 RP = INR One
- Valid for Two years and against the Indigo vouchers based on First in, First Out basis.
- Special convenience fee of ₹100 per person on domestic flight bookings on IndiGo website, mobile app and other platforms.
Redemption
6E Rewards Program is NOT a Frequent Flyer Program. It is simply a rewards program as applicable on other credit cards in the market. Neither the bank nor IndiGo has given much clarity on the redemption of the accumulated points. However, they have clearly mentioned that the points are valid for 2 years from the date of accrual.
the reward rate is not justified with the annual fees. It is beneficial for regular travelers of Indigo as there is a flat convenience charge for Indigo flight ticket booking.
Also Read – HDFC Bank Regalia First Credit Card Review (2020)
Lounge Access
8 complimentary visits can be availed in a year, capped at 2 visits in a quarter.
This facility is available to only premium variant of the card i.e. Indigo 6E Rewards XL Credit Card and not on the regular 6E Rewards. Free lounge access will be provided by MasterCard and is valid only for partner lounges within India.
How to Apply for Regalia First Credit Card
- New Application:
- 6E Rewards – Salaried > Rs 20,000 per month and non salaried > 6 Lakhs Per Annum
- 6E rewards XL – Salaried > Rs 1,00,000 per month and non salaried > 12 Lakhs Per Annum
- Upgrade: Existing HDFC card (Moneyback/Regalia First) with good spends would help.
Bottomline – Ka-Ching 6E Rewards Credit Card Reviews
Frankly speaking, the 6E rewards card is useful only when you are a regular flyer with Indigo as it is offering 5 rewards point with premium variant against per INR 100. The redemption will also be made against the Indigo flight tickets. There is an additional condition that the 5% reward point will be applicable only if you book the ticket from Indigo website or mobile app.
If I compare the offering and discount on flight ticket booking on makemytrip or Yatra or Goibibo, I usually get up to Rs 1500 discount with my other credit cards like Citi or SBI or Amazon pay, which is very good even after adjusting the convenience fees, which is approximately Rs 350. The Indigo 6E rewards is offering the flat convenience fees of Rs 100. If I compare the discount offered by these portals after adjusting the convenience fee charges, still I get the better deal. I suggest to compare and analyze your travel expenses before applying for this card.