My dad has always loved the mountains, and from the time I was five, along with my younger brother, we started a tradition of mountain vacations. I don’t have the best memory of when I was 5 but our first family trip to Shimla, with my brother just one-year-old. Since then, we’ve taken more than six trips to the mountains, including two unforgettable visits to Leh.
Memories from our second trip to Leh this February – breathtaking landscapes, chilly adventures, and moments we’ll cherish forever. ❄️🏔️
Twenty years ago, we would travel by train since it was cheaper, and long-distance travel by air wasn’t as feasible for us. But as years passed, college life and my dad’s work commitments made it harder to take long vacations. That’s when we started considering flights, though, as anyone who has booked a flight for a family will tell you, the cost can be overwhelming.
We knew we needed a better strategy to manage these travel costs. That’s when we began exploring credit cards and how we could accumulate points over the years to make our travel more affordable. The goal was simple: use points to fund some of our trips, making our family vacations more sustainable.
This is where the 6E Rewards IndiGo HDFC Bank Credit Card came into the picture. It revolutionized my flight booking experience by turning my everyday spending into travel rewards. From groceries to utility bills, every transaction brought us closer to booking flights, even for international destinations.
Let me share my personal experience with this credit card—how I’ve earned and redeemed points, the benefits I’ve enjoyed, and the card’s limitations. I hope this helps frequent flyers and budget travelers like us make the most out of this card for their travel goals.
Understanding the 6E Rewards Program Structure
Let me share how I maximize travel benefits with the 6E Rewards program structure. The program amazed me from day one. This isn’t just another points system — it’s a complete rewards program tailored for travel enthusiasts like my family.
The program’s foundation couldn’t be simpler: each 6E Reward point equals one rupee. The straightforward nature of this system makes reward calculations effortless. My trip planning becomes easier since I know exactly how many points I need for my flights.
The earning structure makes this program stand out. Here’s my point-earning strategy:
- 2.5 points per ₹100 on IndiGo flight bookings
- 2 points per ₹100 on grocery, dining, and entertainment
- 1 point per ₹100 on all other purchases
- Bonus points through partner brands like BeU Salon and NetMeds
Point redemption flexibility works great for me. My points cover both flight tickets and add-on services like meals or seat selection. The program lets me set up three nominees who can use my points – a perfect way to gift flights to family members.
Point validity worried me at first, but the two-year redemption window proved generous enough. Points stay valid from their earning date, which gives me plenty of time to save up for meaningful redemptions. Points usually show up in my IndiGo account within 90 days after transactions.
After the launch of Indigo Bluechip, you can access the 6E rewards website from the old UI. They also have a running banner on the new version of their site to access the 6E rewards or even credit shell.
Discovering the Best Credit Card for Travel Rewards
Unless you’ve been living under a rock—or your dad has an absolute aversion to credit cards—you probably own at least one or have heard about their “impressive” reward systems. Let’s face it: we’re bombarded by ads and sales calls every day about the latest credit cards promising unbeatable perks and rewards. From cashback offers to travel points, the market is overflowing with options.
But here’s the catch: not all rewards are created equal, and navigating the world of credit card reward systems can be overwhelming. Each card comes with its own unique point system, conversion ratios, and redemption platforms. It’s not just about earning points; it’s about figuring out how to redeem them for the best value.
For instance, when I tried using reward platforms from cards like YES Bank or RBL Bank, I quickly realized that flights booked through their portals were often pricier than those available on third-party apps or directly on the airline’s website. This left me questioning whether redeeming points was worth it, or if I was better off just paying cash. The calculations—comparing voucher options, third-party prices, and point conversions—became exhausting and often left me feeling cheated.
That’s why the 6E Rewards IndiGo HDFC Bank Credit Card was such a game-changer. It took the complexity out of the equation. With this card, the reward system is crystal clear: 1 reward point equals ₹1, and you can use these points directly on IndiGo’s website. No inflated prices, no hidden fees, and no mental math required.
If you’re a frequent traveler within India, this card is especially appealing. IndiGo has one of the largest domestic networks, which means there’s almost always a flight available on the route you need. What other cards made frustrating and convoluted, HDFC and IndiGo turned into a simple and rewarding process.
The Game-Changer: 6E Rewards IndiGo HDFC Credit Card
Everything changed when my dad upgraded his HDFC Moneyback credit card to 6E Rewards IndiGo HDFC Credit Card. The card’s straightforward approach to rewards and travel benefits caught my eye right away. It offered unique features I hadn’t seen before:
- Welcome benefits including a complimentary flight ticket worth ₹1,500 or ₹3,000 if you’re a 6E XL member.
- A free 6E Prime Add-On package with priority check-in and seat selection
- Discounted convenience fees on flight bookings
The card’s integration with IndiGo’s ecosystem makes it special. My previous cards needed complex point transfers or had restrictive blackout dates, but this card’s rewards directly convert to flight benefits. Turkish Airlines’ partnership opened new international travel possibilities.
The annual fee of ₹700 was totally worth it because benefits proved their worth fast. We earned enough points through regular spending to book a domestic flight in just three months. The card turned my everyday purchases into travel opportunities, and each transaction became an investment in my family’s next adventure.
How the 6E Rewards IndiGo HDFC Credit Card Works
My 6E Rewards IndiGo HDFC Credit Card has become an essential part of my daily life.
Understanding the Reward System
The reward system works on a practical tiered structure. Booking flights through IndiGo’s website or app helps me earn 2.5 6E Rewards for every ₹100 spent. Regular purchases at restaurants, grocery stores, and entertainment spots give me 2 6E Rewards per ₹100. Every other purchase earns 1 point per ₹100.
These points translate well into real value. Each 6E Reward point equals one rupee toward flight bookings. Points show up in my IndiGo account within 90 days after a purchase. They stay valid for two years, which gives me plenty of time to save up for bigger rewards.
Key Benefits of the 6E Rewards Credit Card
This card offers several benefits that make it worth having:
- Lower convenience fee of ₹150 per passenger on flight bookings
- Zero liability protection if the card gets lost
- Up to 50 days interest-free credit period
- Access to the Good Food Trail dining program at premium restaurants
- Smart EMI option that breaks down large purchases into smaller payments
The card’s foreign currency functionality works great too. The 3.5% markup on international transactions is similar to other credit cards in the market and you earn points on that too.
Earning Points: Everyday Spending to Travel Rewards
My 6E Rewards card has changed how I look at daily expenses. These days, I can turn my regular spending into travel opportunities. The key is to know the best ways to earn points.
Paying Bills and Shopping for Points
My monthly bills now help me earn travel rewards. The Bill Value program lets me earn points in several ways:
- 500 bonus points on my first utility bill payment
- 2% cashback (up to ₹200) on Smart Pay payments
- 1% cashback (up to ₹150) on direct utility bill payments
- 2.5% rewards on IndiGo bookings
- 2% rewards on grocery, dining, and entertainment
The best part is that every transaction counts. Each time I pay an electricity bill or buy groceries, I get closer to my next flight. The Bill Value program costs ₹199 annually, but the rewards make it worth every rupee.
Maximizing Point Accumulation
In our family, maximizing point accumulation with the 6E Rewards IndiGo HDFC Bank Credit Card became a team effort. We discovered that by strategically using the card for everyday and recurring expenses, we could earn significant rewards without any extra effort.
One of the key strategies we adopted was to route all our monthly payments through the credit card. This included big-ticket expenses like insurance and policy payments that my dad needed to make. Platforms like Amazon Pay made this incredibly convenient with their comprehensive bill payment options. From life and health insurance premiums to utilities, all of these payments could be seamlessly made using a credit card.
No matter which app you use—be it Amazon Pay, Paytm, PhonePe, or any other—it’s worth taking a moment to explore the range of bill payment options available. You’d be surprised how many routine expenses, like insurance premiums, electricity bills, or even mobile recharges, can be handled through a credit card. Each transaction contributes to your reward points, bringing you closer to free or discounted flights.
When I moved to London for my studies, we realized we could also use the credit card to pay a portion of my tuition fees. Even though we had to account for Forex fees, this was still a smart move, as it helped us earn a substantial number of reward points. Similarly, when my brother moved to Dublin this year, we followed the same strategy for his fee payments. The reality is that regardless of the payment mode—bank transfers, third-party apps, or credit cards—you’ll incur some Forex charges when transferring money from India to another country. However, using the credit card allowed us to make the most of these unavoidable expenses by turning them into travel rewards.
Of course, responsible credit card use is crucial. Always ensure that you pay your credit card bills on time and never let the balance remain overdue. Late payments not only attract hefty interest charges but can also negate the benefits of the rewards you’re earning.
To make things even easier, we enabled automatic payments for our credit card bills. Most banks allow you to link your credit card to your savings account and set up an auto-debit option for the full payment. This way, the bill is deducted automatically every month, eliminating the risk of late fees or accruing interest. It’s a simple step that ensures we’re always ahead of our payments and continue to enjoy the full benefits of our card.
By aligning our everyday spending with the 6E Rewards program, we’ve not only simplified our bill management but also maximized the value we get from our credit card. It’s a win-win approach that makes routine expenses work for us.
Redeeming Points: Booking Flights Almost for Free
Booking flights with my hard-earned points has become one of my favorite activities. The joy of securing a flight using points from everyday spending is exceptional. Let me share how I make this work.
How to Redeem Points for IndiGo Flights
The points redemption works in a straightforward way. My points take up to 90 days to transfer to my IndiGo account. After that, I follow these simple steps:
- Log into IndiGo account using registered mobile number
- Search for desired flights on the IndiGo website or app
- Select the flight and proceed to payment
- Choose ‘6E Rewards’ as the payment method
- Complete the booking
The best part is that each point equals one rupee. This makes calculating points needed for my next flight simple.
Booking International Flights with IndiGo and Turkish Airlines
Advantages and Drawbacks of the 6E Rewards IndiGo HDFC Credit Card
After couple of years with this card, I’ve got a good handle on what works and what doesn’t. Every credit card comes with its ups and downs, but the 6E Rewards IndiGo HDFC Credit Card stands out from other travel cards I’ve tried.
Major Benefits for Frequent Flyers
My travels have shown me some great features that make this card special. These benefits have really made a difference:
- 8 complimentary domestic airport lounge visits annually (2 per quarter)
- Exclusive dining privileges through Good Food Trail program
- Zero lost card liability protection
- Up to 50 days interest-free credit period
- Smart EMI conversion option for large purchases
The discounted convenience fee of ₹150 per passenger on IndiGo bookings is a huge plus. This adds up to big savings when I book tickets for family trips. My rewards work naturally with IndiGo’s system, so I can use them for flights and extra services.
The Biggest Problem: Limited to IndiGo Flights
I’ll be honest – you can only use this card with IndiGo, which might not work if you fly other airlines often. There’s also a 2.5% foreign currency markup fee for international transactions, something to remember when traveling abroad.
But I’ve found some ways around these limits. Turkish Airlines partnership opened up more international options than I expected.
The perks are worth more than the limits, especially since IndiGo flies to most places I need to go. The simple math of 1 point equals ₹1 helps me get the most value from my daily spending.
Final Thoughts: Is the 6E Rewards IndiGo HDFC Credit Card Worth It?
My experience with the 6E Rewards IndiGo HDFC Credit Card shows how the right credit card choice can make travel dreams more available. I’ve turned my everyday purchases, bill payments, and strategic spending into memorable flights across domestic and international destinations.
This travel card’s rewards system outshines others I’ve used. The points show up consistently in my account, and their direct conversion to flight value simplifies redemption. While redemption works only for IndiGo flights, the Turkish Airlines strategic collaboration opens up worldwide destinations, making this restriction nowhere near as limiting as it seems.
The best part is seeing regular expenses turn into travel possibilities. Every grocery run, restaurant visit, and utility payment brings the next adventure closer. A year of card usage proves it delivers on its promise – a simple way to earn free flights through daily spending.
Want your everyday purchases to count toward your travel goals? The 6E Rewards IndiGo HDFC Credit Card could be your ideal travel companion. Plan your spending around reward limits and track point expiration dates to get the most from your benefits.