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HDFC BankPlatinum

HDFC 6E Rewards Credit Card

•••• •••• •••• 4242

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Quick facts

HDFC 6E Rewards Credit Card

Top reward5X reward points

Annual fee₹500

Min income₹25,000/mo

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✈️Travel & Miles

HDFC Bank · Platinum tier

HDFC 6E Rewards Credit Card

For flyers who book mostly on IndiGo.

Key Benefits

IndiGo spends: 5X reward pointsOther spends: 1X reward pointsAnnual fee waiver at ₹2,00,000 yearly spendBest for: IndiGo frequent flyers

Realistic net value (moderate user)

₹380/year

Annual fee

₹500

Issuer headline rate: 5X reward points — see calculator for caps

After ₹500 fee & ₹630 forex. Based on ₹40,000/mo spend.

Age 21–60From ₹25,000/mo incomeUnsecured

Not your spend profile? Customize in the calculator →

12,400 users matched · Verified 2026-06-25

Apply directly with the bank. We never call you. The bank may contact you on their application form.

We earn commission if approved — at no cost to you. Zero sales calls.

Our transparency commitment

✓ Reward caps shown in absolute ₹ — not just "5% cashback"

✓ Exclusions listed upfront — fuel, EMI, rent, wallet

✓ Point conversions with conservative ₹/point rates

Rates, fees, and eligibility notes are sourced from public issuer information and may contain errors. Always verify on the bank's website before applying.

All Benefits

Rewards, lounge rules, fee perks, and extras — sourced from public issuer information.

IndiGo spends: 5X reward points
Other spends: 1X reward points
IndiGo 6E rewards
Accelerated points on IndiGo
Annual fee waiver at ₹2,00,000 yearly spend
Best for: IndiGo frequent flyers
Best for: 6E reward collectors

Source: HDFC 6E Rewards T&Cs

✈️Travel & Miles

Flights, hotels, zero forex options

UPI rewards (credit on UPI)

UPI credit not supported

Visa/Mastercard — UPI credit not supported.

UPI credit uses RuPay-linked cards on apps like GPay, PhonePe, and Paytm. Rates and exclusions follow issuer MITC — verify before relying on UPI for rewards.

Reward Structure

Source: HDFC 6E Rewards T&Cs

IndiGo spends

5X reward points

Other spends

1X reward points

Excluded categories (no rewards)

EMIFuelRentWallet

Fee waiver at

₹2,00,000 annual spend

What You Actually Earn (in ₹)

Absolute INR estimates based on your spends. Caps and exclusions applied — no marketing fluff.

Gross rewards / year

₹1,010

Before fees & forex

Costs / year

₹630

Fee ₹0 + forex ₹630

Net value / year

₹380

0.08% effective return on spend

Points earned (all categories)

≈ 337 pts/mo (4,044 pts/yr) before caps · at ₹0.25/pt that's ~₹84.25/mo (~₹1,011/yr) in reward value

Category-wise breakdown

Travel & flights (IndiGo only)

Spend ₹5,000/mo · 5 pts per ₹150 spend

₹500.00/year

₹41.67/mo

₹5,000 → 167 pts/mo × ₹0.25/pt = ₹41.67/mo

167 pts/mo (2,004 pts/yr) × ₹0.25/pt → ₹41.67/mo

All other eligible spends

Spend ₹25,500/mo · 1 pts per ₹150 spend

₹510/year

₹42.50/mo

₹25,500 → 170 pts/mo × ₹0.25/pt = ₹42.50/mo

170 pts/mo (2,040 pts/yr) × ₹0.25/pt → ₹42.50/mo

Fee waiver likely: Your ₹4,80,000/yr spend exceeds the ₹2,00,000 waiver threshold.

Estimates assume eligible spends only (exclusions per issuer T&Cs apply). Point values use typical redemption rates — actual value varies by redemption choice. Bank approval and reward crediting is at issuer discretion.

Best for

→IndiGo frequent flyers
→6E reward collectors

Points → INR Conversion Guide

Marketing says "10X points" — here's what that actually means in your pocket.

travel — 5 pts per ₹150 spend

You spend

₹10,000

→

You earn

333 pts

Worth ≈

₹83.33

@ ₹0.25/point

all — 1 pts per ₹150 spend

You spend

₹10,000

→

You earn

67 pts

Worth ≈

₹16.67

@ ₹0.25/point

Redemption reality: Point value varies — cashback redemption is typically lower than travel partner transfers. We use a conservative ₹0.25/pt in calculations.

Still deciding? Compare side-by-side or get a personalized shortlist.

Fees & Charges — Full Disclosure

All amounts in INR. Everything that can reduce your net value.

Joining fee

Charged in first year

₹500

Annual / renewal fee

Waived on ₹2,00,000 annual spend

₹500

Forex markup

3.5% on international transactions

Finance charges

≈3.5–3.75% per month (42–45% p.a.) if you revolve balance — pay in full to avoid

Late payment fee

₹400–₹1,300 depending on statement balance — always pay on time

Reward redemption fee

Usually ₹0 for cashback cards; points cards may have ₹99+ redemption fee

Example: moderate user net math

Gross rewards+ ₹1,010

Annual fee− ₹0

Forex cost− ₹630

Net annual value₹380

Eligibility Snapshot

Public criteria from HDFC 6E Rewards T&Cs. Bank makes final decision.

Minimum age21–60 years

Min income (salaried)₹25,000/mo

Min income (self-employed)₹3,00,000/year

Employment acceptedsalaried, self employed

Credit historyNo minimum stated

CIBIL checkBank checks at application — CardHungry never pulls your score

Secured optionUnsecured card only

Card tierPlatinum — premium benefits tier

Important: These are indicative eligibility bands from issuer websites. Actual approval depends on the bank's internal score, existing relationship, and current portfolio policy. CardHungry shows bands, not guarantees.

FAQ

How much can I actually earn with HDFC 6E Rewards Credit Card?+

At moderate spend (₹40,000/mo), gross rewards are about ₹1,010/year. After the ₹500 annual fee, net value is approximately ₹380/year. Use the calculator above to model your own spends.

What is the minimum income for HDFC 6E Rewards Credit Card?+

₹25,000/month for salaried applicants (indicative — bank decides).

What spends do NOT earn rewards?+

EMI, Fuel, Rent, Wallet.

Does CardHungry pull my CIBIL score?+

No. We use public eligibility criteria only. The bank will check CIBIL when you apply.

How do I get the annual fee waived?+

Spend ₹2,00,000 in a calendar year to get the ₹500 renewal fee reversed.