HDFC Ka-ching Credit Card-6E Rewards Review

By | September 2, 2020
HDFC Ka-ching Credit Card

HDFC Ka-ching Credit Card ?? HDFC Bank and Indigo, the largest company in their respective industry, have come together to offer a co-brand credit card to Indians, powered by Mastercard.

There are two variants of this credit card 6E Rewards and 6E Rewards XL. This credit card offers 2% -5% on indigo spends. 6E Rewards program is owned, managed, and operated by IndiGo. We will check-in details for both card variants.

HDFC Ka-ching Credit Card-6E Rewards

Joining and Annual Fees

  • Joining Fees: Rs. 700+ GST
  • Renewal Fees: Rs. 700+ GST

Welcome Benefits

  • Complimentary IndiGo air ticket worth Rs. 1500
  • Complimentary 6E Prime add-on membership

It is quite evident that HFDC bank and Indigo compensate the Joining fees by giving welcome benefits worth Rs. 1500. Apart from Airticekts as a welcome benefit, you also get 6E prime membership.

Complimentary 6E Prime add-on is available only for domestic flights. You can use the membership for priority check-in, choice of seat, a complimentary snack combo, quicker baggage claim.

1. Members can only use welcome benefits after paying an annual fee
2. IndiGo air tickets are valid for six months from the date of issuance.

Benefits-6E Rewards

Travel benefits

  • 2.5% 6E Rewards on IndiGo
  • Waiver of convenience fee of INR 100 per pax per sector
  • 1 6E Rewards = 1 INR

2.5% 6E Rewards are applicable on IndiGo, you will not earn 2.5% rewards points on IndiGo for the group, corporate, SME, and agent bookings.

Other benefits

  • 2% 6E Rewards on entertainment, dining, and grocery
  • 1% 6E Rewards on all other transactions
  • 1% fuel surcharge waiver
  • Free three Add-on card for your family members

1% 6E Rewards on dining, entertainment, and grocery, over and above the 1% 6E Rewards on all other transactions, are limited to Rs. 50,000 spends in a billing cycle. You will not get rewards points purchase of fuel, Loading amount in wallets

Pro Tips: You can also get 1% rewards points on insurance, however there is a transaction cap of Rs. 2,50,000 per billing cycle

Partner benefits

IndiGo Partner benefits
IndiGo Partner benefits
  • 5% 6E Rewards on 6E Treats
  • 6% 6E Rewards on AVA (IndiGo Airport Merchandise Partner)
  • 7% 6E Rewards on Avis
  • 10% 6E Rewards on BeU Salon
  • 6% 6E Rewards on NetMeds
  • Check T & C of partnered program.

HDFC Ka-ching Credit Card-6E Rewards offer a default rewards rate 1% on all spends that is decent however all rewards points can be used only against Indigo spends.

HDFC Ka-ching Credit Card-6E Rewards XL

6 Rewards XL
6 Rewards XL

Joining and Annual Fees

  • Joining Fees: Rs. 2500+ GST
  • Renewal Fees: Rs. 2500+ GST

Welcome Benefits

  • Complimentary IndiGo air ticket worth Rs. 3000/-
  • Complimentary 6E Prime add-on membership

It is quite evident that HFDC bank and Indigo compensate the Joining fees by giving welcome benefits worth Rs. 3000/-. Apart from Airticekts as a welcome benefit, you also get 6E prime membership.

Benefits-6E Rewards XL

Travel benefits

  • 5% 6E Rewards on IndiGo
  • Waiver of convenience fee of INR 100 per pax per sector
  • 1 6E Rewards = 1 INR
  • Domestic Airport complementary Lounge access

2 Complimentary Domestic Airport Lounge access is available in every quarter at select airports.

Other benefits

  • 3% 6E Rewards on entertainment, dining, and grocery
  • 2% 6E Rewards on all other transactions
  • 1% fuel surcharge waiver
  • Free three Add-on card for your family members
  • Foreign currency mark-up fee of 2.5%

Partner benefits

  • 7% 6E Rewards on 6E Treats
  • 10% 6E Rewards on AVA (IndiGo Airport Merchandise Partner)
  • 10% 6E Rewards on Avis
  • 15% 6E Rewards on BeU Salon
  • 8% 6E Rewards on NetMeds
  • Check T & C of partnered program.

6E Rewards HDFC Ka-ching Credit Card XL offers spectacular rewards on entertainment, dining, and grocery. The default reward rate of 2% on all other spends is also a good one.

The 6E Rewards Program

The 6E Rewards Program
The 6E Rewards Program

Under the 6E Rewards Program, you can redeem your earned points for booking IndiGo Flight tickets. 1 6E rewards = 1 INR . Rewards points are valid for 24 months from the date of points earned.

Pros and Cons HDFC Bank Ka-Ching 6E Rewards Credit Card

Pros

  • Default rewards point 1% and 2%
  • Splendid Benefits at partner program
  • 1 6E Rewards = 1 INR
  • Easy to Get one

Cons

  • Rewards can be redeemed only against Indigo
  • Airport Lounge access benefits are not available on the Basic variant.
  • NO waiver of Joining and Annual Fees

Bottomline

6E Rewards HDFC Ka-ching Credit Card is undoubtedly a wonderful credit card for frequent travelers. Indigo is the largest airline in the county which also provides fare prices for the flight.

6E rewards program is not a Frequent flyer program like a fantastic Club Vistara frequent flyer program; however, you can get good benefits out of it if you are a frequent flyer without Club Vistara membership. Default rewards points of the Basic variant are 1% which is similar to entry-level credit cards like Citibank Paytm first credit card and Amazon Pay ICICI Bank credit card

HDFC Bank Ka-Ching 6E Rewards Credit Card

Dhiraj Jha

6 Rewards XL
Joining fees and Renewal Fees
Benefits
Features

Summary

If you are regular travelers, then you can apply for this credit card for traveling benefits, which is decent; otherwise, the default reward rate of other credit is more beneficial.

Apply for this credit if you are a frequent flyer; otherwise, ignore.

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Author: Dhiraj Jha

I love to acquire, review, and earn reward points/cashback from Credit Cards for free traveling and enjoying luxury hotels. Helping people about the benefits and optimal utilization of credit cards.

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