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6E Rewards XL IndiGo HDFC Bank Credit Card Review

Published: September 27, 2026 By Credit Card Path Editorial
Airport Lounge Access Cards HDFC Bank Cards Travel & Air Miles Cards
6E Rewards XL IndiGo HDFC Bank Credit Card official image showing premium IndiGo flight and lounge benefits

If you fly IndiGo frequently and want higher rewards plus domestic lounge access, the 6E Rewards XL - IndiGo HDFC Bank Credit Card is the upgraded version of the base 6E Rewards card. This complete 2024 review covers the improved 5% earning rate on IndiGo bookings, 3% on grocery and dining, 8 complimentary domestic lounge visits, welcome free ticket, fees, eligibility and whether the higher annual fee is justified for frequent flyers.

1. Brief Introduction (Card Overview)

•
Card Name: 6E Rewards XL - IndiGo HDFC Bank Credit Card
•
Issuer Bank: HDFC Bank (co-branded with IndiGo)
•
Card Network: Visa / Mastercard
•
Card Type: Premium Airline / Travel Co-branded Rewards Card
•
Ideal User for this Card: Frequent IndiGo flyers who also spend on groceries, dining and entertainment and value domestic lounge access along with higher reward rates

2. Key Takeaways

  • Best for: Regular IndiGo travellers who want higher rewards and domestic lounge access
  • Top Benefit: 5 6E Rewards per ₹100 on IndiGo bookings + 8 domestic lounge visits per year
  • Annual Fee: ₹1,500 + GST
  • Standout Feature: Welcome free flight voucher worth ₹3,000 + 6E Prime Add-on + better forex rate of 2.5%
  • Verdict: Strong upgrade over the base 6E Rewards card if you fly IndiGo often and use lounges; less suitable if your spends are low

3. Fees & Charges

Fee TypeDetails
Joining Fee₹1,500 + GST
Annual / Renewal Fee₹1,500 + GST
Forex Markup Fee2.5% + GST on international transactions (better than the base card)
Finance Charges (Interest)Approximately 3.75% per month (around 45% per annum) on revolving credit
Reward Redemption FeeMay apply for certain redemptions (typically ₹99 + GST); flight redemptions via IndiGo account are usually straightforward

According to the official website, the higher fee is offset by stronger rewards, lounge access and a more valuable welcome free ticket for frequent flyers.

4. Cashback, Rewards & Discounts

5
5 6E Rewards per ₹100 on IndiGo Bookings: Earn 5 6E Rewards for every ₹100 spent on flight bookings made directly on the IndiGo website or mobile app. This is double the rate of the base 6E Rewards card and delivers excellent value for regular flyers.
3
3 6E Rewards per ₹100 on Grocery, Dining & Entertainment: Earn 3 6E Rewards for every ₹100 spent in these categories. Monthly caps may apply (commonly higher than the base card) – always check the latest MITC.
2
2 6E Rewards per ₹100 on Other Spends: Base rate of 2 6E Rewards for every ₹100 on most other eligible retail spends. Fuel and certain excluded categories usually earn zero points.
₹
Redemption Value: 1 6E Reward = ₹1 when redeemed against IndiGo flight bookings or 6E add-on services via the IndiGo account. Points are transferred monthly and remain valid for 2 years.
🎁
Welcome Benefit: Complimentary IndiGo flight ticket voucher worth ₹3,000 + one 6E Prime Add-on (priority check-in / seat choice / complimentary meal) when you pay the joining fee and complete minimum 3 transactions in each of the first 3 months from card issuance.

5. Travel Benefits

•
Domestic Lounge Access: 8 complimentary domestic airport lounge visits per year (maximum 2 visits per quarter) via the applicable lounge programme. This is a key upgrade over the base 6E Rewards card.
•
Free Flight Voucher: Welcome free ticket worth ₹3,000 (subject to meeting the 3-transactions-per-month criteria for the first 3 months) provides strong early value that more than offsets the joining fee.
•
6E Prime Add-on: Complimentary priority check-in, seat selection or meal voucher as part of the welcome package.
•
Forex Markup: Competitive 2.5% + GST on international transactions – better than the base card’s 3.5% and many mid-tier cards.

6. Other Lifestyle & Special Perks

•
Fuel Benefit: 1% fuel surcharge waiver on eligible transactions (typically minimum ₹400, with a monthly cap around ₹500).
•
Interest-Free Period: Up to 50 days from the date of purchase (subject to merchant settlement and full payment by due date).
•
Zero Lost Card Liability: Report loss or theft immediately to the 24-hour HDFC helpline and you have zero liability on fraudulent transactions made after reporting.
•
Points Transfer: 6E Rewards are credited to your IndiGo account at the end of the month and can only be redeemed there for flights and add-ons.

7. Eligibility Criteria

•
Salaried Applicants: Indian national, age 21–60 years, higher income requirement (commonly gross monthly income around ₹1.2 lakh or as per current bank policy).
•
Self-Employed Applicants: Indian national, age 21–65 years, higher annual ITR requirement (often above ₹14 lakh).
•
Credit Score: A good to excellent CIBIL score is preferred for this higher-tier variant. Final decision rests with HDFC Bank.
•
Nationality: Only Indian nationals / residents are eligible as per published criteria.

8. Drawbacks & Cons

•
Higher Annual Fee: ₹1,500 + GST is significantly higher than the base 6E Rewards card and needs regular IndiGo travel and lounge usage to justify.
•
Points Locked to IndiGo: 6E Rewards can only be redeemed for IndiGo flights and add-ons. They have no value on other airlines.
•
Caps on Accelerated Categories: Grocery, dining and entertainment earnings are still subject to monthly caps.
•
No International Lounges: Lounge access is limited to domestic airports only.
•
Availability: Some official pages have indicated limited new sourcing. Always check current availability on the HDFC website before applying.

9. Similar & Alternative Cards

•
6E Rewards IndiGo HDFC Bank Credit Card (Base): Lower fee and lower rewards. Better if your IndiGo spends are moderate and you do not need lounge access. [LINK: 6E Rewards IndiGo HDFC Bank Credit Card Review]
•
Other Airline Co-branded Cards: Cards linked to Air India or other carriers may offer different redemption flexibility. Compare if you fly multiple airlines. [LINK: Best Airline Credit Cards in India]
•
HDFC Regalia Gold or Infinia: Stronger general lifestyle, lounge and redemption options if your spends are not heavily IndiGo-focused. [LINK: HDFC Regalia Gold Credit Card Review]

10. Official Website & Essential Links

🔗
Official Bank Link: Apply / View Official Page
🔗
Terms & Conditions: Always download the latest Most Important Terms and Conditions (MITC) and 6E Rewards XL programme rules from the official HDFC Bank and IndiGo websites before applying.

11. How to Apply

Online Steps:

  1. Visit the official HDFC Bank 6E Rewards XL IndiGo Credit Card page or open the HDFC Bank mobile app / NetBanking.
  2. Click on “Apply Now” and enter your mobile number along with basic personal details.
  3. Provide employment type, income details and complete any required document upload or video KYC.
  4. Review the application summary, accept the terms and submit.
  5. Track status via SMS or the app. On approval, activate the card, set your PIN and complete the minimum transactions to unlock the welcome free ticket.

Documents Required:

•
Identity Proof: PAN Card (mandatory) + Aadhaar / Passport / Voter ID / Driving Licence
•
Address Proof: Aadhaar, utility bill, passport or rental agreement
•
Income Proof: Latest salary slips or Form 16 (salaried) / ITR and bank statements (self-employed). Higher documented income improves approval chances for this variant.

12. Safety & Fraud Prevention Tips

🔒
OTP & CVV Security: Banks or officials never ask for OTP, CVV, or passwords over the phone or email. Never share these details.
🔒
Safe Links: Always apply only through the official HDFC Bank website or verified mobile app. Avoid third-party links promising instant approval.
🔒
Card Controls: Use NetBanking or the mobile app to set transaction limits, disable international usage or temporarily lock the card if needed.
🔒
Report Immediately: In case of loss or suspicious activity, hotlist the card via the 24-hour HDFC helpline for zero liability protection.

13. Should You Get This Card? (Final Verdict)

Pros Summary: The 6E Rewards XL - IndiGo HDFC Bank Credit Card is ideal for frequent IndiGo flyers who also spend regularly on groceries, dining and entertainment and value domestic lounge access. The higher 5% rate on IndiGo bookings, 8 lounge visits and more valuable welcome free ticket make it a clear upgrade over the base card.

Final Conclusion: If you fly IndiGo often and can justify the ₹1,500 annual fee through rewards and lounge usage, the 6E Rewards XL - IndiGo HDFC Bank Credit Card delivers strong value. If your flying frequency is lower or you prefer more flexible rewards, the base 6E Rewards card or a general lifestyle card may be better. Always verify current availability, earning rates and lounge rules on the official website before applying.

14. Frequently Asked Questions (FAQs)

Q: Can the 6E Rewards XL IndiGo HDFC Bank Credit Card be obtained as Lifetime Free?

A: The standard joining and annual fee is ₹1,500 + GST. There is no widely published lifetime-free or high-spend waiver for this card in current terms. Check the live offer page for any temporary promotions.

Q: What is the reward rate on 6E Rewards XL IndiGo HDFC Bank Credit Card?

A: You earn 5 6E Rewards per ₹100 on IndiGo website/app bookings, 3 6E Rewards per ₹100 on grocery, dining and entertainment, and 2 6E Rewards per ₹100 on other eligible spends. 1 6E Reward equals ₹1 when redeemed for IndiGo flights or add-ons.

Q: How many domestic lounge visits do I get?

A: You get 8 complimentary domestic airport lounge visits per year, with a maximum of 2 visits per quarter.

Q: What is the difference between the base 6E Rewards and the XL card?

A: The XL variant offers higher reward rates (5% vs 2.5% on IndiGo), domestic lounge access (8 visits), a better forex rate (2.5% vs 3.5%) and a higher-value welcome free ticket, at a higher annual fee of ₹1,500.

Q: What is the minimum income required?

A: Salaried applicants typically need higher monthly income (often around ₹1.2 lakh). Self-employed applicants need a higher annual ITR (commonly above ₹14 lakh). Exact thresholds are confirmed during application.

Q: How do I get the free flight ticket voucher?

A: Pay the joining fee and complete a minimum of 3 transactions in each of the first 3 months from the card issuance date. The ₹3,000 flight voucher and 6E Prime Add-on are then credited as per the terms.

Q: Can I use the points on other airlines?

A: No. 6E Rewards can only be redeemed for IndiGo flights and IndiGo add-on services. They have no transfer value to other frequent-flyer programmes.

Q: Is the card still available for new applications?

A: Availability can change. Some official pages have indicated limited new sourcing. Always check the current status on the official HDFC Bank website before applying.

15. Expert Help & Next Steps

Still Confused? Not sure if the 6E Rewards XL IndiGo HDFC Bank Credit Card matches your flying frequency and spend level?

₹49 Expert Consultation: Get personalised advice from our credit card experts and apply safely without falling for online fraud.

Book ₹49 Expert Consultation Apply Now Officially →

16. Disclaimer

Financial Disclaimer: The information provided in this article is strictly for educational and informational purposes. Credit card fees, interest rates, 6E Rewards rates, lounge access rules, welcome benefits and terms & conditions (T&C) are subject to change by HDFC Bank and IndiGo at any time. Always check the official website of HDFC Bank and the latest Most Important Terms and Conditions (MITC) thoroughly before applying for any card. We are not responsible for any financial losses or approved/rejected applications. Data compiled from official sources as of the latest available information in 2024.

Disclaimer & affiliate disclosure: This review is for informational purposes only. Credit card features, fees and offers can change. Always verify details on the official bank website and MITC before applying. Credit Card Path may earn a commission if you apply through links on this page at no extra cost to you. This does not change the price you pay. We are not a bank or RBI-regulated lender.

IRCTC HDFC Bank Credit Card Review

Published: September 27, 2026 By Credit Card Path Editorial
HDFC Bank Cards IRCTC Cards Travel & Air Miles Cards
IRCTC HDFC Bank Credit Card official image highlighting railway rewards and lounge access

If you book train tickets regularly on the IRCTC website or Rail Connect app, the IRCTC HDFC Bank Credit Card is designed specifically for you. This detailed 2026 review explains the 5X reward points on train bookings, additional SmartBuy cashback, 8 complimentary IRCTC Executive Lounge visits, transaction charge waiver, fees, eligibility and whether this co-branded railway card still delivers strong value for frequent train travellers.

1. Brief Introduction (Card Overview)

•
Card Name: IRCTC HDFC Bank Credit Card (also known as HDFC Bank RuPay IRCTC Credit Card)
•
Issuer Bank: HDFC Bank (co-branded with IRCTC)
•
Card Network: RuPay (supports UPI payments)
•
Card Type: Railway / Travel Co-branded Rewards Card
•
Ideal User for this Card: Frequent train travellers who book tickets on the IRCTC website or Rail Connect app and want railway lounge access along with strong rewards on train spends

2. Key Takeaways

  • Best for: Regular IRCTC train ticket bookers who also want railway lounge access
  • Top Benefit: 5 Reward Points per ₹100 on IRCTC bookings (redeemable at 1 RP = ₹1) + extra 5% via SmartBuy
  • Annual Fee: ₹500 + GST (waived on ₹1.5 lakh annual spend)
  • Standout Feature: 8 complimentary IRCTC Executive Lounge visits per year (max 2 per quarter)
  • Verdict: Excellent for train-focused users; weaker for general spending compared with pure cashback cards

3. Fees & Charges

Fee TypeDetails
Joining Fee₹500 + GST
Annual / Renewal Fee₹500 + GST (waived if you spend ₹1,50,000 or more in the anniversary year before renewal)
Forex Markup Fee3.5% + GST on international transactions
Finance Charges (Interest)Approximately 3.75% per month (around 45% per annum) on revolving credit
Reward Redemption FeeUsually none for train ticket redemption via SmartBuy; other redemptions may attract charges
Fuel Surcharge Waiver1% waiver on fuel transactions between ₹400 and ₹5,000 (maximum ₹250 per statement cycle)

According to the official website, the low fee and achievable ₹1.5 lakh waiver make this card affordable for regular users. Some promotional periods have offered lifetime-free variants – always check the live offer page.

4. Cashback, Rewards & Discounts

5X
5 Reward Points per ₹100 on IRCTC Bookings: Earn 5 Reward Points for every ₹100 spent on train tickets booked via the IRCTC ticketing website or Rail Connect app. Capped at a maximum of 1,000 Reward Points per month and 12,000 Reward Points per year.
5%
Additional 5% Cashback via SmartBuy: Book the same IRCTC tickets through the HDFC Bank SmartBuy portal and earn an extra 5% cashback (capped at ₹1,000 per month). Combined with base points this can deliver strong effective returns on train fares.
1
Base Rate on Other Spends: Earn 1 Reward Point for every ₹100 spent on most other eligible retail categories (including eligible UPI spends on the RuPay variant). Exclusions typically include fuel, wallet loads, rent, government payments, education and EMI interest.
₹
Redemption Value: Best value is against train ticket bookings or IRCTC vouchers via SmartBuy / NetBanking at 1 Reward Point = ₹1. Points are valid for 2 years from the date of issuance. Redemption against train tickets is limited to a maximum of 70% of the fare in some cases.
🎁
Welcome Benefit: Gift voucher worth ₹500 on completing the first transaction within 37 days of card issuance (or as per current welcome offer terms).
📅
Quarterly Milestone: Spend ₹30,000 in a calendar quarter and receive a gift voucher worth ₹500.

5. Travel Benefits

•
IRCTC Executive Lounge Access: 8 complimentary visits per year to select IRCTC Executive Lounges at participating railway stations (maximum 2 visits per quarter). Present your valid card and train ticket at the lounge entrance. A nominal ₹2 is charged to validate the card. Access includes seating, buffet meal, tea/coffee, Wi-Fi and charging points.
•
Airport Lounge Access: No complimentary domestic or international airport lounge access is offered on this card.
•
1% Transaction Charge Waiver: 1% of the transaction charges on IRCTC website and Rail Connect app bookings is waived (maximum ₹1,000 per statement cycle). This is a direct saving on every eligible train ticket booking.
•
Forex Markup: 3.5% + GST on international transactions – standard for this category and not optimised for foreign travel.

6. Other Lifestyle & Special Perks

•
Fuel Benefit: 1% fuel surcharge waiver at all fuel stations across India on transactions between ₹400 and ₹5,000, with a maximum waiver of ₹250 per statement cycle.
•
Interest-Free Period: Up to 50 days from the date of purchase (subject to merchant settlement and full payment by the due date).
•
UPI Support: Being a RuPay card, eligible UPI transactions can earn the base 1 Reward Point per ₹100 (subject to exclusions and caps).
•
Zero Liability Protection: Report loss or theft immediately to the 24-hour HDFC helpline and you have zero liability on fraudulent transactions made after reporting.

7. Eligibility Criteria

•
Salaried Applicants: Indian national, age 21–60 years, net monthly income typically above ₹12,000 (some sources list higher thresholds – verify current requirement).
•
Self-Employed Applicants: Indian national, age 21–65 years, annual ITR greater than ₹6 lakh.
•
Credit Score: A good to excellent CIBIL score improves approval chances. Final decision rests with HDFC Bank.
•
Nationality: Only Indian nationals / residents are eligible as per published criteria.

8. Drawbacks & Cons

•
Caps on Accelerated Rewards: The high 5X points on IRCTC bookings are capped at 1,000 points per month (and 12,000 annually), so very frequent bookers will hit the limit.
•
Weak Base Rate: Only 1 Reward Point per ₹100 on non-IRCTC spends makes the card less attractive for everyday shopping compared with dedicated cashback cards.
•
Limited Lounge Network: Railway lounge access is available only at select stations and is limited to 2 visits per quarter.
•
No Airport Lounges: There is no complimentary airport lounge access.
•
Exclusions: Fuel, rent, wallet loads, government payments and education spends usually earn zero points.

9. Similar & Alternative Cards

•
IRCTC SBI Card: Often offers higher points on train bookings (up to 10X in some variants) but may have different lounge and fee structures. Compare if your monthly train spend is very high. [LINK: Best IRCTC Credit Cards in India]
•
IRCTC RBL Bank Credit Card: Another popular co-branded option with its own reward and lounge programme. Good alternative for multi-mode travellers. [LINK: IRCTC RBL Credit Card Review]
•
HDFC Millennia Credit Card: Better if your spends are more on online shopping and lifestyle brands rather than pure train tickets. [LINK: HDFC Millennia Credit Card Review]

10. Official Website & Essential Links

🔗
Official Bank Link: Apply / View Official Page
🔗
Terms & Conditions: Always download the latest Most Important Terms and Conditions (MITC) and IRCTC-specific reward/lounge T&Cs from the official HDFC Bank website before applying.

11. How to Apply

Online Steps:

  1. Visit the official HDFC Bank IRCTC Credit Card page or open the HDFC Bank mobile app / NetBanking.
  2. Click on “Apply Now” and enter your mobile number along with basic personal details.
  3. Provide employment type, income details and complete any required document upload or video KYC.
  4. Review the application summary, accept the terms and submit.
  5. Track status via SMS or the app. On approval, activate the card, set your PIN and start booking tickets on IRCTC.

Documents Required:

•
Identity Proof: PAN Card (mandatory) + Aadhaar / Passport / Voter ID / Driving Licence
•
Address Proof: Aadhaar, utility bill, passport or rental agreement
•
Income Proof: Latest salary slips or Form 16 (salaried) / ITR and bank statements (self-employed)

12. Safety & Fraud Prevention Tips

🔒
OTP & CVV Security: Banks or officials never ask for OTP, CVV, or passwords over the phone or email. Never share these details.
🔒
Safe Links: Always apply only through the official HDFC Bank website or verified mobile app. Avoid third-party links promising instant approval.
🔒
Card Controls: Use NetBanking or the mobile app to set transaction limits, disable international usage or temporarily lock the card if needed.
🔒
Report Immediately: In case of loss or suspicious activity, hotlist the card via the 24-hour HDFC helpline for zero liability protection.

13. Should You Get This Card? (Final Verdict)

Pros Summary: The IRCTC HDFC Bank Credit Card is ideal for people who book train tickets frequently on the IRCTC platform and value railway lounge access. The combination of 5X points (redeemable at 1:1 for tickets), extra SmartBuy cashback, 1% transaction charge waiver and 8 lounge visits per year delivers clear savings for regular train travellers.

Final Conclusion: If train travel is a major part of your annual spending, the IRCTC HDFC Bank Credit Card is one of the strongest co-branded options available in 2026. If your spends are more diversified across shopping, dining or flights, a general cashback or travel card may serve you better. Always verify the latest caps, lounge list and fee-waiver conditions on the official website before applying.

14. Frequently Asked Questions (FAQs)

Q: Can the IRCTC HDFC Bank Credit Card be obtained as Lifetime Free?

A: The standard joining and annual fee is ₹500 + GST. The annual fee is waived on spending ₹1,50,000 or more in the anniversary year. Some promotional periods have offered lifetime-free versions – check the current offer on the official page.

Q: What is the reward rate on IRCTC HDFC Bank Credit Card?

A: You earn 5 Reward Points for every ₹100 spent on IRCTC website or Rail Connect app bookings (capped), 1 Reward Point for every ₹100 on other eligible spends, and an additional 5% cashback when booking the same tickets via HDFC SmartBuy.

Q: How to redeem Reward Points for train tickets?

A: Redeem points via HDFC Bank SmartBuy or NetBanking against train ticket bookings or IRCTC vouchers at the rate of 1 Reward Point = ₹1. Redemption is usually limited to a maximum of 70% of the ticket fare.

Q: How many railway lounge visits do I get?

A: You get 8 complimentary IRCTC Executive Lounge visits per year at select stations, with a maximum of 2 visits per quarter. Present your card and valid train ticket at the lounge. A ₹2 validation charge applies.

Q: What is the minimum income required for IRCTC HDFC Bank Credit Card?

A: Salaried applicants typically need net monthly income above ₹12,000. Self-employed applicants need annual ITR above ₹6 lakh. Age limits are 21–60 years (salaried) and 21–65 years (self-employed).

Q: Is there a 1% transaction charge waiver on IRCTC bookings?

A: Yes. 1% of the transaction charges on bookings made on the IRCTC website and Rail Connect app is waived, subject to a maximum of ₹1,000 per statement cycle.

Q: Can I earn rewards on UPI transactions?

A: Yes. On the RuPay variant, eligible UPI spends earn the base rate of 1 Reward Point per ₹100 (subject to exclusions and any applicable caps).

Q: Are Reward Points capped on IRCTC spends?

A: Yes. The 5X Reward Points on IRCTC bookings are capped at a maximum of 1,000 points per month and 12,000 points per year.

15. Expert Help & Next Steps

Still Confused? Not sure if the IRCTC HDFC Bank Credit Card matches your train travel frequency?

₹49 Expert Consultation: Get personalised advice from our credit card experts and apply safely without falling for online fraud.

Book ₹49 Expert Consultation Apply Now Officially →

16. Disclaimer

Financial Disclaimer: The information provided in this article is strictly for educational and informational purposes. Credit card fees, interest rates, reward points rates, lounge access rules, transaction charge waivers and terms & conditions (T&C) are subject to change by HDFC Bank and IRCTC at any time. Always check the official website of HDFC Bank and the latest Most Important Terms and Conditions (MITC) thoroughly before applying for any card. We are not responsible for any financial losses or approved/rejected applications. Data compiled from official sources as of the latest available information in 2026.

Disclaimer & affiliate disclosure: This review is for informational purposes only. Credit card features, fees and offers can change. Always verify details on the official bank website and MITC before applying. Credit Card Path may earn a commission if you apply through links on this page at no extra cost to you. This does not change the price you pay. We are not a bank or RBI-regulated lender.

HDFC Bank Regalia Gold Credit Card Review

Published: September 27, 2026 By Credit Card Path Editorial
Airport Lounge Access Cards HDFC Bank Cards Travel & Air Miles Cards
HDFC Bank Regalia Gold Credit Card official image showing premium gold design and lifestyle benefits

Looking for a mid-premium lifestyle and travel card with solid lounge access, milestone vouchers and good redemption value? The HDFC Bank Regalia Gold Credit Card sits between the regular Regalia and the ultra-premium Infinia. This complete 2026 review covers the updated reward structure (5 Reward Points per ₹200), domestic lounge rules linked to quarterly spend, international Priority Pass visits, annual flight vouchers, fees, eligibility and whether the card still delivers value after the recent changes.

1. Brief Introduction (Card Overview)

•
Card Name: HDFC Bank Regalia Gold Credit Card
•
Issuer Bank: HDFC Bank
•
Card Network: Visa / Mastercard
•
Card Type: Premium Lifestyle & Travel Rewards Card
•
Ideal User for this Card: High-income professionals who spend regularly on lifestyle brands, travel via SmartBuy, value lounge access and can comfortably reach the ₹4 lakh annual spend for fee waiver

2. Key Takeaways

  • Best for: Users who want domestic + international lounge access with milestone flight vouchers and lifestyle brand rewards
  • Top Benefit: 3 domestic lounge visits per quarter (on ₹60k preceding-quarter spend) + 6 international Priority Pass visits + ₹5,000 flight vouchers at higher milestones
  • Annual Fee: ₹2,500 + GST (waived on ₹4 lakh annual spend)
  • Standout Feature: Boarding Edge programme + strong Gold Catalogue redemption value (1 RP = ₹0.65)
  • Verdict: Solid mid-premium option if you hit the spend thresholds; less attractive if your annual spend stays below ₹4 lakh

3. Fees & Charges

Fee TypeDetails
Joining Fee₹2,500 + GST
Annual / Renewal Fee₹2,500 + GST (waived if you spend ₹4,00,000 or more in the card anniversary year)
Forex Markup Fee2% + GST on foreign currency transactions (lower than many mid-tier cards)
Finance Charges (Interest)Approximately 3.75% per month (around 45% per annum) on revolving credit
Reward Redemption Fee₹99 + GST per redemption request in some cases (check current SmartBuy terms)
Dynamic Currency Conversion1.75% markup on eligible INR transactions at international locations or foreign-registered merchants (effective May 2026)

According to the official website, the fee waiver at ₹4 lakh annual spend is realistic for most active Regalia Gold users and effectively makes the card free for high spenders.

4. Cashback, Rewards & Discounts

5
Base Reward Rate: Earn 5 Reward Points for every ₹200 spent on eligible retail categories (including insurance, utilities and education in many cases). Effective from mid-May 2026. This works out to roughly 1.25% base value depending on redemption.
5X
Accelerated 5X Rewards: Earn significantly higher points (effectively 5X) on spends at Myntra, Nykaa, Marks & Spencer and Reliance Digital. Capped (typically 5,000 points per calendar month across these brands). Direct payments only; wallet loads usually excluded.
✈️
SmartBuy Accelerators: Higher multipliers (up to 5X–10X in some periods) available on flights, hotels and selected vouchers booked via the HDFC SmartBuy portal. Subject to monthly caps.
₹
Redemption Value: Best value is the Exclusive Gold Catalogue at 1 Reward Point = ₹0.65. SmartBuy flights and hotels give approximately ₹0.50 per point. Airmiles conversion up to 0.5 mile per point. Statement credit and regular catalogue give lower value.
🎁
Quarterly Milestone: Spend ₹1.5 lakh in a calendar quarter and receive ₹1,500 worth of vouchers (options typically include Myntra, Nykaa, Marks & Spencer, Reliance Digital or Marriott-related).
✈️
Annual Flight Vouchers: ₹5,000 SmartBuy flight voucher on reaching ₹5 lakh annual spend and an additional ₹5,000 voucher on reaching ₹7.5 lakh annual spend.

5. Travel Benefits

•
Domestic Lounge Access: 3 complimentary visits per calendar quarter at participating Indian airport lounges, provided you spent ₹60,000 or more in the preceding calendar quarter. Track eligibility on the SmartBuy portal. Effective from the quarter starting July 2026.
•
International Lounge Access: Up to 6 complimentary visits per calendar year outside India via Priority Pass (primary + add-on member share the quota). Apply for Priority Pass after completing a minimum of 4 retail transactions. Excess visits charged at approximately US $27 + GST.
•
Boarding Edge Programme: Upload an eligible airline boarding pass on the Regalia Gold SmartBuy portal and choose any 2 curated benefits every calendar quarter (spa access, local airport transfers via Uber, dining experiences or room upgrades at participating hotels).
•
Forex Markup: Competitive 2% + GST on foreign currency spends – better than many mid-tier cards that charge 3.5%.

6. Other Lifestyle & Special Perks

•
Welcome Benefit: Complimentary Swiggy One membership and MakeMyTrip Black Gold membership on achieving net retail spends of ₹1 lakh within the first 90 days of card issuance. Claim via the SmartBuy benefits portal.
•
24/7 Concierge: Dedicated concierge service for travel, dining and lifestyle requests (toll-free number and email available on the official page).
•
Interest-Free Period: Up to 50 days from the date of purchase (subject to merchant settlement and full payment by due date).
•
Fuel & Other Benefits: Standard fuel surcharge waiver may apply on eligible transactions (check current MITC). No golf or extensive insurance benefits are headlined compared with higher-tier cards.

7. Eligibility Criteria

•
Salaried Applicants: Indian national, age 21–60 years. Net monthly income typically above ₹1,00,000 (government employees) or ₹1,50,000 (non-government) as per recent official pages. Higher income profiles improve approval chances.
•
Self-Employed Applicants: Indian national, age 21–65 years, annual ITR greater than ₹18 lakh.
•
Credit Score: Excellent CIBIL score (generally 750+) is preferred for this premium variant.
•
Nationality: Only Indian nationals / residents are eligible as per published criteria.

8. Drawbacks & Cons

•
Spend-Linked Domestic Lounge: You must spend ₹60,000 in the previous quarter to unlock the next quarter’s 3 domestic lounge visits. Low-spend users may lose this benefit.
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Base Rate Reduced: The shift to 5 points per ₹200 (from the earlier 4 per ₹150) slightly lowered the effective base earning rate.
•
High Annual Fee Without Waiver: ₹2,500 + GST is significant if you cannot reach the ₹4 lakh annual spend threshold.
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Caps on Accelerated Categories: 5X rewards on lifestyle brands and SmartBuy multipliers come with monthly or category caps.
•
Exclusions: Fuel, rent, certain wallet loads and government transactions typically earn reduced or zero points.

9. Similar & Alternative Cards

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HDFC Regalia Credit Card: Lower fee and similar lounge structure but slightly weaker milestone and redemption value. Good if your spend is moderate. [LINK: HDFC Regalia Credit Card Review]
•
Axis Magnus / Ace or similar premium cards: Stronger travel multipliers or different lounge programmes. Compare if you prioritise international travel. [LINK: Best Premium Credit Cards in India]
•
HDFC Infinia Credit Card: Higher-tier option with unlimited lounge access and better point value, but significantly higher fee and income requirement. [LINK: HDFC Infinia Credit Card Review]

10. Official Website & Essential Links

🔗
Official Bank Link: Apply / View Official Page
🔗
Terms & Conditions: Always download the latest Most Important Terms and Conditions (MITC) and Regalia Gold-specific reward/lounge T&Cs from the official HDFC Bank website before applying.

11. How to Apply

Online Steps:

  1. Visit the official HDFC Bank Regalia Gold Credit Card page or log in to NetBanking / the HDFC Bank mobile app.
  2. Click on “Apply Now” and enter your mobile number along with basic personal and employment details.
  3. Provide income information and upload the required documents or complete video KYC if prompted.
  4. Review the application summary, accept the terms and submit.
  5. Track application status via SMS or the app. On approval, activate the card, set your PIN and complete any Priority Pass registration steps.

Documents Required:

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Identity Proof: PAN Card (mandatory) + Aadhaar / Passport / Voter ID / Driving Licence
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Address Proof: Aadhaar, utility bill, passport or rental agreement
•
Income Proof: Latest salary slips / Form 16 (salaried) or ITR and bank statements (self-employed). Higher documented income improves approval odds.

12. Safety & Fraud Prevention Tips

🔒
OTP & CVV Security: Banks or officials never ask for OTP, CVV, or passwords over the phone or email. Never share these details.
🔒
Safe Links: Always apply only through the official HDFC Bank website or verified mobile app. Avoid third-party links promising guaranteed approval.
🔒
Card Controls: Use NetBanking or the mobile app to set transaction limits, disable international usage or temporarily lock the card if needed.
🔒
Report Immediately: In case of loss or suspicious activity, hotlist the card via the 24-hour HDFC helpline for zero liability protection.

13. Should You Get This Card? (Final Verdict)

Pros Summary: The HDFC Bank Regalia Gold Credit Card is best for high-income users who travel frequently within India, value international Priority Pass access, spend on lifestyle brands such as Myntra and Nykaa, and can comfortably cross ₹4 lakh annual spend for the fee waiver. The combination of quarterly vouchers, flight milestones and Boarding Edge benefits adds meaningful lifestyle value.

Final Conclusion: If your spending pattern supports the lounge threshold and annual fee waiver, the HDFC Bank Regalia Gold Credit Card remains a strong mid-premium choice in 2026. If your annual spend is significantly lower or you need unlimited lounge access, consider the regular Regalia or a higher-tier card such as Infinia. Always verify the latest lounge rules, reward rates and milestone conditions on the official website before applying.

14. Frequently Asked Questions (FAQs)

Q: Can the HDFC Bank Regalia Gold Credit Card be obtained as Lifetime Free?

A: No. The standard joining and annual fee is ₹2,500 + GST. The annual fee is waived only if you spend ₹4,00,000 or more in the card anniversary year. There is no lifetime-free version of this card.

Q: What is the reward rate on HDFC Bank Regalia Gold Credit Card?

A: You earn 5 Reward Points for every ₹200 spent on eligible retail categories (base rate effective mid-May 2026). Accelerated 5X rewards apply on Myntra, Nykaa, Marks & Spencer and Reliance Digital (subject to monthly caps). Higher multipliers are available on SmartBuy travel bookings.

Q: How does domestic lounge access work on Regalia Gold?

A: From the calendar quarter starting July 2026, you get 3 complimentary domestic lounge visits per quarter only if you spent ₹60,000 or more in the preceding calendar quarter. Eligibility is tracked on the SmartBuy portal and access is via card swipe at participating lounges.

Q: How many international lounge visits do I get?

A: Up to 6 complimentary international lounge visits per calendar year via Priority Pass (shared between primary and add-on members). Excess visits are charged approximately US $27 + GST each.

Q: What is the minimum income required for HDFC Bank Regalia Gold Credit Card?

A: Salaried applicants typically need net monthly income of ₹1 lakh (government) to ₹1.5 lakh (non-government). Self-employed applicants need annual ITR above ₹18 lakh. Final approval depends on overall profile and credit score.

Q: Can I get the annual fee waived easily?

A: Yes. Spend ₹4,00,000 or more in the 12-month card anniversary period and the next year’s annual fee is waived. This is achievable for most users who actively use the card for lifestyle and travel spends.

Q: What is the best way to redeem Reward Points?

A: The highest value is usually the Exclusive Gold Catalogue at 1 RP = ₹0.65. SmartBuy flights and hotels give about ₹0.50 per point. Avoid low-value statement credit or regular catalogue redemptions when possible.

Q: What is the Boarding Edge programme?

A: Upload an eligible airline boarding pass on the Regalia Gold SmartBuy portal and choose any two benefits every calendar quarter from options such as spa access, airport transfers, dining experiences or hotel room upgrades at participating partners.

15. Expert Help & Next Steps

Still Confused? Not sure if the HDFC Bank Regalia Gold Credit Card matches your travel frequency and annual spend level?

₹49 Expert Consultation: Get personalised advice from our credit card experts and apply safely without falling for online fraud.

Book ₹49 Expert Consultation Apply Now Officially →

16. Disclaimer

Financial Disclaimer: The information provided in this article is strictly for educational and informational purposes. Credit card fees, interest rates, reward points rates, lounge access rules, milestone benefits and terms & conditions (T&C) are subject to change by HDFC Bank at any time. Always check the official website of HDFC Bank and the latest Most Important Terms and Conditions (MITC) thoroughly before applying for any card. We are not responsible for any financial losses or approved/rejected applications. Data compiled from official sources as of the latest available information in 2026.

Disclaimer & affiliate disclosure: This review is for informational purposes only. Credit card features, fees and offers can change. Always verify details on the official bank website and MITC before applying. Credit Card Path may earn a commission if you apply through links on this page at no extra cost to you. This does not change the price you pay. We are not a bank or RBI-regulated lender.

IDFC FIRST Bank Ashva Credit Card Review: Complete Information, Fees, Benefits, and Drawbacks

Published: September 23, 2026 By Credit Card Path Editorial
Airport Lounge Access Cards IDFC FIRST Bank Cards Premium & Metal Cards Travel & Air Miles Cards Zero Forex Markup Cards
IDFC FIRST Bank Ashva Credit Card Review: Complete Information, Fees, Benefits, and Drawbacks Estimated reading time: 10–12 minutes IDFC FIRST Bank Ashva Credit Card – Official Image

1. Brief Introduction (Card Overview)

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Card Name: IDFC FIRST Ashva Credit Card (Metal)
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Issuer Bank: IDFC FIRST Bank
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Card Network: Visa (Premium Metal)
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Card Type: Premium Metal Lifestyle & Travel Rewards Card
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Ideal User for this Card: Mid-to-high income travellers and lifestyle spenders who want a metal card experience at a more accessible fee than higher-tier metal cards. Ideal if you travel frequently, value lounge access, low/zero forex, and accelerated rewards on hotel and flight bookings made via the IDFC FIRST Bank app.

Key Takeaways

  • Best for: Travellers seeking metal card prestige with solid lounge and travel rewards at moderate fees
  • Top Benefit: Up to 40X reward points on travel (hotels/flights via bank app) with 1 RP = ₹0.40 on travel redemptions
  • Annual Fee: ₹2,999 + GST (joining fee also ₹2,999 + GST; benefits available on high annual spends)
  • Standout Feature: Zero/low forex markup + complimentary domestic, international and railway lounge access
  • Verdict: Excellent entry into the metal-card segment for frequent travellers who book via the bank app

2. Fees & Charges

Fee TypeDetails
Joining Fee₹2,999 + GST
Annual / Renewal Fee₹2,999 + GST (from second year onwards; additional reward points available on high annual spends)
Forex Markup Fee0% (or low 1% in some references; current policy emphasises zero/low markup on international transactions)
Finance Charges (Interest)Approximately 0.71% to 3.99% per month (8.5% to 47.88% per annum)
Reward Redemption Fee₹99 + GST (applicable in certain redemption scenarios)

3. Cashback, Rewards & Discounts

💰
Base Rewards: 5X reward points (5 RP per ₹150) on spends up to ₹20,000 in a statement cycle; 10X (10 RP per ₹150) on incremental spends above ₹20,000 and on birthday spends.
✈️
Travel via Bank App: High bonus multipliers – up to 30X–50X total on hotel bookings and 15X–30X on flight bookings made through the FIRST Rewards Gallery / Travel & Shop section on the IDFC FIRST Bank app.
🎯
Other Categories: 3X on rent, wallet load, education and government spends; 1X on utilities, insurance, FASTag and railways.
🔄
Redemption Value: 1 Reward Point = ₹0.40 when redeemed for hotel & flight bookings via the bank app; 1 RP = ₹0.25 for other redemptions.
🎁
Welcome Benefit: Up to 7,500 reward points (once in a lifetime) – typically 2,500 RP on joining fee payment + 2,500 RP each on net spends of ₹20,000 or more in the 2nd and 3rd statement cycles. Some offers also include cashback on early spends.
🏆
Annual Fee Benefits: Additional reward points (e.g., 7,500 RP worth up to ₹3,000) for high annual spends (typically ₹8 lakh in the previous anniversary year).

4. Travel Benefits

🛋️
Airport Lounge Access: Up to 4 complimentary domestic lounge/spa visits per quarter and 2 international lounge visits per quarter (16 domestic + 8 international per year). Often requires minimum spends (e.g., ₹20,000) in the previous calendar month to unlock.
🚂
Railway Lounge Access: Up to 4 complimentary railway lounge visits per quarter.
🌍
Forex Markup: Zero or low (around 1%) – significantly better than the typical 3.5% charged by many cards.
🛡️
Trip Cancellation Cover: Free cover up to ₹25,000 for up to 2 claims per year on non-refundable hotel and flight bookings.
⛳
Golf Benefits: Up to 2 complimentary golf rounds or lessons per month (linked to previous-month spends of ₹20,000 / ₹40,000).

5. Other Lifestyle & Special Perks

🎬
Movie Offer: Buy 1 Get 1 free on movie tickets (up to ₹400), typically twice a month, subject to previous-month spend criteria (often ₹20,000).
🚗
Roadside Assistance: Complimentary 24/7 roadside assistance worth ₹1,399.
⛽
Fuel Surcharge Waiver: 1% fuel surcharge waiver on eligible transactions (typically ₹200–₹5,000, capped around ₹300 per cycle).
🛡️
Insurance Covers: Purchase protection, travel insurance, personal accident cover, credit shield and other standard premium protections.
🏨
Hotel Offers: Occasional discounts (e.g., at The Postcard hotels) and exclusive benefits via partner programmes.

6. Eligibility Criteria

👤
Age: Typically 21 to 65 years (confirm exact range during application)
🇮🇳
Residency: Indian resident with valid permanent and current address
💰
Income: Mid-to-high income required (generally lower threshold than Mayura; exact figure confirmed during application)
📊
Credit Score: Good to strong CIBIL score recommended for better approval chances
📄
Employment: Salaried or self-employed professionals meeting the bank’s income and credit criteria

7. Drawbacks & Cons

⚠️
Fixed Annual Fee: ₹2,999 + GST with no simple spend-based full waiver – you need consistent usage to justify the cost.
⚠️
Lounge Spend Condition: Complimentary lounge visits usually require minimum spends (e.g., ₹20,000) in the previous month.
⚠️
Lower Base Value Outside Travel: Regular redemptions are valued at ₹0.25 per point; maximum value (₹0.40) is unlocked only on travel bookings via the bank app.
⚠️
Redemption Fee: A small fee (₹99 + GST) may apply on certain redemptions.
⚠️
International Lounge Quota: Only 2 international lounge visits per quarter (vs higher on some premium cards).

8. Similar & Alternative Cards

🔄
IDFC Mayura Credit Card: Higher-fee metal sibling (₹5,999) with stronger reward multipliers and more international lounge visits. Choose Ashva for better value at lower cost; Mayura for higher-end rewards.
🔄
HDFC Regalia / Diners Club Privilege or Axis Ace: Competitive travel and lounge benefits. Compare if you prefer different reward ecosystems or lower entry barriers.
🔄
SBI Card Elite or ICICI Emeralde: Strong lifestyle and travel perks. Evaluate based on your existing banking relationship and preferred redemption options.

9. Official Website & Essential Links

🔗
Official Bank Link: Apply / View Official Page
🔗

10. How to Apply

Online Steps:

  1. Visit the official IDFC FIRST Bank Ashva Credit Card page or the metal cards section on the bank website/app.
  2. Enter your personal details (name as per Aadhaar, mobile number, PAN) and complete OTP verification.
  3. Provide income, employment and address details for eligibility assessment.
  4. Complete Video KYC and upload the required documents as guided by the bank.
  5. On approval, pay the joining fee of ₹2,999 + GST (upfront payment is usually required for metal card dispatch). Digital card may be available immediately in the app.

Documents Required:

📄
Identity & Address: PAN Card, Aadhaar and address proof.
📄
Income Proof: Latest salary slips / Form 16 (salaried) or ITR / business proof (self-employed).
📄
Other: Bank statements (typically last 3–6 months) and any additional documents requested during the application.

11. Safety & Fraud Prevention Tips

🔒
OTP & CVV Security: Banks or officials never ask for OTP, CVV or passwords over the phone or email. Never share these details.
🔒
Safe Links: Always apply only through the official IDFC FIRST Bank website or verified mobile app.
🔒
Monitor Transactions: Enable real-time alerts and regularly review statements. Report any unauthorised activity immediately.
🔒
Metal Card Care: Treat the physical metal card carefully and report loss or theft promptly to activate liability protection.

12. Should You Get This Card? (Final Verdict)

Pros Summary: Great for travellers who want a genuine metal card experience without the higher fees of top-tier metal cards. Strong combination of lounge access (domestic + international + railway), low/zero forex, accelerated rewards on travel bookings via the bank app, and useful lifestyle perks such as movies and golf.

Final Conclusion: Yes — if you travel regularly, can meet the lounge spend conditions, and plan to book hotels and flights through the IDFC FIRST Bank app to maximise the higher redemption value. The ₹2,999 + GST annual fee is reasonable for the benefits offered, provided you use the card consistently. Always check the latest lounge conditions, reward multipliers and fee benefits on the official website before applying.

13. Frequently Asked Questions (FAQs)

Q: Can this card be obtained as Lifetime Free?

A: No. The Ashva Credit Card has a joining fee of ₹2,999 + GST and an annual fee of ₹2,999 + GST with no standard lifetime-free option.

Q: What is the forex markup on the Ashva card?

A: Currently zero or very low (around 1% in some references). It is significantly better than the typical 3.5% charged by many cards.

Q: How many lounge visits do I get?

A: Up to 4 domestic lounge/spa visits and 2 international lounge visits per quarter (plus railway lounge access). Access is often subject to a minimum spend in the previous month.

Q: What is the value of one reward point?

A: 1 Reward Point = ₹0.40 when redeemed for hotel and flight bookings via the IDFC FIRST Bank app; ₹0.25 for other redemptions.

Q: Is there a welcome benefit?

A: Yes. Eligible new cardholders can earn up to 7,500 reward points (once in a lifetime) through joining fee payment and spends of ₹20,000+ in the second and third statement cycles. Some offers also include early-spend cashback.

Q: Does the card offer movie benefits?

A: Yes. Buy 1 Get 1 free on movie tickets (up to ₹400), typically available twice a month subject to previous-month spend criteria.

Q: Is the card a metal card?

A: Yes. The Ashva is a premium metal credit card.

Q: How do I maximise rewards?

A: Spend above ₹20,000 per cycle for 10X points, book hotels and flights via the IDFC FIRST Bank app for the highest multipliers, and redeem points for travel to unlock the ₹0.40 per point value.

Q: Is there an annual fee waiver?

A: There is no standard spend-based full waiver. High annual spends may unlock additional reward points as a benefit on fee payment.

Q: Who should avoid this card?

A: Low spenders, those who rarely travel, or anyone seeking a completely free card should consider simpler lifetime-free options instead.

14. Expert Help & Next Steps

Still Confused? Not sure if this credit card is the right choice for your spending habits?

₹49 Expert Consultation: Get personalised advice from our credit card experts and apply safely without falling for online fraud.

Book ₹49 Expert Consultation Apply Now Officially →

15. Disclaimer

Financial Disclaimer: The information provided in this article is strictly for educational and informational purposes. Credit card fees, interest rates, and terms & conditions (T&C) are subject to change by respective banks over time. Always check the official website of the relevant bank to review all rules thoroughly before applying for any card. We are not responsible for any financial losses or approved/rejected applications.

Disclaimer & affiliate disclosure: This review is for informational purposes only. Credit card features, fees and offers can change. Always verify details on the official bank website and MITC before applying. Credit Card Path may earn a commission if you apply through links on this page at no extra cost to you. This does not change the price you pay. We are not a bank or RBI-regulated lender.