By: OurMoneyGuide || Last updated on: June 5, 2024

Kotak IndiGo 6E Rewards XL Credit Card is a co-branded credit card, a partnership between Kotak Mahindra Bank and Indigo Airlines. This travel card provides special incentives when you fly on Indigo. The card also provides other lifestyle benefits like complimentary lounge access.

Brief Summary

Our Rating

4.0 / 5

Kotak IndiGo 6E Rewards XL Credit Card provides attractive rewards (6%) when you fly on Indigo. You also get other travel benefits such as complimentary lounge access – 2 times per quarter, reduced convenience fee on Indigo etc.

You get attractive welcome offers which compensate for joining fee. However the card has no renewal offers, hence is suitable only for those who fly frequently on Indigo.

Pros & Cons of Kotak IndiGo 6E Rewards XL Credit Card

Pros

  • Attractive reward of 6% on Indigo spends
  • Good reward of 3% on grocery purchases, dining expenditure and entertainment spends
  • Good welcome offers worth over 4000
  • Complimentary airport lounge access in India (2 per quarter)

Cons

  • No renewal offer
  • Only suitable for frequent Indigo fliers, since earned rewards can only be redeemed at Indigo

Features & Benefits of the Kotak IndiGo 6E Rewards XL Credit Card

6% benefit on Indigo ticket purchases

You earn 6 reward points (called 6E reward points) worth ₹6, on every ₹100 you spend at Indigo.

One 6E reward point = ₹1. 6E reward points will be credited to your Indigo account. 6E reward points can be redeemed for booking Indigo tickets, or any 6E add-ons. 6E add ons include complimentary meal, seat selection, priority check-in and other assistance. 

Reward points are valid for 2 years from date of issuance.

This benefit is not valid on group, corporate, SME and agent bookings.

3% benefit on the following card spends – entertainment || dining || grocery

You earn 3 reward points (6E reward points) worth ₹3, on every ₹100 spend you spend on entertainment, dining & grocery. 

One 6E reward point = ₹1, and can be redeemed for booking Indigo tickets, or any 6E add-ons. 6E add ons include complimentary meal, seat selection, priority check-in and other assistance. 

2% benefits on all other spends

You earn 2 reward point (6E reward point) worth ₹2, on every ₹100 spend you spend on all other card purchases. 

One 6E reward point = ₹1, and can be redeemed for booking Indigo tickets, or any 6E add-ons.

Exception : No reward points are given on the following card spends – rent, wallet, education and government spends

Complimentary domestic airport lounge access – 2 per quarter

You get free visits to airport lounges in India, 2 times per quarter. Please click here to view the list of lounges.

Kotak customer care 

Please click here to see all options on how to contact the bank. 

Kotak ‘Everyday Specials

You get exclusive everyday special offers. These offers can be found on the official Kotak website and includes discounts, cashback, rewards, and other benefits across various categories such as dining, shopping, travel, and more.

Kotak IndiGo 6E Rewards XL Credit Card Fees and Charges

Annual fee & annual fee offers


Annual feeAnnual fee offers
1st year joining fee₹2500
(₹1500 fee as a special introductory offer)
Welcome offers worth over ₹4000 :
– You get a welcome ticket voucher worth ₹3000 , on doing a minimum of 3 card transactions each month, for the first 3 months.

– You also get a ‘6E Prime-Add-on’ worth ₹1099. This gives you various benefits, including a priority check-in, complimentary meal, seat selection and assistance.
Renewal fee from 2nd year onwards₹2500Renewal fee offer : Nil

Late payment fee

Late payment fee is charged if you do not pay even the minimum amount due on your card bill, before the bill due date. And is based on total payment due.

Amount dueLate fee
Less than ₹500₹100
₹501 to ₹10,000₹500
₹10,001 and above₹700

Foreign currency mark-up fee

3.50% of the transaction amount – this fee is charged when you use your card outside India.

Finance charges

3.50% per month (42% per annum)

Important note

– GST/ other applicable taxes as per current laws, will be applicable on all fees and charges
– Please click here to view all/updated fees & charges on this card

Eligibility Criteria

Some basic criteria is given below, there maybe additional requirements based on your profile, this is at the sole discretion of Kotak Mahindra Bank.

Minimum agePrimary cardholders : 21 years
Add-on cardholders 18 years or above
Maximum age65 years
Residency Resident of India
Minimum incomeNot specified
Other criteriaRegular source of income, good credit score preferably above 750, etc.

Application Process

Step-by-step guide

Online application process
The easiest way is to click here – APPLY NOW , you shall be taken to the card application page on the Kotak Mahindra Bank website. You can also visit official website of the bank and fill out the application form.

Steps –
1. Fill in the required details in the online application form, including personal and employment details, contact information, and income details.
2. Submit the application form along with the necessary documents such as identity proof, address proof, income proof and age proof.
3. Once your application is received, Kotak Mahindra Bank will review your application and verify the information provided.
4. Upon successful verification, you will receive a confirmation, and your Credit Card will be dispatched to your registered mailing address.
Offline (face to face)  application processAlternatively, you can also apply for the card by visiting the nearest Kotak Mahindra Bank branch, and submitting your application along with the necessary documents. To find the branch nearest to you, please visit here.
Tracking card application statusYou can track your credit card application status by clicking here – Kotak Credit Card Application Status

Necessary documents

Common documents required to attain a credit card are as follows. Additional documents may be required on a case-to-case basis, this is at the sole discretion of Kotak Mahindra Bank.

Required documents 
For salaried employees :
– Identification proof : Aadhaar card, PAN card, driving license, voter ID card, passport (any one)
– Address proof : Utility bill, ration card, passport, driving license, voter ID card (any one)
– Income proof : Salary slips, Form 16, income tax returns (any one)
– Age proof : 10th standard school certificate, birth certificate, passport, voter ID card (any one)

For self-employed professionals :
– Identification proof : Aadhaar card, PAN card, driving license, voter ID card, passport (any one)
– Address proof : Utility bill, ration card, passport, driving license, voter ID card , last two months’ bank statement (any one)
– Income Proof : Income tax returns with computation of income, certified financial documents, proof of business continuity (any one)
– Age proof : 10th standard school certificate, birth certificate, passport, voter ID card (any one)

Conclusion

Kotak IndiGo 6E Rewards XL Credit Card is a good travel card for those who fly on Indigo frequently , since you get 6% benefit. Redemption process is straightforward since each Indigo reward point has a fixed value of ₹1. You also get other travel benefits such as complimentary lounge access – upto 2 times per quarter, reduced convenience fee on Indigo etc.

You get attractive welcome offers which compensate for joining fee. However the card has no renewal offers, and earned rewards can only be redeemed at Indigo, hence is suitable only for those who fly frequently on Indigo.