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

Brief Summary

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4.0 / 5

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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 – 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, hence is suitable only for those who fly very frequently on Indigo.

Pros & Cons

Benefits of using the card

  • 3% reward rate on Indigo spends
  • Higher reward rate of 2% on grocery purchases, dining expenditure and entertainment spends
  • Good welcome offer worth over ₹1500
  • Complimentary airport lounge access in India (2 per quarter)

Limitations and drawbacks to consider

  • No renewal offer, so this card is beneficial only if you fly frequently on Indigo

Comparing with Competitor Fuel Credit Cards

Features
HDFC Indian Oil Credit Card
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Axis Bank Indian Oil Credit Card
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Rewards Rate 0.2% – 4.8%

0.20% – 4%

Other benefits Fuel Surcharge Waiver Fuel Surcharge Waiver
Annual Fee ₹500

₹500

Annual Fee Offers Zero renewal fees – if minimum spending in the previous year is ₹50,000 Zero renewal fees – if minimum spending in the previous year is ₹50,000
Minimum Income Over ₹10,000 monthly for salaried individuals and over ₹6 Lakhs per annum for self-employed individuals.

Not Specified

Features & Benefits of Kotak IndiGo 6E Rewards Credit Card

3% benefit on Indigo spends

You earn 3 reward points (called 6E reward points) worth ₹3, on every ₹100 you spend at Indigo.

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.

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

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

2% benefit on entertainment, dining & grocery spends

You earn 2 reward points (6E reward points) worth ₹2, 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.

1% benefits on all other card spends 

You earn 1 reward point (6E reward point) worth ₹1, on every ₹100 spend you spend on all other spends.

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 rent, wallet, education and government spends

Complimentary domestic airport lounge access – 2 per quarter

You get free visits to airport lounges in India, 8 times per year (maximum 2 times per quarter).

Please click here to view the list of lounges.

Kotak customer care number

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.

Important Card Fees and Charges

Annual fee & annual fee offers

Annual feeAnnual fee offers
1st year joining fee₹700Welcome offers
– You get a welcome ticket voucher worth ₹1500, on doing a minimum of 3 card transactions each month, for the first 3 months.
– You also get a ‘6E Prime-Add-on’ worth ₹899, which gives you various benefits including a priority check-in, complimentary meal, seat selection and assistance.
Renewal fee from 2nd year onwards₹700

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.

Interest Charges on outstanding Balances
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 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 age Primary 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

Application Process & Tracking Application Status

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)
Apply Now

on Kotak Bank website

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