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Kotak IndiGo 6E Rewards XL 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.

on Kotak Bank website

Kotak IndiGo 6E Rewards XL Credit Card

Special Benefits

6% on Indigo spends

Other Benefits

Complimentary airport lounge access

Minimum Income

Not specified

Annual Fee

₹ 2500 (introductory offer of ₹1500)

Annual Fee Offers

Welcome offer worth over ₹4000

Kotak IndiGo 6E Rewards XL Credit Card : Summary Table

6% benefit on Indigo spendsYou earn 6 reward points (called 6E reward points) worth ₹6 , on every ₹100 you spend at Indigo. One 6E reward point = ₹1.
– Not valid on group, corporate, SME and agent bookings.
3% benefit on entertainment, dining & grocery spends 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.
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 spends. One 6E reward point = ₹1.

Exception – no reward points are given on wallet transactions.
Complimentary domestic airport lounge access – 2 per quarterYou get free visits to airport lounges in India – upto 2 per quarter.
– Please click here to view the list of lounges.
₹2500 annual fee
(₹1500 fee as a special introductory offer)
Annual fee offers –
Welcome offer :
– 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 ₹899. This gives you various benefits, including a priority check-in, complimentary meal, seat selection and assistance.

Renewal offer : Nil

Pros & Cons

Benefits of using the card

  • Attractive benefit rate of 6% on Indigo spends
  • Good benefit rate 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)

Limitations and drawbacks to consider

  • No renewal offer, so this card makes senses 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

Full Review of the Kotak IndiGo 6E Rewards XL Credit Card

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

6% benefit on Indigo ticket purchases

Earning rewards :
– You earn 6 reward points (called 6E Reward Points) worth ₹6 , on every ₹100 you spend at Indigo.
– One 6E reward point = ₹1.
– Reward points are not given on group, corporate, SME and agent bookings.

Redeeming reward points :
– 6E reward points can be redeemed by an Indigo member online, for any IndiGo flight ticket or any 6E add-ons. 6E add ons include complimentary meal, seat selection, priority check-in and other assistance.
– The member needs to log into his or her membership account, to redeem reward points
– Prior to any such rewards redemption, members should have completed the mobile number and email address verification process.

Other important information : 6E reward points are valid for 24 months.

3% benefit on entertainment, dining & grocery spends

Earning rewards :
– 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.

Redeeming reward points & other important information : same as described in the above section

2% benefits on all other spends

Earning rewards:
– You earn 2 reward point (6E reward points) worth ₹2 , on every ₹100 spend you spend on all other spends.
– One 6E reward point = ₹1. Exception – no reward points are given on wallet transactions.

Restrictions on basic benefit : No reward points are given on wallet transactions.

Redeeming reward points & other important information: same as described in the above section.

Complimentary domestic airport lounge access

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

Other Cardholder Benefits

Everyday SpecialsYou get exclusive everyday special offers. These offers can be found on the official Kotak website and may include discounts, cashback, rewards, and other benefits across various categories such as dining, shopping, travel, and more.
Free add-on cardThe Kotak IndiGo 6E Rewards XL Credit Card offers the option to get a free add-on card, which provides all the benefits and features enjoyed on the primary credit card.

– Benefits for add-on cardholder : The add-on cardholder can enjoy the same privileges and perks as the primary cardholder.
– Customizable spend limit : The primary cardholder can set the spending limit on the add-on card according to his/her preference and requirements.
– Separate spend tracking : Each add-on card will have separate spend tracking, allowing the primary cardholder to monitor expenses individually for each card.
24/7 customer supportKotak Mahindra Bank is always available to assist you, please click here for all the options to contact the bank.
Security featuresChip and PIN technology – security for offline transactions : In the past, credit cards typically used a magnetic stripe located on the back of the card to store and transact data. However, the latest generation of credit cards usually includes a CHIP and PIN feature, which provides enhanced security. Only you know your PIN, so even your card is lost it is unlikely to be misused since BOTH the physical card and the PIN is required to spend on the card

Two-factor authentication – security for online transactions : When making an online transaction, you usually approve your online transaction through a One-time Password (OTP) which you get on your mobile phone . Since only you know the OTP, the card is unlikely to be misused unless someone has access to BOTH your card details AND your mobile phone. This ensures a safe online purchase experience.

SMS alerts and notifications – for both offline and online transactions : For your peace of mind, you usually get free SMS alerts and notifications for all your credit card transactions. Hence you will know about all transactions on your card. In the unlikely scenario of your card being misused, you would still get these alerts and notifications – which will help you to immediately block your credit card.

Important 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 offer 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 ₹899. 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 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, etc.

Application Process & Tracking Your 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)

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

Apply Now

on Kotak Bank website

Frequently Asked Questions

How long are the 6E reward points valid?

The reward points earned through the card’s rewards program remain valid for 24 months from the date of issuance. However, specific campaign-based bonus reward points maybe valid for a lower period of time.

What are the benefits of the Kotak IndiGo Ka-ching 6E Rewards Credit Card for IndiGo travellers? 

The card offers 6% on all Indigo spends. It also other benefits such as complimentary airport lounge access, discounted convenience fees for IndiGo tickets, IndiGo vouchers as a welcome offer, 6E Prime add-on benefits (such as seat selection, priority check-in, baggage assistance, and complimentary meals).

How can I redeem the IndiGo vouchers earned with this card? 

The IndiGo vouchers earned with the Kotak IndiGo Ka-ching 6E Rewards Credit Card can be redeemed for bookings on the IndiGo website or mobile app. They can be used towards the base fare of your ticket in INR currency.

Is there an annual fee waiver for the Kotak IndiGo Ka-ching 6E Rewards Credit Card? 

No, this credit card has no annual fee waiver criteria.

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