Kotak IndiGo 6E Rewards Credit Card

Name: Kotak IndiGo 6E Rewards Credit Card
Brand: Kotak Bank
Price: 700 INR
Availability: InStock
Rating: 3.5 (1 reviews)

Overview

The Kotak IndiGo 6E Rewards Credit Card is a co-branded travel card built around India's largest domestic carrier. Its reward structure favors IndiGo flyers with 3% 6E Rewards on all bookings made through goindigo.in or the IndiGo app, while dining, entertainment, and grocery spend earns 2%. All other eligible purchases return 1%. The 6E Rewards you accumulate are valid for 24 months and can be redeemed directly for IndiGo flight base fares, keeping the redemption process simple and airline-focused.Welcome benefits deliver strong first-year value against the ₹700 joining fee. New cardholders receive a flight ticket voucher worth ₹1,500 and 6E Prime add-ons valued at ₹1,099, covering priority check-in, seat selection, and a complimentary meal on their next IndiGo flight. You can also earn a complimentary IndiGo air ticket by completing three transactions per month during the first three months after card issuance.Starting June 2025, several spending categories stopped earning rewards entirely. Utility bills, education payments, wallet loads, fuel, rent, government transactions, insurance premiums, and online gaming purchases no longer generate 6E Rewards. A 1% transaction fee also applies on rent and education payments, and on wallet and gaming spends above ₹10,000, utility bills above ₹50,000, and fuel above ₹35,000 per month. These restrictions narrow the card's effective earning potential considerably.Without airport lounge access and with no annual fee waiver at any spending level, this card works best for cardholders who book IndiGo flights at least a few times a year and can take full advantage of the welcome benefits. Casual spenders or those who fly other airlines will find better value elsewhere in the entry-level card segment.

Pros

↑Welcome benefits worth ₹2,599+ (₹1,500 ticket voucher and ₹1,099 6E Prime perks) against a ₹700 joining fee give strong first-year returns for IndiGo flyers
↑3% 6E Rewards on IndiGo bookings and 2% on dining, entertainment, and grocery spending outperform most entry-level cards in these high-frequency categories
↑6E Rewards can be redeemed directly for IndiGo flight base fares with 24-month validity, avoiding the complexity of multi-step point transfer programs

Cons

↓No annual fee waiver option at any spending level means you pay ₹700 every year, while many competing cards waive fees above ₹1 to ₹2 lakh annual spend
↓No airport lounge access of any kind is a noticeable gap for a travel-positioned card, especially when some ₹500 cards include 4 or more domestic visits
↓From June 2025, zero rewards on utility, education, wallet, fuel, rent, government, insurance, and gaming transactions severely limits earning potential for everyday spenders

Key Highlights

Welcome Offer
3% on IndiGo, 2% dining/grocery
3% 6E Rewards on IndiGo bookings
2% on dining, entertainment, grocery
1% on all other eligible spends
No rewards on rent, wallet, education, fuel, utility, govt, insurance, gaming from June 2025

Reward Rate
Welcome ticket worth ₹1,500
Flight ticket voucher of ₹1,500 on activation
6E Prime add-ons worth ₹1,099
Priority check-in, seat selection, complimentary meal
Complimentary air ticket on 3 transactions/month for first 3 months

Minimum Salary
21-65 years, Indian resident
Age: 21 to 65 years for primary holder
18 years or above for add-on holder
Must be a resident of India
Income proof and good credit score required

Joining Fee
₹700 + GST
Joining fee: ₹700 + GST
Fee applies on card issuance
Welcome benefits available after fee payment
Welcome benefits valid for 6 months from issuance

Annual Fee
₹700 + GST (no waiver)
Annual fee: ₹700 + GST from 2nd year
No waiver available at any spending level
Charged annually on card anniversary
Payable regardless of card usage

Why Choose?
IndiGo rewards with flight redemptions
Earn 6E Rewards on eligible purchases
Redeem for IndiGo flight base fares
24-month reward validity period
Fuel surcharge waiver on ₹400 to ₹4,000 transactions

Key Benefits

Dining

★3.0

▼

2% 6E Rewards on dining transactions
2% also on entertainment and grocery
No special dining partnership program
No accelerated earn rate at specific restaurant chains

Fuel

★3.0

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1% fuel surcharge waiver on transactions between ₹400 and ₹4,000
No 6E Rewards earned on fuel purchases from June 2025
1% transaction fee on fuel spends exceeding ₹35,000 per month
Surcharge waiver available at all fuel stations across India

Reward Points

★3.5

▼

3% 6E Rewards on IndiGo transactions
2% on dining, entertainment, and grocery
1% on all other eligible spends
6E Rewards valid for 24 months from issuance
Bonus 6E Rewards from campaigns valid for 6 months
No rewards on rent, wallet, education, fuel, utility, govt, insurance, gaming from June 2025

Shopping

★2.5

▼

1% 6E Rewards on general retail purchases
No accelerated categories for online or offline shopping
EMI conversion on purchases above ₹2,500
1% fee on rent transactions via third-party apps

Merchant Offers

▼

IndiGo exclusive rewards and promotions
6E Prime add-ons for enhanced IndiGo experience
Periodic Kotak Bank promotional deals on partner merchants

Travel

★4.0

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3% 6E Rewards on all IndiGo bookings via goindigo.in and app
Welcome ticket voucher worth ₹1,500
6E Prime add-ons valued at ₹1,099 (priority check-in, seat selection, meal)
Complimentary IndiGo air ticket on 3 transactions/month for first 3 months
6E Rewards redeemable directly for IndiGo flight base fares

Airport Lounge Access

▼

No complimentary airport lounge access
No domestic or international lounge visits included
Upgrade to IndiGo 6E Rewards XL for 8 lounge visits per year

Emi

▼

EMI conversion on purchases above ₹2,500
Contact Kotak Bank to convert eligible transactions
Finance charges apply as per card terms

Detailed Information

Joining Fee	₹700 + GST
Annual Fee	₹700 + GST from 2nd year
Annual Fee Waiver	No waiver available at any spending level
Monthly Percentage Rate	3.54%
Annual Percentage Rate	42.48%
Minimum Monthly Payment	5% of outstanding or ₹200, whichever is higher
Foreign Currency Markup	3.5%
Late Payment Charges	Nil up to ₹500 due; ₹500 (₹501 to ₹5,000); ₹750 (₹5,001 to ₹10,000); ₹1,100 (above ₹10,000)
Overlimit Charges	2.5% of overlimit amount (min ₹500)
Cash Advance Fee	2.5% of amount (min ₹500)
Card Replacement Fee	₹100 + GST
Fee For Duplicate Statement	₹100 + GST
Fee For Cheque Bounce	₹500

Age Requirement Salaried	21-65 years
Age Requirement Self Employed	21-65 years
Minimum Annual Income Salaried	Not specified (bank discretion)
Minimum Annual Income Self Employed	Not specified (bank discretion)
Minimum Credit Score	700+ (indicative)

Identity Proof	PAN Card (mandatory) Aadhaar Card Passport Driving License Voter ID
Address Proof	Aadhaar Card Passport Driving License Voter ID Utility bill (within 3 months)
Income Proof Salaried	Latest 3 months salary slips Bank statement (3 months) Form 16 IT return copy
Income Proof Self Employed	IT return (2 years) Bank statement (6 months) Business registration proof

Frequently Asked Questions

The joining fee is ₹700 plus GST, charged at the time of card issuance. From the second year onward, the annual fee is also ₹700 plus GST, charged on the card anniversary date.

No. Unlike many other credit cards in this segment, the Kotak IndiGo 6E Rewards Credit Card does not provide an annual fee waiver at any spending level. The ₹700 plus GST applies every year regardless of how much you spend.

New cardholders receive a flight ticket voucher worth ₹1,500, 6E Prime add-ons valued at ₹1,099 (priority check-in, seat selection, and a complimentary meal), and can earn a free IndiGo air ticket by completing three transactions per month for the first three months. Welcome benefits are available after paying the joining fee and are valid for six months from the card issuance date.

You earn 3% 6E Rewards on IndiGo bookings made through goindigo.in or the IndiGo app, 2% on dining, entertainment, and grocery purchases, and 1% on all other eligible transactions. From June 2025, no rewards are earned on utility, education, wallet loads, fuel, rent, government, insurance, and online gaming spends.

6E Rewards can be redeemed directly for IndiGo flight base fares when booking through the IndiGo website or mobile app. You apply your accumulated rewards at checkout to reduce the ticket cost. Rewards are valid for 24 months from the date of issuance.

Standard 6E Rewards earned through regular card spending are valid for 24 months from the date of issuance. Bonus 6E Rewards earned through specific promotional campaigns have a shorter validity of six months.

No. The Kotak IndiGo 6E Rewards Credit Card does not include any complimentary airport lounge access, either domestic or international. If you need lounge access, the upgraded Kotak IndiGo 6E Rewards XL card includes 8 domestic lounge visits per year.

Yes. The card provides a 1% fuel surcharge waiver on transactions between ₹400 and ₹4,000 at fuel stations across India. However, from June 2025, no 6E Rewards are earned on fuel purchases.

From June 2025, the following categories do not earn any 6E Rewards: utility bill payments, education payments, wallet loading, fuel purchases, rent payments, government transactions, insurance premiums, and online gaming spends.

A 1% transaction fee plus GST applies on all rent and education payments. It also applies on wallet loading and online gaming spends exceeding ₹10,000, utility bill payments exceeding ₹50,000, and fuel spends exceeding ₹35,000 per month.

Complete at least three transactions per month during each of the first three months after card issuance. Once you meet this milestone, you receive a complimentary IndiGo air ticket that can be redeemed for the base fare on a domestic IndiGo flight.

The 6E Prime add-ons, valued at ₹1,099, include priority check-in at the airport, your choice of seat selection, personal assistance, and a complimentary meal on your next IndiGo flight. These are activated after you pay the joining fee.

The monthly percentage rate is 3.54%, which translates to an annual percentage rate of 42.48%. Interest is charged on any outstanding balance carried forward after the payment due date if the total amount due is not paid in full.

A 3.5% markup applies on all international transactions. This includes purchases made in foreign currency online or abroad. The markup is applied on top of the exchange rate used by Visa for currency conversion.

Late payment fees are based on the outstanding amount: nil for dues up to ₹500, ₹500 for dues between ₹501 and ₹5,000, ₹750 for dues between ₹5,001 and ₹10,000, and ₹1,100 for dues above ₹10,000.

Cash advances attract a fee of 2.5% of the withdrawn amount with a minimum charge of ₹500. Interest on cash advances begins accruing from the date of withdrawal at the standard monthly rate of 3.54%.

You must be an Indian resident aged between 21 and 65 years. Both salaried individuals and self-employed professionals can apply. A good credit score of 700 or above is typically preferred, and income proof is required during the application process.

You need identity proof (PAN card is mandatory, plus Aadhaar, passport, or driving license), address proof (Aadhaar, passport, voter ID, or a recent utility bill), and income proof (salary slips and bank statements for salaried applicants, or IT returns and bank statements for self-employed applicants).

Yes. Purchases above ₹2,500 can be converted into EMI installments. Contact Kotak Mahindra Bank's customer service or use the mobile banking app to convert eligible transactions. Finance charges apply based on the chosen tenure.

The minimum amount due is 5% of the total outstanding balance or ₹200, whichever is higher. Paying only the minimum avoids late payment fees but results in interest charges on the remaining unpaid balance.

The Kotak IndiGo 6E Rewards Credit Card is issued on the Visa network. It supports contactless payments and is accepted at all Visa merchant terminals domestically and internationally.

Yes. Add-on cards are available for family members aged 18 years and above. The add-on card shares the primary card's credit limit, and all transactions on the add-on card earn 6E Rewards at the same rate as the primary card.

The XL variant has a higher annual fee but includes 8 complimentary domestic airport lounge visits per year (up to 2 per quarter), higher reward rates on IndiGo bookings, and additional milestone-based benefits. If you fly IndiGo frequently and use airport lounges, the XL card may justify its premium.

Yes. If you exceed your sanctioned credit limit, an overlimit charge of 2.5% of the overlimit amount applies, with a minimum fee of ₹500. Kotak Bank may also restrict further transactions until the balance is brought below the credit limit.

You can check your 6E Rewards balance through the IndiGo website or the IndiGo mobile app by logging into your 6E Rewards account. Your monthly credit card statement also shows the rewards earned during that billing cycle.