Kotak IndiGo 6E Rewards Credit Card
Kotak Mahindra Bank
Last updated: Feb 03, 2026
₹700
₹700
3.5%
No lounge access
Contents
Kotak IndiGo 6E Rewards Credit Card is a co-branded travel credit card designed for frequent IndiGo flyers who want to convert everyday spending into flight savings. You earn 6E Rewards on IndiGo flight bookings, dining, grocery, entertainment and other daily expenses, with rewards redeemable against IndiGo flights and add-ons. The welcome package includes a complimentary IndiGo ticket and 6E Prime benefits such as priority check-in, seat selection and a free meal, giving strong upfront travel value. Although the card is currently discontinued for new customers, it continues to offer attractive airline-linked rewards and benefits for existing Kotak cardholders who regularly fly with IndiGo.
Features of Kotak IndiGo 6E Rewards Credit Card which makes it unique
Co-Branded IndiGo Travel Focus
Everyday card spends are converted into IndiGo-specific 6E Rewards, directly linked to your IndiGo 6E Rewards account.
Makes it easier for frequent IndiGo flyers to accumulate rewards that directly reduce flight costs.
More targeted for IndiGo loyalists than generic travel or airline-agnostic reward cards.
Welcome Flight Ticket and 6E Prime Add-On
Combines a complimentary IndiGo flight ticket with 6E Prime benefits such as priority check-in, seat selection, baggage assistance and a complimentary meal.
Provides strong first-year value for travellers who can meet the welcome benefit transaction conditions.
Welcome benefit is highly relevant to IndiGo flyers compared to non-airline welcome gifts on general-purpose cards.
Rewards Structure of Kotak IndiGo 6E Rewards Credit Card
IndiGo Flight Bookings
baseFlight bookings made on IndiGo website or mobile app in Indian Rupees (eligible transactions only).
6E Rewards earned on IndiGo bookings are automatically transferred to the linked IndiGo 6E Rewards account and can be redeemed for base fare and select add-ons, as per IndiGo rules.
Dining, Grocery and Entertainment
baseTransactions classified as dining, grocery and entertainment by the bank’s merchant category mapping.
Everyday lifestyle spends in these categories help you accumulate 6E Rewards faster and reach free IndiGo flights sooner.
Other Eligible Spends
baseAll other retail spends except transactions excluded by the bank and IndiGo (such as rent, wallet loads, government and education payments, and certain business spends).
Base rewards ensure that most day-to-day card usage contributes to your 6E Rewards balance, even outside travel and dining.
Fees & Charges of Kotak IndiGo 6E Rewards Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | ₹700 |
| Annual Fee | ₹700 |
| Forex Markup Fee | 3.5% |
| Cash Advance Fee | 2.5% |
| Late Payment Fee | ₹700 |
| Over Limit Fee | ₹500 |
| Returned Payment Fee | ₹500 |
| Cash Withdrawal Fee | 3% |
Renewal Conditions:No spend-based annual fee waiver; renewal fee of ₹700 plus applicable taxes is charged every year.
Fee Explanation Interest of ~3.5% per month (about 42% annually) applies on unpaid balances. Late payment charges are slab-based: ₹100 for outstanding up to ₹500, ₹500 for ₹500.01–₹10,000 and ₹700 for amounts above ₹10,000. Cash advances, balance transfers and fund transfers are charged at 2.5% of the amount or a minimum of ₹500 per ₹10,000. Foreign currency transactions attract a 3.5% markup plus GST. Other fees such as fuel surcharge, railway surcharge and replacement charges apply as per Kotak Mahindra Bank’s MITC for this card.
Detailed Explanation of Kotak IndiGo 6E Rewards Credit Card Fees
Joining Fee: 700 (once)
Plus applicable taxes; payable in the first year; welcome benefits are linked to payment of this fee.
Annual Fee: 700 (yearly)
Charged from the second year onwards; no spend-based waiver available.
Cash Advance Fee: 2.5% (transaction)
2.5% of the cash amount, subject to a minimum of ₹500 per ₹10,000 withdrawn, plus finance charges until repayment.
Foreign Currency Markup: 3.5% (transaction)
Applied on all international transactions, in addition to scheme charges and applicable taxes.
Late Payment Charges: ₹100–₹700 (statement)
₹100 for total outstanding up to ₹500, ₹500 for ₹500.01–₹10,000 and ₹700 for amounts above ₹10,000.
Overlimit Fee: 500 (statement)
Charged if total outstanding exceeds the sanctioned credit limit in a billing cycle.
Returned Payment Fee: 500 (transaction)
Applicable on bounced cheques or failed payment instructions.
Lounge Access Benefits with Kotak IndiGo 6E Rewards Credit Card
domestic Lounges
silverVisits per year: 0
Guest access: No
This base variant does not provide complimentary airport lounge access; lounge visits, if any, are chargeable as per lounge tariffs.
Insurance Coverage with Kotak IndiGo 6E Rewards Credit Card
Complimentary Insurance Benefits
Not includedKotak IndiGo 6E Rewards Credit Card does not advertise built-in travel, air accident or purchase protection cover as a core feature; customers may separately purchase insurance from the bank or third-party providers.
Additional Features of Kotak IndiGo 6E Rewards Credit Card
6E Rewards Validity
6E Rewards earned with this card are generally valid for 24 months from the date of credit, on a first-in-first-out basis.
Validity and expiry rules are governed by IndiGo’s 6E Rewards program; bonus rewards from specific campaigns may have shorter validity.
Easy EMI on Big Purchases
High-value card transactions can typically be converted into EMIs through Kotak Mahindra Bank’s Smart EMI facility.
EMI conversion is subject to eligibility, minimum transaction amount, processing fee and interest rate as per the bank’s prevailing Smart EMI terms.
Welcome Bonus with Kotak IndiGo 6E Rewards Credit Card
Welcome Bonus: IndiGo flight ticket worth ₹1,500 + 6E Prime add-on benefits
Bonus Conditions: Welcome ticket and 6E Prime add-on are issued after payment of the joining fee and completion of a minimum of three eligible transactions in each of the first three months. Benefits are credited to the linked IndiGo 6E Rewards account and are typically valid for six months from issuance; not applicable if joining fee is waived or reversed.
Application Process for Kotak IndiGo 6E Rewards Credit Card
Processing Time
Applications are processed as per Kotak Mahindra Bank’s internal timelines, typically within a few working days once documents and checks are complete.
Online Application
Not Available
Instant Approval
Not Available
Step-by-Step Process
Check your eligibility on Kotak Mahindra Bank’s website or through customer care, keeping in mind that the card is currently discontinued for new customers.
If you are an existing cardholder from earlier campaigns, continue to manage your card through Kotak NetBanking, mobile app or customer care.
Track statements, pay dues on time and monitor your 6E Rewards balance through IndiGo’s 6E Rewards platform.
If Kotak relaunches a refreshed IndiGo co-branded product in future, you may be able to submit a fresh online application or request an upgrade from your existing Kotak credit card, subject to the bank’s policy at that time.
Required Documents for Kotak IndiGo 6E Rewards Credit Card
Identity Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
salariedAccepted documents:
Income Proof
self-employedAccepted documents:
Kotak IndiGo 6E Rewards Credit Card Merchant Acceptance Network
Domestic Acceptance
Widely accepted across India at most merchant outlets, online platforms and POS terminals that support Visa credit cards.
International Acceptance
Can be used at merchants and ATMs worldwide wherever Visa credit cards are accepted, subject to foreign exchange regulations and markup fees.
Online Acceptance
Yes
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for Kotak IndiGo 6E Rewards Credit Card
Quick Eligibility Check
Minimum Age
21+
Credit Score
0+
Citizenship
Indian resident only
Income Requirements
Salaried Applicants
₹0
Minimum annual income
Self-Employed Applicants
₹0
Minimum annual income
Who Can Apply
Important Conditions
- Primary cardholder should be between 21 and 65 years of age; add-on cardholder must be 18 years or above. Applicant must be a resident of India and meet Kotak Mahindra Bank’s internal income and credit-profile criteria. The card is currently marked as discontinued for new applications; features and fees apply for existing cardholders.
How Approval Is Decided
- Historical applicants were required to be Indian residents within the specified age band for primary and add-on cardholders.
- Approval depended on Kotak Mahindra Bank’s internal assessment of income, employment stability, credit score and existing obligations.
- Even for co-branded cards, final sanction, credit limit and ongoing renewal are always at the sole discretion of Kotak Mahindra Bank.
Pros of Kotak IndiGo 6E Rewards Credit Card
- Co-branded with IndiGo, offering focused value for travellers who regularly fly with the airline.
- Accelerated 6E Rewards on IndiGo bookings and popular lifestyle categories like dining, grocery and entertainment.
- Welcome IndiGo flight ticket and 6E Prime add-on benefits can easily offset the joining fee for active users.
Cons of Kotak IndiGo 6E Rewards Credit Card
- No complimentary airport lounge access on this base variant; lounge benefits are available only on higher-tier cards.
- Foreign currency markup of 3.5% plus taxes makes it less attractive for frequent international spends.
- Card is currently discontinued for new applications, so only existing cardholders can benefit from these features.
Frequently Asked Questions about Kotak IndiGo 6E Rewards Credit Card
Is the Kotak IndiGo 6E Rewards Credit Card still open for new applications?
As per Kotak Mahindra Bank’s official website, the Kotak IndiGo 6E Rewards Credit Card is currently marked as discontinued, which means it is not open for new applications. However, existing cardholders can continue to use the card and enjoy the applicable benefits, rewards and fees schedule.
How do 6E Rewards work on the Kotak IndiGo 6E Rewards Credit Card?
You earn 6E Rewards on every eligible spend: accelerated rewards on IndiGo flight bookings and on dining, grocery and entertainment, and base rewards on other eligible purchases. The accumulated 6E Rewards are periodically transferred to your IndiGo 6E Rewards account and can be redeemed for IndiGo flight tickets and select add-ons, usually at a rate of 1 6E Reward equal to ₹1 of value on eligible bookings, subject to IndiGo’s redemption rules.
What is the fee structure of the Kotak IndiGo 6E Rewards Credit Card?
The card charges a joining fee of ₹700 plus taxes in the first year and an annual fee of ₹700 plus taxes from the second year onwards, with no spend-based waiver. Interest on unpaid balances is around 3.5% per month (about 42% per annum). Foreign currency transactions attract a 3.5% markup plus taxes, while late payment, cash advance and overlimit fees apply as per Kotak Mahindra Bank’s MITC for this card.
Does the Kotak IndiGo 6E Rewards Credit Card offer airport lounge access?
No, the Kotak IndiGo 6E Rewards Credit Card does not provide complimentary airport lounge access. If lounge access is important to you, Kotak and IndiGo have offered higher-tier variants in the past, such as the XL version, which include domestic lounge visits, or you may consider other Kotak travel cards that explicitly advertise lounge benefits.
Who should consider using the Kotak IndiGo 6E Rewards Credit Card?
This card is best suited for existing Kotak customers who frequently fly with IndiGo and spend regularly on dining, groceries and entertainment. Users who can meet the welcome benefit transaction conditions and consistently book IndiGo flights are likely to extract the most value, as their 6E Rewards can substantially reduce future flight costs.
Does the Kotak IndiGo 6E Rewards Credit Card include insurance coverage?
Kotak’s official communication on this card does not highlight built-in travel, air accident or purchase protection insurance. As a result, you should assume that there is no significant complimentary insurance cover included and separately evaluate travel or purchase insurance if you need those protections.
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