Kotak IndiGo 6E Rewards XL Credit Card
Kotak Mahindra Bank
Last updated: Nov 19, 2025
₹1,500
₹1,500
2%
8 visits/yr
Contents
Kotak-IndiGo 6E Rewards XL is a co-branded travel rewards credit card built for frequent IndiGo flyers. It offers accelerated 6E Rewards on IndiGo spends, a complimentary IndiGo ticket as a welcome benefit, and domestic lounge access. Suited for travellers who book IndiGo frequently and want travel-related perks and milestone BluChips.
Features of Kotak IndiGo 6E Rewards XL Credit Card which makes it unique
6E Co-branded Rewards
High BluChips earn on IndiGo spends
Faster free-flight redemptions
Better for IndiGo flyers than generic travel cards
Milestone BluChips
Annual and periodic milestone rewards
Extra travel vouchers and points
Adds value for consistent spenders
Rewards Structure of Kotak IndiGo 6E Rewards XL Credit Card
IndiGo
acceleratedIndiGo flight bookings and IndiGo services
Highest earn on IndiGo bookings via IndiGo / partner channels
Dining
acceleratedRestaurants and dining outlets
Accelerated dining rewards
Shopping
baseAll merchants
Standard earn rate on general spends
Base Reward
baseAll non-bonus spends
If no special category applies, base rate applies
Milestones of Kotak IndiGo 6E Rewards XL Credit Card
Milestone BluChips
₹1,50,000 annually : Bonus BluChips and voucher credits
Quarterly Transaction Reward
Monthly activity thresholds : Additional 6E Rewards or vouchers
Fees & Charges of Kotak IndiGo 6E Rewards XL Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | ₹1,500 |
| Annual Fee | ₹1,500 |
| Forex Markup Fee | 2% |
| Cash Advance Fee | 2.5% |
| Late Payment Fee | ₹750 |
| Over Limit Fee | ₹500 |
| Returned Payment Fee | ₹350 |
| Cash Withdrawal Fee | 3% |
Renewal Conditions:Welcome/renewal benefits available on payment of fees; no automatic fee waiver.
Fee Explanation Standard Kotak fees and interest apply; see bank terms for interest on outstanding balances and minimum amount due rules.
Lounge Access Benefits with Kotak IndiGo 6E Rewards XL Credit Card
domestic Lounges
silverVisits per year: 8
Guest access: No
Complimentary domestic lounge access subject to card terms
international Lounges
silverVisits per year: 0
Guest access: No
No complimentary international lounge access
Insurance Coverage with Kotak IndiGo 6E Rewards XL Credit Card
Travel insurance
₹2,00,000On eligible international trips and bookings via specified channels
Purchase protection
₹25,000Limited time from date of purchase; check full T&Cs
Additional Features of Kotak IndiGo 6E Rewards XL Credit Card
Contactless Payments
Tap-and-pay enabled for quick transactions
Add-on Cards
Add-on cards available as per bank policy
Welcome Bonus with Kotak IndiGo 6E Rewards XL Credit Card
Welcome Bonus: ticket worth ₹3,000 plus 6E Prime add-on voucher.
Bonus Conditions: Welcome benefits issued after payment of joining fee and completion of three transactions each month for first three statement cycles; credited to IndiGo account within 30 days.
Application Process for Kotak IndiGo 6E Rewards XL Credit Card
Processing Time
5-10 business days
Online Application
Available
Instant Approval
Not Available
Step-by-Step Process
Apply online via Kotak / official channels or bank portal
Upload KYC and income documents as requested
Wait for banking verification and eligibility checks
Receive approval and card dispatch details
Required Documents for Kotak IndiGo 6E Rewards XL Credit Card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
salariedAccepted documents:
Kotak IndiGo 6E Rewards XL Credit Card Merchant Acceptance Network
Domestic Acceptance
Wide coverage across India
International Acceptance
Accepted globally where Visa is supported
Online Acceptance
Yes
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for Kotak IndiGo 6E Rewards XL Credit Card
Quick Eligibility Check
Minimum Age
18+
Credit Score
700+
Citizenship
Indian only
Income Requirements
Salaried Applicants
₹25,000
Minimum annual income
Self-Employed Applicants
₹40,000
Minimum annual income
Who Can Apply
Important Conditions
- Valid PAN and Aadhaar required for KYC; Kotak eligibility and approval criteria apply.
How Approval Is Decided
- Minimum income as per Kotak policy
- Indian resident with valid KYC
- Satisfactory credit score and banking history
Pros of Kotak IndiGo 6E Rewards XL Credit Card
- Welcome IndiGo ticket and Prime add-on (on eligible conditions)
- Multiple domestic lounge visits
- Attractive co-branded IndiGo benefits for frequent flyers
Cons of Kotak IndiGo 6E Rewards XL Credit Card
- Joining and annual fees apply with no simple waiver
- Welcome benefit requires fee payment and multiple initial transactions
- Limited international lounge or premium global benefits
Frequently Asked Questions about Kotak IndiGo 6E Rewards XL Credit Card
Is there a joining fee?
Yes, a joining fee of ₹1,500 + GST is charged; welcome benefits apply only after payment of the joining fee.
What is the welcome benefit?
A complimentary IndiGo ticket worth ₹3,000 and a 6E Prime add-on voucher are issued on meeting joining fee and transaction conditions.
How many lounge visits do I get?
Complimentary domestic lounge visits—typically up to 8 visits per year—subject to Kotak terms.
Can I redeem rewards for IndiGo flights?
Yes — accumulated 6E Rewards/BluChips can be redeemed for IndiGo flights and add-ons under 6E Rewards program rules.
Is there a fee waiver on annual charges?
There is no simple spend-based automatic waiver; renewal benefits may be available on fee payment as per Kotak policy.
Who is eligible to apply?
Indian residents meeting Kotak’s minimum income and credit criteria (typically credit score ~700+) can apply; documents such as PAN and Aadhaar required.
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