About Kotak IndiGo Ka-ching 6E Rewards XL Credit Card
The Kotak IndiGo Ka-ching 6E Rewards XL Credit Card is a co-branded card for frequent travelers who often fly with IndiGo airlines. It is a premium version of the Kotak IndiGo 6E Rewards Credit Card and comes with exclusive travel benefits like lounge access, priority meals, baggage assistance, 6% rewards on IndiGo spends, and a welcome IndiGo airline ticket worth Rs. 3,000. Apart from travel, it also offers rewards on dining, entertainment, and grocery, making it useful for everyday spending too.
However, this card is mainly suitable for loyal IndiGo flyers. The other benefits are limited, and rewards on non-IndiGo spends are quite basic compared to other cards. If you are looking for a card with high rewards across all spending categories, there are better options at a similar fee of Rs. 1,500. This card works best if your main goal is to get travel benefits on IndiGo flights, which helps justify the annual fee. It would be even better if the card offered co-branded benefits as a milestone or renewal reward every year.
Other Features and Benefits
- Welcome IndiGo ticket worth Rs. 3,000 on card activation
- E Prime add-ons worth Rs. 1,099 including Priority check-in, seat choice, complimentary meal, and faster baggage assistance
- 2 airport lounge visits per quarter, totaling 8 visits per year
- 6% rewards on IndiGo flight spends
- 3% rewards on merchant spends like dining, entertainment, and grocery
- 2% rewards on all other category spends
Fees and Charges
| Fee Type | Amount |
|---|
| Joining Fee | Rs. 1,500 |
| Annual Fee | Rs. 1,500 |
| Finance Charges | 3.75% per month | 45% per annum |
| Foreign Currency Markup | 3.5% |
| Late Payment Charges | | For outstanding amount: | Amount: | | Less than Rs. 100 | Nil | | Rs. 100 - Rs. 500 | Rs. 100 | | Rs. 500.01 - Rs. 5,000 | Rs. 500 | | Rs. 5,000.01- Rs. 10,000 | Rs. 600 | | Rs. 10,0001- Rs. 25,000 | Rs. 800 | | Rs. 25,0001 - Rs. 50,000 | Rs. 1,000 | | Above Rs. 50,000 | Rs. 1,200 |
|
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Document Required For Kotak IndiGo Ka-ching 6E Rewards XL Credit Card
- Proof of Identity: PAN Card, Aadhaar Card, Driver’s License, Passport, Voter ID
- Proof of Address: Aadhaar Card, Driver’s License, Passport
- Proof of Income: Latest 3 salary slips, Last 3 months’ bank statement
Eligibility Criteria
- Age: 21 to 70 years
- Occupation: Salaried or Self-employed
- Credit Score: Should have a good credit history
Kotak IndiGo Ka-ching 6E Rewards XL Credit Card Highlights
What do we like about this card?
- Complimentary IndiGo air tickets can be redeemed for base fare after completing three transactions each month for the first three months.
- Tickets will be credited to the customer’s IndiGo membership account within 30 days of meeting the eligibility.
- Welcome benefits are issued only after paying the joining fee and are not applicable if the fee is waived.
- No reward points will be earned on Utility, Education, Wallet Load, Fuel, Rent, Government, Insurance, and Online Gaming spends from June 1, 2025.
Things to Know Before you apply
Get this card if:
- You often fly with IndiGo and want benefits like priority meals, baggage help, and lounge access.
- You want a welcome IndiGo flight voucher worth Rs. 3,000.
- You spend on food, movies, or groceries and want some rewards on these.
- You mainly want benefits for IndiGo flights, not for other spending.
Pros
- Earn up to 6% rewards on various spends
- Free IndiGo ticket and 6E Prime add-ons when you join
- Complimentary domestic airport lounge access
Cons
- No benefits for international travel
- Rewards can only be used for IndiGo flights and services
- 6E Prime benefits only valid for the first year
- No annual fee waiver or extra milestone benefits
Kotak Mahindra Bank Credit Card Contact Details
- Contact Address: Kotak Mahindra Bank Ltd. 27 BKC, C-27, G Block, Bandra Kurla Complex, Bandra East, Mumbai – 400051, India
Helpline: 1860 266 2666 (available from all major cities in India)
Simply SMS: Send KCC last 4 digits of your credit card to 5676788 to get card-related info.
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Frequently Asked Questions
A. The card gives 2% rewards on dining, grocery, and entertainment spends. On Rs. 1.5 Lakh, you save about Rs. 4,500 a year.
A. You can redeem all 6E reward points earned on the card on the IndiGo website to book flight tickets. The points do not expire.
A. Rewards are not earned on rent, wallet, education, and government spends.
A. 6E reward is the reward point currency you earn on IndiGo co-branded credit cards, redeemable for IndiGo flights.
A. You get add-ons worth Rs. 1,099, including priority check-in, seat selection, a complimentary meal, and faster baggage assistance.
A. You get 8 complimentary lounge accesses per year, maximum 2 per quarter.
A. It will be credited to your IndiGo account within 30 days after meeting the eligibility.
A. Regular 6E Rewards are valid for 24 months, while campaign-specific bonus rewards are valid for 6 months. You can view and redeem points on the IndiGo 6E Rewards website.
