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  3. Kotak Mahindra Bank
  4. IndiGo 6E Rewards Kotak Credit Card
IndiGo 6E Rewards Kotak Credit Card Credit Card
Kotak Mahindra Bank logo
Kotak Mahindra BankMastercard Network
Verified
Direct Bank Application via Official Issuer Portal
Travel
4.1/5 Editorial Score

IndiGo 6E Rewards Kotak Credit Card

Dedicated Airline Travel Rewards on IndiGo Flights

Best Suited For

Frequent domestic flyers, business travelers, and vacationers who routinely fly on IndiGo.

Travel
Joining Fee

₹700

One-time upfront
Annual Fee

₹700

Waiver terms not verified
Base Rewards

1% on general retail, 2% on dining/grocery/entertainment, 2.5% on IndiGo

On eligible spends
Forex Markup

3.50% + GST

Cross-currency spends
Apply NowCompare CardOfficial Terms

Last verified 2 Oct 2026

Why Consider This Card?

Objective editorial assessment, ideal spender profile, and primary trade-offs

Editorial Verdict

4.1/5 Editorial Score

The IndiGo 6E Rewards Kotak Credit Card is designed specifically for patrons of India's largest domestic carrier, IndiGo Airlines. Carrying a reasonable joining and annual fee of ₹700 plus GST, the card immediately delivers tangible value through a welcome gift comprising 1 complimentary IndiGo air ticket voucher worth ₹1,500 and a 6E Prime addon (granting priority check-in, choice of seat, and quick baggage handling). Cardholders earn 2.5% 6E Rewards on IndiGo flight tickets, ancillary services (seat selection, excess baggage, inflight meals) booked directly on IndiGo's website or app, 2% on dining, grocery, and entertainment purchases, and 1% on general retail spends. Crucially, 1 6E Reward equals exactly ₹1.00 when redeemed toward booking future IndiGo flight tickets, ensuring complete transparency. The limitation is that rewards are entirely locked into the IndiGo ecosystem; they cannot be converted into cash statement credit or transferred to other hotel/airline loyalty programs. Furthermore, the entry ₹700 variant does not include complimentary domestic airport lounge visits (which are reserved for the premium 6E Rewards XL tier). For domestic corporate travelers and families who fly IndiGo at least two or three times a year, the ₹1,500 flight voucher and 2.5% flight return easily exceed the card's modest maintenance cost.

Ideal For:Frequent domestic flyers, business travelers, and vacationers who routinely fly on IndiGo.
Travel

Card Strengths

  • 2.5% 6E Rewards on all IndiGo flight bookings and ancillary services booked via official channels
  • Complimentary IndiGo flight ticket voucher worth ₹1,500 as a welcome gift
  • Complimentary 6E Prime addon offering priority check-in, preferred seat, and quick baggage
  • Transparent 1:1 reward redemption ratio (1 6E Reward = ₹1.00 on IndiGo tickets)
  • 2% 6E Rewards on dining, entertainment, and grocery purchases

Things to Keep in Mind

  • No complimentary domestic airport lounge access included on this standard tier
  • Reward points are strictly locked into the IndiGo airline booking portal
  • Standard 3.50% forex markup on international flight or hotel payments
  • Flight voucher carries validity restrictions and black-out dates during peak travel seasons

Additional Cardholder Privileges

Rewards
Rewards

5 IndiGo BluChips/₹100 Spent on IndiGo; 2 IndiGo BluChips/₹100 Spent on Dining & Entertainment; 1 IndiGo BluChip/₹100 on All Other Categories

Welcome
Welcome Benefit 1

Voucher of 2,500 IndiGo BluChips

Rewards & Cashback Structure

Base earning rates, partner merchant acceleration, redemption options, and exclusions

Reward Program Name
IndiGo 6E Rewards
Reward Currency
6E Rewards
Base Earn Rate
1% on general retail, 2% on dining/grocery/entertainment, 2.5% on IndiGo
Point Value (INR)
₹1.0000 per point
Redemption Channels
Redeem directly on IndiGo website and mobile app for ticket bookings and ancillary services.
Reward Point Expiry
6E Rewards points valid for 24 months.
Category Accelerated Earn RatesPublished Terms
Spend CategoryEarn RateReward CapConditions
IndiGo Flight & Add-on Bookings2.5% 6E Rewards on IndiGo tickets and add-on servicesNo CapStandard terms apply
Dining, Grocery & Entertainment2% 6E Rewards on dining, grocery, and entertainment spendsNo CapStandard terms apply
All Other Retail Spends1% 6E Rewards on all other eligible retail transactionsNo CapStandard terms apply
Explore top credit cards and rewards across top verified merchant brands.Browse Merchant Hubs

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Reward Exclusions: Fuel transactions, wallet loading, cash withdrawals, rent payments, educational payments, and government services are generally excluded from base and accelerated reward point accrual across all Indian card issuers.
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Estimate Your Annual Rewards

Estimate your rewards using the card's current reward rates, monthly caps and applicable fee-waiver rules.

Verified Rates & Caps
Quick Select:
Total Monthly Spend:₹30,000 / month
₹5,000 / mo₹1 lakh / mo₹2 lakh / mo

Category Spend Allocation

Customize monthly spend in each category. Category amounts sum directly to your monthly spend.

Assumed spend distribution
IndiGo Flight & Add-on Bookings2.50%
No published cap
₹
Dining, Grocery & Entertainment2.00%
No published cap
₹
All Other Retail Spends1.00%
No published cap
₹
Excluded / Non-Reward Spends0%
Fuel, rent, wallet, govt, cash
₹
Category / Reward BucketMonthly SpendRateEffective RateCap PeriodEligible RewardCap Status
IndiGo Flight & Add-on Bookings₹6,0002.5% 6E Rewards on IndiGo tickets and add-on services—NoneCalculating... Under cap
Dining, Grocery & Entertainment₹6,0002% 6E Rewards on dining, grocery, and entertainment spends—NoneCalculating... Under cap
All Other Retail Spends₹18,0001% 6E Rewards on all other eligible retail transactions—NoneCalculating... Under cap
Total Monthly Cashback₹30,000-—-₹0 / moZero cap loss
Annual Spends

₹3.6 lakh

12 billing cycles
Annual Capped Rewards

₹0

0% blended return
Effective Fee

-₹700

Standard renewal
Net Annual Value

+₹0 / yr

Rewards - Fee
*Calculation based on verified card reward rates, applicable monthly caps, and fee-waiver thresholds - ₹700 annual fee.
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Airport Lounge Access

Domestic and international lounge privileges, spend hurdles, and participating terminals

No Airport Lounge Access Included

This card is tailored primarily for shopping rewards, cashback, or specific co-branded spend and does not include complimentary airport lounge visits.

Fees & Charges

Complete breakdown of joining, renewal, forex, financing APR, and transaction charges

1. Card Membership Fees

Joining Fee (1st Year)
₹700
Annual / Renewal Fee (2nd Year Onwards)
₹700
Annual Spend Fee Waiver
Waiver terms not verified
Fee Terms Notes
Joining fee Rs 700 + GST; annual renewal fee Rs 700 + GST.

2. International Spends

Foreign Currency Markup (Forex)
3.50% + GST
Dynamic Currency Conversion (DCC)
Standard 1% mark-up on cross-currency INR transactions where applicable

3. Borrowing & Financing

Monthly Interest Rate (Finance Charges)
Refer to official schedule of charges
Annualized Interest Rate (APR)
Refer to official schedule of charges
Cash Advance / ATM Withdrawal Fee
Refer to official schedule of charges
Interest-Free Period
Up to 50 Days

4. Other Charges & Taxes

Late Payment Charges
Refer to official schedule of charges
Regulatory Tax Notice: Goods and Services Tax (GST) of 18% is applicable on all card fees, interest charges, and milestone fees as mandated by the Government of India.

Verified Terms & Exclusions Summary

• Joining Fee: ₹700 + GST; Annual Renewal Fee: ₹700 + GST. • Welcome Benefit: 1 complimentary IndiGo flight ticket voucher worth ₹1,500 + 1 6E Prime addon upon 3 transactions in first 3 months. • Reward Rate: 2.5% 6E Rewards on IndiGo tickets/services; 2% on dining, groceries, and entertainment; 1% on other retail. • Point Valuation: 1 6E Reward Point = ₹1.00 when redeemed for IndiGo flight bookings; valid for 24 months. • Annual Fee Waiver: Spend ₹1,00,000 or more in the previous membership year to waive the renewal fee. • Exclusions: Fuel purchases, rent transactions, and wallet loads do not accrue 6E Rewards.

Is the Annual Fee Worth It?

Evaluate whether this card's perks and waiver threshold justify its ₹700 renewal fee.

Calculate Fee ROI

Eligibility & Application Requirements

Income criteria, minimum age, CIBIL score benchmark, and verification checklist

Eligibility criteria not specified

Verified eligibility criteria are not currently available for this card. Check the issuer's latest terms before applying.

Mandatory Verification Documents

1. Identity ProofPAN Card (Mandatory), Aadhaar Card, Passport, or Voter ID.
2. Address ProofAadhaar (DigiLocker), Utility Bill (Electricity/Piped Gas), or Rental Agreement.
3. Income ProofLatest 3 months salary slips, Form 16, or latest 2 years ITR computation.

Frequently Asked Questions

Common questions regarding IndiGo 6E Rewards Kotak Credit Card application, fees, reward redemption, and eligibility

How do I redeem 6E Rewards earned on the IndiGo Kotak Credit Card?
Your earned 6E Rewards are automatically credited to your IndiGo 6E Rewards membership account linked to your mobile number. You can redeem them at a verified 1:1 valuation (1 6E Reward = ₹1) directly on the IndiGo website or mobile app during flight booking.
Does the IndiGo Kotak card offer complimentary airport lounge visits?
No, this standard ₹700 variant does not include complimentary airport lounge access. Complimentary domestic lounge visits are offered on the higher-tier IndiGo 6E Rewards XL card.
What is the welcome gift on this card?
You receive 1 complimentary IndiGo air ticket voucher worth ₹1,500 and 1 6E Prime addon (priority check-in, choice seat, quick baggage) upon making 3 transactions in the first 3 months.
How can I waive the ₹700 annual fee?
The annual renewal fee of ₹700 is waived if your cumulative retail spending reaches or exceeds ₹1,00,000 in the previous 12-month membership period.
What is the joining and annual renewal fee for IndiGo 6E Rewards Kotak Credit Card?
The joining fee for IndiGo 6E Rewards Kotak Credit Card is ₹700 (one-time), and the annual renewal fee is ₹700 from the second year onwards. GST of 18% is applicable on all fee charges.
Can the annual fee on IndiGo 6E Rewards Kotak Credit Card be waived?
Official annual fee waiver spend terms are currently unverified for IndiGo 6E Rewards Kotak Credit Card. Refer to the official Kotak Mahindra Bank cardholder schedule of charges or bank portal for latest terms.
What are the primary rewards and cashback earn rates on IndiGo 6E Rewards Kotak Credit Card?
IndiGo 6E Rewards Kotak Credit Card offers 1% on general retail, 2% on dining/grocery/entertainment, 2.5% on IndiGo. Cardholders also enjoy accelerated reward rates on partner merchants and selected digital spend categories.
Does IndiGo 6E Rewards Kotak Credit Card offer complimentary airport lounge access?
No, IndiGo 6E Rewards Kotak Credit Card is designed for daily retail, cashback, or UPI spend and does not currently include complimentary airport lounge visits.

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DIRECT BANK APPLICATION

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