MyFinCards
Kotak IndiGo 6E Rewards XL Credit

Joining Fee

Free

Annual Fee

Rs. 0 + Taxes

Kotak Bank
Travel
Rewards
Best For: Frequent IndiGo flyers, Travellers seeking airline co-branded rewards

Kotak IndiGo 6E Rewards XL Credit

Rewards Structure

Base Reward Rate

6% on spends

Point Value

1 Point = ₹1

Points Validity

24 Months

Pros

  • 6% rewards on IndiGo flight bookings
  • 3 points per ₹100 on dining, grocery and entertainment
  • Welcome ticket worth ₹3,000
  • Welcome 6E Prime add-on worth ₹1,099
  • 8 complimentary lounge accesses per year

Cons

  • Rewards valid only for 24 months from card issuance date
  • No rewards on rent, wallet, education and government spends
  • No rewards on group, corporate, SME and agent IndiGo bookings
  • Card is discontinued for new applications

Hidden Catches (Transparency Policy)

To build trust with our users, we highlight the fine print that issuers often tuck away in policy documents.

Welcome benefits not available if joining fee is waived

Rewards not earned on MCC codes: 6513, 6540, 8211, 8220, 8241, 8244, 8249, 8299, 9211, 9222, 9311, 9399, 9402, 9405, 9950

Welcome benefit credited within 60 days of eligibility

Key Benefits & Features

6E Prime add-on worth ₹1,099 as welcome benefit - priority check-in, choice of seats, complimentary meals and assistance

Eligibility Criteria

Occupation

SALARIED

Notable Exclusions

No 6E Rewards on rent, wallet, education and government spends

*Exclusions may apply to EMI transactions, fuel, and wallet reloads based on current bank policy.

Official Terms & Conditions

About Kotak IndiGo 6E Rewards XL Credit

The Kotak IndiGo 6E Rewards XL Credit Card is a co-branded travel credit card designed for frequent IndiGo flyers who want to maximise their airline rewards. Now discontinued for new applications, this card offered an elevated rewards experience built around IndiGo travel bookings, everyday spending, and exclusive travel perks. Cardholders earned 6E Reward points on every transaction, with accelerated earning rates across key categories: 6 points per ₹100 spent on IndiGo bookings, 3 points per ₹100 on dining, grocery, and entertainment, and 2 points per ₹100 on all other eligible spends. These points could be redeemed directly while booking IndiGo flights, offering straightforward and practical value for air travellers. Welcome benefits included a ticket voucher worth ₹3,000 and a 6E Prime add-on worth ₹1,099, covering priority check-in, choice of seat, complimentary meals, and baggage assistance, provided cardholders completed at least three transactions in each of the first three statement cycles after paying the joining fee. Beyond flight rewards, the card delivered lifestyle benefits including complimentary access to domestic airport lounges eight times per year, with two visits permitted per calendar quarter. Reward points remained valid for 24 months from the date of card issuance, giving cardholders ample time to accumulate and redeem their benefits on future IndiGo travel.

Expert Review

Our Verdict

Best co-branded IndiGo card with 6% rewards on flights, lounge access & rich welcome benefits.

Frequently Asked QuestionsAbout Kotak IndiGo 6E Rewards XL Credit

REWARDSWhat reward rate do I earn on IndiGo flight bookings with the Kotak IndiGo 6E Rewards XL Credit Card?
You earn 6 points per ₹100 spent on IndiGo flight transactions, which effectively translates to a 6% reward rate on your IndiGo bookings. This applies to direct bookings made through the IndiGo website or mobile app. Please note that no 6E Rewards will be earned on group, corporate, SME, or agent bookings made through the IndiGo website or app.
REWARDSWhat reward points do I earn on dining, grocery, and entertainment spends?
You earn 3 points per ₹100 spent on dining, grocery, and entertainment categories. For all other eligible spends, you earn 2 points per ₹100. These reward points can be redeemed while booking IndiGo flights, helping you save on your next trip. Rewards are unlimited, so there is no cap on how many points you can accumulate.
REWARDSWhich spending categories are excluded from earning 6E Reward points?
Rent, wallet top-ups, education, and government spends are not eligible for earning 6E Reward points. The excluded MCC codes are: 6513, 6540, 8211, 8220, 8241, 8244, 8249, 8299, 9211, 9222, 9311, 9399, 9402, 9405, 9950. Additionally, group, corporate, SME, and agent bookings made through the IndiGo website or app will not earn any 6E Rewards.
REWARDSWhat is the validity period of 6E Reward points earned on this card?
The 6E Reward points earned on the Kotak IndiGo 6E Rewards XL Credit Card are valid for 24 months from the date of card issuance. It is important to plan your redemptions accordingly to avoid losing your accumulated points. Ensure you redeem your points within this period by using them while booking IndiGo flights on the website or mobile app.
BENEFITSWhat are the welcome benefits offered with this card?
The Kotak IndiGo 6E Rewards XL Credit Card offers two welcome benefits: a ticket voucher worth ₹3,000 and a 6E Prime Add-on worth ₹1,099 that includes complimentary meals, quick baggage access, priority check-in, and choice of seats. These benefits are credited to your IndiGo membership account within 60 days of eligibility and you will be notified via SMS and email when they are credited.
BENEFITSHow do I qualify for the welcome benefits on the Kotak IndiGo 6E Rewards XL Credit Card?
To qualify for the welcome benefits, you must complete at least three transactions in each of the first three statement cycles and pay the joining fee. For example, if your card is issued on 23rd July 2024 with a statement date of the 20th, you need three transactions each in the cycles: 23rd July–19th August, 20th August–19th September, and 20th September–19th October. Customers with a waived joining fee are not eligible for welcome benefits.
BENEFITSHow many complimentary lounge accesses do I get with this card?
The Kotak IndiGo 6E Rewards XL Credit Card offers 8 complimentary domestic lounge accesses per calendar year, with a maximum of 2 accesses per quarter. You can visit the Kotak Bank website to view the full list of participating lounges available under this lounge program. Terms and conditions apply for lounge access usage.
USAGEHow can I redeem my 6E Reward points?
You can redeem your 6E Reward points while booking IndiGo flights through the IndiGo website or mobile app. The points earned on every transaction can be applied at checkout to reduce the cost of your next IndiGo flight booking. Note that the welcome ticket voucher can also be redeemed only via the IndiGo website or mobile app, and not through any other booking platform.
APPLICATIONIs the Kotak IndiGo 6E Rewards XL Credit Card still available for new applications?
No, the Kotak IndiGo 6E Rewards XL Credit Card has been discontinued for new applications. If you are looking for a similar travel rewards card, you may explore other Kotak credit cards such as the Kotak IndiGo 6E Rewards Credit Card or other travel-focused cards currently available on the Kotak Bank website. Existing cardholders can continue to use their cards and enjoy the associated benefits.
FEESWhat are the joining and annual fees for the Kotak IndiGo 6E Rewards XL Credit Card?
The specific joining and annual fee details for the Kotak IndiGo 6E Rewards XL Credit Card are not publicly listed on the card page. Since the card has been discontinued for new applications, fee information may no longer be updated. For exact fee details, existing cardholders are advised to check their card agreement documents or contact Kotak Bank customer care at 1800 4100 (toll-free) or email customersupport@kotak.com.
INTERNATIONALCan I use the Kotak IndiGo 6E Rewards XL Credit Card for international transactions?
The Kotak IndiGo 6E Rewards XL Credit Card can generally be used for international transactions as it is a standard credit card. However, specific forex markup charges and international usage details are not mentioned on the card page. For information on foreign currency transaction fees or international usage terms, existing cardholders should refer to the card's fees and charges section or contact Kotak Bank at 1800 4100 or email customersupport@kotak.com.
REWARDSDoes the Kotak IndiGo 6E Rewards XL Credit Card earn rewards on all IndiGo bookings?
No, not all IndiGo bookings are eligible for 6E Rewards. While individual bookings made through the IndiGo website or mobile app earn 6 points per ₹100, bookings made through group, corporate, SME, or agent channels on the IndiGo platform do not earn any 6E Reward points. Always ensure you book directly through the IndiGo website or app using your personal account to earn maximum rewards.
BENEFITSWhat is the 6E Prime Add-on benefit included in the welcome offer?
The 6E Prime Add-on, worth ₹1,099, is included as part of the welcome benefit for the Kotak IndiGo 6E Rewards XL Credit Card. It provides benefits such as priority check-in, choice of preferred seats on IndiGo flights, complimentary meals, and quick baggage access. This add-on enhances your overall IndiGo travel experience and is credited to your IndiGo membership account within 60 days of meeting the eligibility criteria.
CANCELLATIONHow do I cancel or close my Kotak IndiGo 6E Rewards XL Credit Card?
To cancel or close your Kotak IndiGo 6E Rewards XL Credit Card, you can contact Kotak Bank's customer care by calling the toll-free number 1800 4100, writing to customersupport@kotak.com, or visiting your nearest Kotak Bank branch. Before cancelling, it is advisable to redeem any accumulated 6E Reward points, as they may be forfeited upon card closure. Ensure all outstanding dues are cleared before initiating the cancellation request.
DOCUMENTSWhat documents are typically required to apply for a Kotak credit card?
While specific documentation requirements for the Kotak IndiGo 6E Rewards XL Credit Card are not listed (as it is discontinued for new applications), standard documents for Kotak credit card applications typically include identity proof (Aadhaar, PAN card, passport), address proof, recent passport-sized photographs, and income proof (salary slips, bank statements, or IT returns for self-employed individuals). For the most accurate and current documentation requirements for other Kotak cards, visit the official Kotak Bank website or contact customer care.

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