Kotak Mahindra Bank
Kotak IndiGo 6E Rewards Credit Card
Visa / RuPayCo-branded TravelLifetime freeClosed to new applicants
IndiGo program migrated to BluChips WEF Oct-2025; this card closed to new applicants, replaced by Kotak Air. Existing holders continue on legacy 6E Rewards terms (3% IndiGo/2% dining-grocery-entertainment/1% other). No rewards on Utility, Education, Wallet Load, Fuel, Rent, Govt, Insurance & Online Gaming WEF 01-Jun-2025; 1% fee on rent/education and select categories over threshold.
Lounge accessTravel insuranceDining benefitsFuel waiver
Fees
Annual feeINR 1,000 + GST
Joining feeINR 1,000 + GST
Renewal feeINR 1,000 + GST
Fee waiverAnnual fee waived on Spend INR 2,00,000+ per annum
Spend waiverSpend INR 2,00,000+ per annum
Interest rate3.75% per month (45% per annum (p.a.))
Late paymentINR 100-INR 1,000 (based on amount due)
Forex markup3.5% + GST
Cash advanceINR 199 + GST
Eligibility
Min income (salaried)INR 20,000/month
Min income (self-emp.)INR 2,50,000/year
Income requirementIncome Tax Return (ITR) > INR 4 lakh/year
Credit scoreGood (700 or above (CIBIL))
Age range18-65 years
Rewards & cashback
Welcome bonusFree IndiGo ticket worth INR 3,000 + 6E add-ons (INR 1,099) on 3 qualifying transactions
Bonus categoriesIndiGo flight bookings (accelerated), Dining, Merchant spends, Utilities (restricted)
Travel & lounge
Domestic lounge8 complimentary lounge visits/year (Priority Pass, 2 per quarter)
International loungeNo international lounge access
Lounge conditionsNo spend condition (see issuer for current terms)
Travel insuranceTravel insurance on IndiGo flights (INR 10 lakh)
Lifestyle
Dining benefitsPartner dining discounts (2-3% on selected restaurants)
Fuel surcharge1% fuel surcharge waiver (INR 500-INR 5,000, capped INR 3,500/annum)
ComplimentaryComplimentary lounge access, Travel insurance on IndiGo, Roadside assistance
Special offersBirthday 6E bonuses, Exclusive IndiGo offers, Milestone vouchers
AdditionalIndiGo mile accrual, Exclusive flight offers, Priority booking
Credit limit & EMI
EMI optionsSmartEMI on IndiGo bookings & select purchases
Insurance & protection
Purchase protectionPurchase protection up to INR 1 lakh
Other insurancePersonal Accident INR 2 lakh (on IndiGo flights), Air Accident INR 25 lakh
Coverage detailsTravel: INR 10 lakh, Personal Accident: INR 2 lakh, Air Accident: INR 25 lakh, Lost Card: INR 50,000