Kotak Mahindra Bank
Kotak IndiGo 6E Rewards XL 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 (2 BluChip-equiv/INR100 base, 3 on preferred categories). 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 2,500 + GST
Joining feeINR 2,500 + GST
Renewal feeINR 2,500 + GST
Fee waiverAnnual fee waived on Spend INR 5,00,000+ per annum
Spend waiverSpend INR 5,00,000+ per annum
Interest rate3.75% per month (45% per annum (p.a.))
Late paymentINR 100-INR 1,500 (based on amount due)
Forex markup3.5% + GST
Cash advanceINR 199 + GST
Eligibility
Min income (salaried)INR 50,000/month
Min income (self-emp.)INR 6,00,000/year
Income requirementIncome Tax Return (ITR) > INR 10 lakh/year
Credit scoreExcellent (730 or above (CIBIL))
Age range18-65 years
Rewards & cashback
Welcome bonusFree IndiGo ticket (INR 3,000) + 6E add-ons (INR 1,099) on milestone spend
Bonus categoriesIndiGo flights (premium earning), Dining, Travel, Merchant spending
Travel & lounge
Domestic lounge12 complimentary lounge visits/year, International via Priority Pass
International loungeNo international lounge access
Lounge conditionsNo spend condition (see issuer for current terms)
Travel insuranceComprehensive travel insurance (INR 15 lakh on IndiGo)
Lifestyle
Dining benefitsPartner dining benefits, 5-10% cashback at select restaurants
Fuel surcharge1% fuel surcharge waiver (INR 500-INR 5,000, capped INR 3,500/annum)
ComplimentaryPriority lounge access, Travel insurance on IndiGo, Concierge services
Special offersExclusive IndiGo tier benefits, Birthday 6E bonuses, Premium partner access
AdditionalIndiGo mile accrual, Preferred booking, Priority boarding options
Credit limit & EMI
EMI optionsPremium SmartEMI on IndiGo & select purchases
Insurance & protection
Purchase protectionPurchase protection up to INR 1,50,000
Other insurancePersonal Accident INR 3 lakh, Air Accident INR 1 crore on IndiGo
Coverage detailsTravel: INR 15 lakh, Personal Accident: INR 3 lakh, Air Accident: INR 1 crore, Lost Card: INR 1 lakh