6E Rewards – Indigo Kotak Bank Credit Card – Benefits, Fees & Eligibility

Introduction

The 6E Rewards – Indigo Kotak Bank Credit Card is a co-branded travel credit card issued by Kotak Bank in partnership with Indigo Airlines. Positioned as the basic variant among Kotak's Indigo offerings, it caters to frequent flyers and individuals with significant spending on dining, groceries, and entertainment. The card comes with an annual fee of Rs. 700 + GST and offers attractive welcome benefits including complimentary air tickets, dining and stay vouchers from Accor hotels, a Budweiser gift voucher, and a 6E prime add-on. It also features an engaging reward program, allowing cardholders to earn up to 3% 6E Rewards on Indigo spends and 2% on select other categories, redeemable against Indigo flight bookings.

Welcome Benefits

• Complimentary flight ticket worth Rs. 1,500 (applicable on the Platinum variant).
• Complimentary 6E prime add-on worth Rs. 1,099 (applicable on the Platinum variant).
• Accor hotels stay/dining vouchers.
• Budweiser gift voucher.
• All welcome benefits are available after the realization of the joining fee.
• Welcome benefits are valid for six months from the date of card activation.

Fees

• Joining Fee: Rs. 700 + GST
• Annual Fee: Rs. 700 + GST
• Spend-Based Waiver: Not available; the annual fee cannot be waived off based on spending.
• Rewards Redemption Fee: Rs. 99 on every redemption request.
• Foreign Currency Markup: 3.5% on all foreign currency spends.
• Interest Rates: 3.5% per month.
• Fuel Surcharge Waiver: Not available.
• Cash Advance Charges: 2.5% on the advance amount, subject to a minimum of ₹500.

Rewards

• Reward Type: 6E Rewards.
• Indigo Spends: Earn 3 6E Rewards on every Rs. 100 spent on Indigo flights.
• Accelerated Rewards Categories: Earn 2 6E Rewards on every Rs. 100 spent on dining, groceries, and entertainment (movies) at departmental stores.
• Other Spends: Earn 1 6E Reward on every Rs. 100 spent on all other categories.
• Exclusions for Rewards: No 6E Rewards are earned on prepaid payments, wallet reloads, government, education, and rental payments.
• Travel Benefits: Exclusive saving opportunities and discount offers at Accor hotels.
• Movie & Dining: Accelerated 6E Rewards on movie and dining spends.

Rewards Redemption Guide

• Redemption Method: Earned 6E Rewards can be redeemed by logging into your 6E Rewards account.
• Redemption Value: 1 6E Reward is equivalent to Re. 1 when redeemed against Indigo flight bookings.
• Redemption Purpose: Points can be redeemed against bookings on Indigo Airlines.
• Reward Expiry: Earned 6E Rewards expire after 2 years (24 months) from the date of accrual.
• Redemption Fee: A nominal reward redemption fee of Rs. 99 is charged on every redemption request.

Card Review

The 6E Rewards – Indigo Kotak Bank Credit Card is a decent choice for individuals seeking an affordable credit card with a blend of travel and shopping benefits. It is best suited for frequent flyers who regularly travel with Indigo Airlines, as well as those who frequently spend on movies, groceries, and departmental stores, given the accelerated reward rates in these categories. The card's attractive welcome benefits, including a complimentary flight ticket and 6E prime add-on, are significant highlights. While it offers a competitive reward program and a nominal annual fee, a notable drawback is the absence of a spend-based waiver for the annual fee.

Important Product Details

• Offers complimentary flight tickets, a 6E add-on, and several other exciting welcome benefits.
• Provides up to 3 6E Rewards on your spends.
• Reward points are easily redeemable against Indigo Airlines bookings.
• The card is a co-branded offering in partnership with Indigo Airlines.

Other Details

• This card is the basic variant compared to the 6E Rewards XL – Indigo Kotak Credit Card.