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

Kotak IndiGo 6E Rewards Credit Card (Discontinued)

The Kotak IndiGo 6E Rewards Credit Card, issued in collaboration with IndiGo Airlines, was designed to transform everyday spending into exciting travel perks. This basic variant of the co-branded travel credit card offered cardholders a variety of benefits, including discounted IndiGo bookings, complimentary flight tickets, and exclusive 6E Prime add-ons, making it a decent choice for frequent flyers and those who regularly spend on dining, groceries, and entertainment. Although the card is now discontinued, its reward structure allowed users to earn valuable 6E Rewards that could be redeemed for future IndiGo flights.

Welcome Benefits

• Welcome ticket voucher worth ₹1,500.
• 6E Prime Add-on worth ₹1,099, which includes:
  • Priority check-in.
  • Choice of seats.
  • Complimentary meals.
  • Assistance at the airport.
• Accor hotels stay/dining vouchers.
• Budweiser gift vouchers.

Welcome Benefit Terms and Conditions

• Welcome Ticket and 6E Prime Add-ons are valid for 6 months from the date of issue.
• Welcome benefits are issued upon the completion of at least three (3) transactions in each of the first 3 statement cycles and upon the realization of the Joining Fee.
• Customers whose Joining Fee is waived are ineligible for the Welcome Ticket and 6E Prime Benefits.
• The welcome benefit will be credited to your IndiGo membership account within 60 days of meeting the eligibility criteria.
• Notification of credit will be sent via SMS and e-mail.
• The welcome ticket can only be redeemed for flight bookings made via the IndiGo website or mobile app.

Fees

• Joining Fee: ₹700 + GST
• Renewal Fee: ₹700 + GST
• Spend-Based Waiver: Not available.
• Rewards Redemption Fee: ₹99 on every redemption request.
• Foreign Currency Markup: 3.5% on all foreign currency spends.
• Interest Rates: 3.5% per month.
• Fuel Surcharge: Not applicable.
• Cash Advance Charges: 2.5% on the advance amount, subject to a minimum of ₹500.

Rewards

The card offers a structured reward program with accelerated earnings on specific categories:

• IndiGo Transactions: Earn 3 6E Rewards for every ₹100 spent on IndiGo flights and bookings.
• Dining, Groceries, Entertainment: Earn 2 6E Rewards for every ₹100 spent in these categories (including movies and departmental stores).
• All Other Spends: Earn 1 6E Reward for every ₹100 spent on other retail transactions.

Reward Exclusions

• Reward points are not earned on rent, wallet loads, education, government, utility, insurance, and online skill-based gaming spends.
• MCC Codes 5816, 4900, 4814, 4812, 4899, 6399, 6381, 6300, 5960, 9223, 9405, 9402, 9399, 9311, 9222, 8299, 8249, 8244, 8241, 8220, 8211, 6540, 6513 are excluded from earning reward points.

Rewards Redemption Guide

• The earned 6E Rewards can be redeemed by logging into your dedicated 6E Rewards account.
• Reward points can be redeemed against IndiGo flight bookings.
• Redemption Value: 1 6E Reward = ₹1.
• Expiry: Earned 6E Rewards are valid for 24 months from the date of accrual.
• A nominal reward redemption fee of ₹99 is charged on every redemption request.

Card Review

The Kotak IndiGo 6E Rewards Credit Card (Discontinued) was designed as an affordable travel and lifestyle credit card, particularly appealing to frequent IndiGo flyers. Its strong welcome benefits, including a complimentary flight ticket and 6E Prime add-ons, were significant attractions, especially given the nominal annual fee. The accelerated reward rates on IndiGo bookings (3%) and everyday spending categories like dining, groceries, and entertainment (2%) provided good savings opportunities for users. While it lacked premium travel perks like lounge access or golf benefits, its core value proposition for budget-conscious travelers and those looking for straightforward reward point accumulation on daily expenses made it a decent choice. The card was well-suited for individuals seeking an entry-level co-branded travel card with easy redemption options for IndiGo flights.

Important Product Details

• Get complimentary flight tickets, a 6E add-on, and several other exciting welcome benefits.
• Earn up to 3 6E Rewards on your spends.
• Reward points are easily redeemable against IndiGo Airlines bookings.
• The card provides exclusive saving opportunities and discount offers at Accor hotels.
• The card did not offer any spend-based annual fee waiver.
• No reward points are earned on certain categories like rent, wallet loads, education, government, utility, and insurance payments.

Other Details

• This card is the basic variant in the Kotak-IndiGo co-branded credit card series, with the 6E Rewards XL being the superior option.
• Changes to reward point eligibility for certain MCC codes are effective from June 1, 2025.