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

Introduction

The 6E Rewards XL – Indigo Kotak Bank Credit Card is a superior travel-focused credit card issued by Kotak Bank in partnership with Indigo Airlines. Positioned for frequent flyers, it offers exclusive benefits worth more than Rs. 10,000 upon joining, a high reward rate of up to 6% on Indigo spends, and up to 20% 6E Rewards on Indigo’s partner brands. Cardholders also enjoy complimentary domestic airport lounge access and a discounted convenience fee on Indigo flights. This card is noted as discontinued.

Welcome Benefits

• Complimentary flight ticket worth Rs. 3,000 from Indigo, available after completing three transactions every month for the first three months post card issuance.
• Complimentary 6E prime add-on worth Rs. 1099.
• All welcome benefits are available after the realization of the joining fee.
• Welcome benefits are valid for 6 months from the date of card activation.
• Overall welcome benefits are valued at more than Rs. 10,000.

Fees

• Joining Fee: ₹1,500 + GST
• Annual Fee: ₹1,500 + GST
• Spend-Based Waiver: Not applicable.
• Rewards Redemption Fee: Rs. 99 on every redemption request.
• Foreign Currency Markup: 3.5% on all foreign currency spends.
• Interest Rates: 3.50% per month (equivalent to 42% per annum).
• Fuel Surcharge Waiver: Not applicable.
• Cash Advance Charges: 2.5% on the advance amount, subject to a minimum of ₹500.

Rewards

• Rewards Rate:
  • 6% 6E Rewards on spends made on goindigo.in (Indigo bookings).
  • 3% 6E Rewards on spends in dining, groceries, and entertainment (movies) categories.
  • 2% 6E Rewards on all other retail spends, including fuel.
  • Up to 20% 6E Rewards on feature partners of Indigo.
  • Up to 10% 6E Rewards on Indigo’s partner brands.
• Travel Benefits:
  • 8 complimentary domestic lounge access every year.
  • Discounted convenience fee of Rs. 150 on Indigo flights.
• Exclusions:
  • No rewards are accrued on group, corporate, or agent bookings.
  • No 6E Rewards are earned on wallet reloads, rent, education, and government spends.
• Other Benefits:
  • Accelerated 6E Rewards on movie & dining spends.

Rewards Redemption Guide

• The earned 6E Rewards can be redeemed against Indigo bookings.
• Redemption value is 1 6E Reward = Re. 1.
• To redeem, cardholders must log into their 6E Rewards account.
• A fee of Rs. 99 is charged on every redemption request.
• 6E Rewards are valid for 2 years from the date of accrual and expire thereafter.

Card Review

The 6E Rewards XL – Indigo Kotak Bank Credit Card is considered a decent travel credit card, particularly well-suited for frequent travelers who are loyal to Indigo Airlines. It also offers value for individuals with regular spends on movies, dining, or groceries. The card's complimentary domestic lounge access further enhances its appeal for those who travel frequently within India.

Important Product Details

• The card is a superior version of the 6E Rewards – Indigo Kotak Credit Card.
• The card is noted as discontinued.
• Welcome benefits are valued at more than Rs. 10,000.
• Earn 6% 6E Rewards on spends on goindigo.in.
• Earn 3% 6E Rewards on dining, groceries, and entertainment.
• Earn 2% 6E Rewards on all other retail spends, including fuel.
• Up to 20% 6E Rewards on feature partners of Indigo.
• Up to 10% 6E Rewards on Indigo’s partner brands.
• 6E Rewards can be redeemed against Indigo bookings at a value of 1 6E Reward = Re. 1.
• Enjoy a discounted convenience fee of Rs. 150 on Indigo flights.
• Receive 8 complimentary domestic lounge access every year.
• Joining Fee: ₹1,500 + GST.
• Annual Fee: ₹1,500 + GST.
• Rewards Redemption Fee: Rs. 99 per redemption request.
• Foreign Currency Markup: 3.5%.
• Interest Rates: 3.50% per month (42% per annum).
• Cash Advance Charges: 2.5% of the advance amount, minimum ₹500.
• There is no spend-based waiver for the annual fee.
• There is no fuel surcharge waiver.
• The card does not provide complimentary international lounge access.
• The card does not provide complimentary golf games.
• Welcome benefits are valid for 6 months from card activation and are available after paying the joining fee.
• The complimentary flight ticket welcome benefit requires completing three transactions every month for the first three months after card issuance.
• 6E Rewards expire 2 years from the date of accrual.
• No rewards are earned on specific categories such as wallet reloads, rent, education, government spends, or on group, corporate, or agent bookings.

Other Details

• General disclaimers regarding third-party website redirection and payment processing are applicable.