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

Kotak IndiGo 6E Rewards XL Credit Card (Discontinued)

The Kotak IndiGo 6E Rewards XL Credit Card is a premium travel-focused credit card offered by Kotak Mahindra Bank in partnership with IndiGo Airlines. Positioned as a superior version to the standard 6E Rewards card, it aims to provide enhanced benefits for frequent IndiGo flyers. Cardholders can unlock welcome benefits valued at over ₹10,000 upon meeting specific conditions, including a complimentary flight ticket and exclusive IndiGo add-ons. The card features an attractive reward program, allowing users to earn up to 6% 6E Rewards on IndiGo bookings and accelerated rewards on other spending categories like dining and entertainment. Additionally, it offers complimentary domestic airport lounge access, making it a valuable option for domestic travelers. Please note, this card is now discontinued.

Welcome Benefits

• Complimentary flight ticket voucher worth ₹3,000.
• 6E Prime Add-on benefits worth ₹1,099, which include a complimentary meal, quick baggage access, choice of seats, and assistance.
• Welcome benefits are issued upon the completion of at least three (3) transactions in each of the first three statement cycles and after the payment 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 eligibility and notification will be sent via SMS and e-mail.
• The complimentary flight ticket can be redeemed exclusively via the IndiGo website or mobile application for flight bookings.
• Welcome benefits are valid for 6 months from the date of card activation.
• An example of eligibility criteria for the welcome ticket: if the card is issued on July 23, 2024, and the statement is generated on the 20th of every month, three transactions of any amount would be required during the statement cycles from July 23 to August 19, August 20 to September 19, and September 20 to October 19.

Fees

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

Rewards

• IndiGo Transactions: Earn 6 6E Reward points for every ₹100 spent on IndiGo bookings (unlimited 6% 6E Rewards on all flight reservations).
• Dining, Grocery, Entertainment: Earn 3 6E Reward points for every ₹100 spent.
• All Other Spends: Earn 2 6E Reward points for every ₹100 spent, including fuel.
• IndiGo Partner Brands: Earn up to 20% 6E Rewards on spends with IndiGo’s partner brands.
• Lounge Access: Enjoy 8 complimentary domestic airport lounge accesses per year, limited to 2 accesses per calendar quarter.
• Discounted Convenience Fee: Avail a discounted convenience fee of ₹150 on IndiGo flights when using the card.

Reward Exclusions

• No 6E Rewards are earned on group, corporate, SME, and agent bookings made through the IndiGo Website/App.
• Spends on rent, wallet reloads, education, and government transactions are not eligible for earning 6E Rewards (specific MCC Codes: 6513, 6540, 8211, 8220, 8241, 8244, 8249, 8299, 9211, 9222, 9311, 9399, 9402, 9405, 9950 are excluded).

Rewards Redemption Guide

• Earned 6E Rewards can be redeemed by logging into your 6E Rewards account.
• 6E Rewards can be redeemed against IndiGo flight bookings.
• The redemption value is 1 6E Reward = ₹1.
• A rewards redemption fee of ₹99 is applicable on every redemption request.
• 6E Rewards are valid for 24 months (2 years) from the date of accrual and expire thereafter.
• The welcome flight ticket can be redeemed exclusively via the IndiGo website or mobile application.

Card Review

The Kotak IndiGo 6E Rewards XL Credit Card was a strong offering for individuals who frequently fly with IndiGo Airlines. Its comprehensive welcome benefits, including a ₹3,000 flight voucher and ₹1,099 worth of 6E Prime add-ons, provided significant upfront value. The accelerated reward rates, especially 6% on IndiGo bookings and 3% on dining, groceries, and entertainment, made it highly rewarding for a specific spending pattern. The inclusion of 8 complimentary domestic lounge accesses annually further enhanced its appeal for domestic travelers. However, the card has now been discontinued, meaning new applications are no longer accepted. For those who already hold the card, it remains a decent travel card, particularly if they are loyal to IndiGo and frequently utilize its services. The high interest rates and foreign currency markup are standard for many cards but important to note. Overall, it was a valuable card for frequent domestic flyers committed to IndiGo, but its discontinued status limits its future accessibility.

Important Product Details

• Card Name: Kotak IndiGo 6E Rewards XL Credit Card (Discontinued)
• Superior version of the 6E Rewards - IndiGo Kotak Credit Card.
• Welcome benefits are valued at more than ₹10,000.
• Includes a welcome flight ticket worth ₹3,000 and 6E Prime add-ons worth ₹1,099.
• Welcome benefits are conditional on specific transaction requirements and payment of joining fee.
• Offers 8 complimentary domestic airport lounge accesses per year (2 per quarter).
• Provides a discounted convenience fee of ₹150 on IndiGo flights.
• Reward Earning Rates:
  • 6% 6E Rewards on IndiGo transactions.
  • 3% 6E Rewards on dining, groceries, and entertainment spends.
  • 2% 6E Rewards on all other spends, including fuel.
  • Up to 20% 6E Rewards on IndiGo’s partner brands.
• Reward Exclusions: No 6E Rewards on rent, wallet reloads, education, government spends, or on group, corporate, SME, and agent IndiGo bookings.
• Reward Redemption Value: 1 6E Reward = ₹1 against IndiGo bookings.
• Reward Validity: 6E Rewards are valid for 24 months from the date of accrual.
• Joining Fee: ₹1,500 + GST.
• Renewal Fee: ₹1,500 + GST.
• Rewards Redemption Fee: ₹99 per request.
• Foreign Currency Markup: 3.5%.
• Interest Rate: 3.50% per month (42% per annum).
• Cash Advance Charges: 2.5% of the advance amount, minimum ₹500.
• Does not offer complimentary international lounge access.
• Does not offer complimentary golf games or specific insurance benefits as part of the rewards structure.

Other Details

• This card has been officially discontinued.
• Links are available to view the list of participating domestic lounges and applicable terms and conditions for Lounge Access.