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6E Rewards – Indigo Kotak Bank Credit Card VS 6E Rewards XL – Indigo Kotak Bank Credit Card

A detailed, side-by-side look at 2 leading credit cards. Analyze the features that matter most to you and make an informed choice.
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Last updated: 17 July 2026
6E Rewards – Indigo Kotak Bank Credit Card
6E Rewards – Indigo Kotak Bank Credit Card
6E Rewards XL – Indigo Kotak Bank Credit Card
6E Rewards XL – Indigo Kotak Bank Credit Card

Fees & Charges

Joining Fee₹700 + GST
Joining Fee₹1,500 + GST
Renewal Fee₹700 + GST
Renewal Fee₹1,500 + GST
Spend Based WaiverNot available; the annual fee cannot be waived off based on spending.
Spend Based Waiver
Foreign Transaction Fees3.5% on all foreign currency spends.
Foreign Transaction Fees3.5% on all foreign currency spends.
Interest Rate (APR)3.5% per month.
Interest Rate (APR)3.50% per month (equivalent to 42% per annum).

Rewards & Benefits

Welcome BonusAccor hotels stay/dining vouchers, Budweiser gift voucher.
Welcome BonusComplimentary flight ticket worth Rs. 3,000 & 6E prime add-on worth Rs. 1099, valued over Rs. 10,000.
Rewards RateEarn 3% 6E Rewards on Indigo spends, 2% on dining, groceries, entertainment, and 1% on other spends.
Rewards Rate6% 6E Rewards on Indigo, 3% on dining/groceries/movies, 2% on other retail spends.
Reward TypeAir Miles
Reward TypeReward Points
Reward Redemption FeeRs. 99 on every redemption request.
Reward Redemption FeeRs. 99 on every redemption request.

Travel & Lifestyle

Domestic Lounge Access
Domestic Lounge Access8 complimentary domestic lounge access every year.
International Lounge Access
International Lounge Access
Travel BenefitsUp to 3% 6E Rewards on Indigo flights; exclusive saving opportunities and discount offers at Accor hotels.
Travel Benefits8 complimentary domestic lounge access, discounted convenience fee of Rs. 150 on Indigo flights.
Movie BenefitsAccelerated 6E Rewards on movie spends.
Movie Benefits3% 6E Rewards on movies and entertainment spends.
Dining BenefitsAccelerated 6E Rewards on dining spends; exclusive saving opportunities at Accor hotels.
Dining Benefits3% 6E Rewards on dining spends.
Golf Benefits
Golf Benefits
Fuel Surcharge WaiverNot available.
Fuel Surcharge Waiver

Security & Other

Insurance Benefits
Insurance Benefits
Cash Advance Charges2.5% on the advance amount, subject to a minimum of ₹500.
Cash Advance Charges2.5% on the advance amount, subject to a minimum of ₹500.
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

6E Rewards – Indigo Kotak Bank Credit Card

6E Rewards XL – Indigo Kotak Bank Credit Card

Who is it for?

The 6E Rewards – Indigo Kotak Bank Credit Card is a co-branded travel card from Kotak Bank and Indigo Airlines, ideal for frequent flyers. It offers up to 3% 6E Rewards on Indigo spends and 2% on dining, groceries, and entertainment. With a nominal annual fee of Rs. 700 + GST, it provides attractive welcome benefits including Accor hotel vouchers. This card is perfect for those seeking an affordable travel card with strong rewards on everyday spending.

Who is it for?

The 6E Rewards XL – Indigo Kotak Bank Credit Card, though discontinued, was a premium travel card from Kotak Bank for frequent Indigo flyers. It offered a high reward rate of up to 6% on Indigo spends, significant welcome benefits, and complimentary domestic lounge access. Ideal for those loyal to Indigo, it also provided value on dining, groceries, and entertainment, making it a comprehensive travel and lifestyle card.

Pros

Key benefits and features.

The 6E Rewards – Indigo Kotak Bank Credit Card is ideal for frequent Indigo flyers.

Earn accelerated 6E Rewards on dining, groceries, and entertainment expenses.

Enjoy attractive welcome benefits including Accor hotel vouchers and a Budweiser gift.

Reward points are easily redeemable against Indigo flight bookings, offering great value.

Pros

Key benefits and features.

High reward rate of 6% on Indigo spends, ideal for frequent flyers.

Offers 8 complimentary domestic airport lounge accesses annually.

Welcome benefits include a Rs. 3,000 flight ticket and 6E prime add-on.

Accelerated 3% 6E Rewards on dining, groceries, and movie spends.

Discounted convenience fee of Rs. 150 on all Indigo flight bookings.

Cons

Key drawbacks and limitations.

The annual fee of Rs. 700 + GST cannot be waived off based on your spending.

A redemption fee of Rs. 99 is charged on every request to redeem 6E Rewards.

There is no fuel surcharge waiver, making fuel transactions less rewarding.

A high foreign currency markup of 3.5% applies to all international transactions.

Cons

Key drawbacks and limitations.

The 6E Rewards XL – Indigo Kotak Bank Credit Card is discontinued.

A redemption fee of Rs. 99 is charged on every reward redemption request.

High foreign currency markup of 3.5% on international transactions.

No fuel surcharge waiver or international lounge access benefits.

Welcome flight ticket requires specific monthly transaction completion.

How We Compare These Cards

Every comparison on CardsForYou is built from the same verified data set we use across the site - joining and renewal fees, reward rates, forex markup, lounge access, and insurance benefits - sourced directly from each issuer and refreshed regularly. We highlight the lower-cost option on fees automatically, but "best" always depends on your own spending pattern: a card that wins on annual fee may lose on reward rate for a heavy spender, and vice versa. Use the table above alongside your own typical monthly spend to judge real value, not just the headline numbers.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.
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