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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.

Features

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
₹1,500 + GST
Renewal Fee
₹700 + GST
₹1,500 + GST
Spend Based Waiver
Not available.
Not Applicable
Foreign Transaction Fees
3.5% on all foreign currency spends.
3.5% on all foreign currency spends.
Interest Rate (APR)
3.5% per month.
3.50% per month (42% per annum).

Rewards & Benefits

Welcome Bonus
Welcome ticket voucher worth ₹1,500, 6E Prime Add-on, Accor hotels & Budweiser vouchers.
Complimentary flight ticket voucher worth ₹3,000 and 6E Prime Add-ons worth ₹1,099.
Rewards Rate
Upto 3 6E Rewards per ₹100 on IndiGo, 2 6E Rewards on Dining/Groceries/Entertainment.
Earn 6% on IndiGo, 3% on dining/grocery/entertainment, 2% on other spends. Up to 20% with partners.
Reward Type
Reward Points
Reward Points
Reward Redemption Fee
₹99 on every redemption request.
₹99 on every redemption request.

Travel & Lifestyle

Domestic Lounge Access
Not Applicable
Enjoy 8 complimentary domestic airport lounge accesses per year, limited to 2 accesses per calendar quarter.
International Lounge Access
Not Applicable
Not Applicable
Travel Benefits
Complimentary flight ticket, 6E Prime add-ons, & accelerated rewards on IndiGo bookings.
Discounted convenience fee of ₹150 on IndiGo flights and other travel benefits.
Movie Benefits
Earn 2 6E Rewards per ₹100 on entertainment, including movies.
Earn 3 6E Reward points on entertainment spends.
Dining Benefits
Earn 2 6E Rewards per ₹100 on dining expenses.
Earn 3 6E Reward points on dining spends.
Golf Benefits
Not Applicable
Not Applicable
Fuel Surcharge Waiver
Not applicable.
Not Applicable

Security & Other

Insurance Benefits
Not Applicable
Not Applicable
Cash Advance Charges
2.5% on advance amount, minimum ₹500.
2.5% on the advance amount, subject to a minimum of ₹500.
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 Kotak IndiGo 6E Rewards Credit Card was a co-branded card offering travel perks, including discounted IndiGo bookings and complimentary flight tickets. It provided accelerated rewards on IndiGo transactions and everyday spending like dining and groceries. Although discontinued, it was well-suited for frequent IndiGo flyers seeking an entry-level travel card with straightforward redemption options.

Who is it for?

The Kotak IndiGo 6E Rewards XL Credit Card was a premium travel-focused card designed for frequent IndiGo flyers. It offered significant welcome benefits, including a flight voucher and 6E Prime add-ons, alongside accelerated rewards of up to 6% on IndiGo bookings and 3% on dining. Cardholders also enjoyed 8 complimentary domestic lounge accesses annually. Although a strong offering for its target audience, this card has been officially discontinued.

Pros

Key benefits and features.

Offers valuable welcome benefits including a flight ticket and 6E Prime add-ons.

Accelerated rewards on IndiGo bookings, dining, groceries, and entertainment.

Affordable entry-level travel card with a nominal annual fee for budget travelers.

Easy and straightforward redemption of earned 6E Rewards for IndiGo flights.

Pros

Key benefits and features.

Provided substantial welcome benefits, including a ₹3,000 flight voucher and 6E Prime add-ons.

Offered excellent reward rates with 6% on IndiGo bookings and 3% on dining & entertainment.

Included 8 complimentary domestic airport lounge accesses yearly, great for frequent flyers.

Ideal for loyal IndiGo customers, offering exclusive discounts and accelerated rewards.

Cons

Key drawbacks and limitations.

The card has been discontinued, so new applicants cannot avail its benefits.

Lacks premium travel benefits such as complimentary airport lounge access or golf perks.

No annual fee waiver based on spending, making the recurring fee mandatory.

Rewards are not earned on key categories like rent, utilities, and insurance payments.

Cons

Key drawbacks and limitations.

The Kotak IndiGo 6E Rewards XL Credit Card is officially discontinued, limiting accessibility.

High foreign currency markup of 3.5% makes international spends less rewarding for cardholders.

Exclusions for 6E Rewards on rent, wallet reloads, education, and government transactions.

Does not offer any complimentary international lounge access, limiting global travel perks.

Relatively high interest rate of 3.50% per month can be a drawback for outstanding balances.

Ready to Choose?

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