6E Rewards – Indigo Kotak Bank Credit Card VS IndianOil Kotak Credit Card VS Kotak 811 Credit Card VS Kotak 811 #DreamDifferent Credit Card
Fees & Charges
Rewards & Benefits
Travel & Lifestyle
Security & Other
6E Rewards – Indigo Kotak Bank Credit Card
IndianOil Kotak Credit Card
Kotak 811 Credit Card
Kotak 811 #DreamDifferent Credit Card
Who is it for?
Who is it for?
Who is it for?
Who is it for?
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.
Significant savings on fuel at IndianOil outlets with up to 4% value back in reward points.
Accelerated reward points on daily essential spends like groceries and dining (2% value back).
Flexible reward redemption options including cashback, Kotak Rewards, and IndianOil XTRAREWARDS for fuel.
Offers a good welcome bonus of 1000 Reward Points on initial spend, covering the joining fee.
Includes valuable benefits such as ₹2 Lakhs personal accident insurance and concierge services.
Pros
Key benefits and features.
Affordable annual fee with an achievable spend-based waiver condition.
Competitive reward rate, especially on online expenditures, maximizing savings.
Valuable milestone benefits offering a choice between movie tickets or cashback.
Includes essential benefits like fuel surcharge waiver and lost card insurance.
Relatively lenient eligibility criteria, making it accessible for new users.
Pros
Key benefits and features.
Lifetime free card with no joining or annual fees, making it highly affordable.
Excellent for building credit history, issued against FD without income proof.
Attractive rewards on online purchases and valuable waivers on fuel and railway.
Offers welcome benefits and milestone rewards, enhancing overall card value.
Provides interest-free cash withdrawals for up to 48 days, a rare benefit.
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.
Reward points for fuel, dining, and groceries are subject to monthly maximum earning caps.
The card does not provide any complimentary airport or railway lounge access benefits.
Fuel surcharge waiver is not applicable on UPI transactions, limiting savings for some users.
High foreign currency markup of 3.5% makes it less ideal for international spending.
Welcome benefits are only applicable to cardholders who pay the initial joining fee.
Cons
Key drawbacks and limitations.
Not a lifetime free card, though the annual fee can be waived with spend.
Does not offer complimentary airport lounge access, domestic or international.
Reward point exclusions and milestone calculation changes effective June 2025.
Cons
Key drawbacks and limitations.
Requires a minimum Fixed Deposit of ₹10,000, which might be a barrier.
Foreign currency markup of 3.5% is relatively high for international transactions.
High interest rate of 45% annually if card balances are not paid in full.
Reward points are not earned on fuel, railway, and cash withdrawal transactions.
Maximum fuel and railway surcharge waivers are capped annually, limiting benefits.