Skip to main content

6E Rewards – Indigo Kotak Bank Credit Card VS IndianOil Kotak Credit Card VS Kotak 811 Credit Card VS Kotak 811 #DreamDifferent Credit Card

A detailed, side-by-side look at 4 leading credit cards. Analyze the features that matter most to you and make an informed choice.
Verified
Last updated: 18 July 2026
6E Rewards – Indigo Kotak Bank Credit Card
6E Rewards – Indigo Kotak Bank Credit Card
IndianOil Kotak Credit Card
IndianOil Kotak Credit Card
Kotak 811 Credit Card
Kotak 811 Credit Card
Kotak 811 #DreamDifferent Credit Card
Kotak 811 #DreamDifferent Credit Card

Fees & Charges

Joining Fee₹700 + GST
Joining Fee₹449 + GST
Joining Fee₹500 + GST
Joining FeeLifetime Free
Renewal Fee₹700 + GST
Renewal Fee₹449 + GST
Renewal Fee₹500 + GST
Renewal FeeLifetime Free
Spend Based WaiverNot available; the annual fee cannot be waived off based on spending.
Spend Based WaiverAnnual fee waived on annual retail spends of ₹50,000 or more in the previous anniversary year.
Spend Based WaiverAnnual fee waived on spending a minimum of Rs. 50,000 in the preceding anniversary year.
Spend Based Waiver
Foreign Transaction Fees3.5% on all foreign currency spends.
Foreign Transaction Fees3.5%.
Foreign Transaction Fees3.5% of the transaction amount.
Foreign Transaction Fees3.5% on all international transactions.
Interest Rate (APR)3.5% per month.
Interest Rate (APR)3.75% per month, equivalent to 45% per annum.
Interest Rate (APR)3.75% per month (45% annually).
Interest Rate (APR)3.75% per month (45% annually).

Rewards & Benefits

Welcome BonusAccor hotels stay/dining vouchers, Budweiser gift voucher.
Welcome BonusReceive 1000 Reward Points as a welcome benefit upon spending ₹500 or more within 30 days of card issuance.
Welcome BonusReceive 500 bonus reward points on spending a minimum of Rs. 3,000 within the first 30 days.
Welcome BonusReceive 500 bonus Reward Points on spending ₹5,000 or more within the first 45 days.
Rewards RateEarn 3% 6E Rewards on Indigo spends, 2% on dining, groceries, entertainment, and 1% on other spends.
Rewards RateEarn 24 RP on ₹150 on fuel (4% back), 12 RP on ₹150 on dining/grocery (2% back), 3 RP on ₹150 on others (0.5% back).
Rewards RateEarn 2 Reward Points for every Rs. 100 spent online and 1 Reward Point for every Rs. 100 spent offline.
Rewards RateEarn 4 RP for every ₹100 online spends; 1 RP for every ₹100 on other transactions.
Reward TypeAir Miles
Reward TypeReward Points
Reward TypeReward Points
Reward TypeReward Points
Reward Redemption FeeRs. 99 on every redemption request.
Reward Redemption FeeNil.
Reward Redemption FeeNil
Reward Redemption FeeNil

Travel & Lifestyle

Domestic Lounge Access
Domestic Lounge Access
Domestic Lounge Access
Domestic Lounge Access
International Lounge Access
International Lounge Access
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 Benefits
Travel Benefits
Travel Benefits1.8% railway surcharge waiver on irctc.co.in, 2.5% on counters (max ₹500/year).
Movie BenefitsAccelerated 6E Rewards on movie spends.
Movie Benefits
Movie BenefitsMilestone benefit offers 3 complimentary PVR tickets on spending Rs. 75,000 annually.
Movie Benefits
Dining BenefitsAccelerated 6E Rewards on dining spends; exclusive saving opportunities at Accor hotels.
Dining BenefitsEarn 12 Reward Points on every ₹150 spent on dining and grocery, equivalent to 2% back.
Dining Benefits
Dining Benefits
Golf Benefits
Golf Benefits
Golf Benefits
Golf Benefits
Fuel Surcharge WaiverNot available.
Fuel Surcharge Waiver1% fuel surcharge waiver on transactions ₹100-₹5,000 at IndianOil, capped at ₹100/statement cycle.
Fuel Surcharge Waiver1% waiver on transactions Rs. 500-4,000, capped at Rs. 3,500 per calendar year.
Fuel Surcharge Waiver1% waiver on transactions ₹500-₹4,000, max ₹3,500 per year.

Security & Other

Insurance Benefits
Insurance BenefitsPersonal accident insurance cover of ₹2 Lakhs.
Insurance BenefitsLost card cover worth Rs. 50,000 against fraudulent usage, applicable 7 days prior to reporting.
Insurance Benefits
Cash Advance Charges2.5% on the advance amount, subject to a minimum of ₹500.
Cash Advance Charges2.5% of cash withdrawn, minimum ₹500.
Cash Advance Charges2.5% of cash withdrawn (Minimum charge of Rs. 500).
Cash Advance Charges₹300 per ₹10,000 withdrawal; ₹100 processing fee; interest-free for up to 48 days.
Apply Now(opens in new tab)
Apply Now(opens in new tab)
Apply Now(opens in new tab)
Apply Now(opens in new tab)
Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

6E Rewards – Indigo Kotak Bank Credit Card

IndianOil Kotak Credit Card

Kotak 811 Credit Card

Kotak 811 #DreamDifferent 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 IndianOil Kotak Credit Card is an entry-level, co-branded fuel card ideal for individuals who frequently refuel at IndianOil outlets and are new to credit. It offers significant savings on fuel, accelerated reward points on dining and grocery spends, and a valuable welcome benefit. Cardholders can enjoy flexible reward redemption options, including cashback and direct fuel payments, along with a personal accident insurance cover. This card is perfectly positioned for maximizing everyday savings, especially on vehicle-related expenses.

Who is it for?

The Kotak 811 Credit Card is an entry-level offering from Kotak Mahindra Bank, ideal for new-to-credit individuals and young professionals. It provides a decent reward rate on online and offline spends, coupled with valuable milestone benefits like movie tickets or cashback. Key features include a fuel surcharge waiver, lost card insurance, and an annual fee waiver based on spend, making it a well-rounded choice for basic credit needs.

Who is it for?

The Kotak 811 #DreamDifferent Credit Card is a secured credit card, ideal for individuals looking to build credit history without income proof, as it's issued against a Fixed Deposit. It's lifetime free with no joining or annual fees, making it highly accessible. Cardholders enjoy attractive rewards on online spends, welcome benefits, milestone rewards, and valuable waivers on fuel and railway surcharges. This card is an excellent entry-level option for those seeking a secured card with significant benefits.

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.

Excellent for frequent IndianOil fuel users, offering significant savings and rewards.

Provides valuable welcome benefits and accelerated rewards on dining and groceries.

Offers flexible redemption options, including cashback and IndianOil XTRAREWARDS.

Includes a personal accident insurance cover and convenient 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 on fuel are capped monthly, which may limit benefits for high spenders.

Fuel surcharge waiver is capped at ₹100 per month and excludes UPI transactions.

The card does not offer any complimentary airport or railway lounge access.

A foreign currency markup of 3.5% makes international spends less attractive.

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.

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.
Apply for 6E Rewards – Indigo Kotak Bank Credit Card(opens in new tab)Apply for IndianOil Kotak Credit Card(opens in new tab)Apply for Kotak 811 Credit Card(opens in new tab)Apply for Kotak 811 #DreamDifferent Credit Card(opens in new tab)