Skip to main content

6E Rewards – Indigo Kotak Bank Credit Card VS IndiGo SBI 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.
Verified
Last updated: 30 July 2026

Both 6E Rewards – Indigo Kotak Bank Credit Card and IndiGo SBI Card suit travel-focused spenders, but they earn and cost differently. 6E Rewards – Indigo Kotak Bank Credit Card costs ₹700 + GST and earns 3% 6E Rewards on Indigo spends, 2% on dining, groceries, entertainment, and 1% on other spends. IndiGo SBI Card costs ₹1,499 + GST and earns 3 IndiGo BluChips on every Rs. 100 spent on IndiGo App and Web. 2 BluChips on hotels/travel. 1 BluChip on other spends. 6E Rewards – Indigo Kotak Bank Credit Card also brings accor hotels stay/dining vouchers, Budweiser gift voucher, while IndiGo SBI Card counters with 4 complimentary Domestic Airport Lounge visits in a year. Maximum of 1 visit per quarter. If dining spending matters more, go with 6E Rewards – Indigo Kotak Bank Credit Card; if travel is the priority, IndiGo SBI Card fits better.

6E Rewards – Indigo Kotak Bank Credit Card
6E Rewards – Indigo Kotak Bank Credit Card
IndiGo SBI Card
IndiGo SBI Card

Fees & Charges

Joining Fee₹700 + GST
Joining Fee₹1,499 + GST
Renewal Fee₹700 + GST
Renewal Fee₹1,499 + 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 Fees
Interest Rate (APR)3.5% per month.
Interest Rate (APR)

Rewards & Benefits

Welcome BonusAccor hotels stay/dining vouchers, Budweiser gift voucher.
Welcome BonusGet 2,500 IndiGo BluChips Voucher after paying annual fee and first transaction within 60 days.
Rewards RateEarn 3% 6E Rewards on Indigo spends, 2% on dining, groceries, entertainment, and 1% on other spends.
Rewards Rate3 IndiGo BluChips on every Rs. 100 spent on IndiGo App and Web. 2 BluChips on hotels/travel. 1 BluChip on other spends.
Reward TypeAir Miles
Reward TypeAir Miles
Reward Redemption FeeRs. 99 on every redemption request.
Reward Redemption Fee

Travel & Lifestyle

Domestic Lounge Access
Domestic Lounge Access4 complimentary Domestic Airport Lounge visits in a year. Maximum of 1 visit per quarter.
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 BenefitsDesigned for IndiGo frequent flyers with accelerated BluChips on IndiGo & travel spends.
Movie BenefitsAccelerated 6E Rewards on movie spends.
Movie Benefits
Dining BenefitsAccelerated 6E Rewards on dining spends; exclusive saving opportunities at Accor hotels.
Dining Benefits
Golf Benefits
Golf Benefits
Fuel Surcharge WaiverNot available.
Fuel Surcharge Waiver1% fuel surcharge waiver across all petrol pumps in India. Max waiver of Rs. 200 per statement cycle.

Security & Other

Insurance Benefits
Insurance Benefits
Cash Advance Charges2.5% on the advance amount, subject to a minimum of ₹500.
Cash Advance Charges
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

IndiGo SBI 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 IndiGo SBI Card is a co-branded travel credit card tailored for frequent IndiGo flyers, offering accelerated IndiGo BluChips on airline and travel spends. Cardholders benefit from complimentary domestic airport lounge access and valuable milestone rewards in the form of IndiGo BluChips Vouchers. With a focus on travel perks, this card is ideal for individuals who regularly fly with IndiGo and seek to maximize their rewards and comfort on their journeys. It operates on the MasterCard/RuPay network, ensuring wide global acceptance for convenient transactions.

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.

Accelerated IndiGo BluChips on IndiGo and travel spends, ideal for frequent flyers.

Complimentary domestic airport lounge access, enhancing travel comfort and experience.

Generous milestone benefits with IndiGo BluChips Vouchers on reaching spend thresholds.

Nil add-on card fees, allowing family members to enjoy card benefits without extra cost.

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.

Lounge access is conditional on quarterly spends, which might be restrictive for some users.

Rewards are specific to IndiGo BluChips, limiting redemption flexibility to one airline.

Annual and renewal fees are applicable without an explicit spend-based waiver condition.

No mention of international lounge access or foreign currency markup 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 IndiGo SBI Card(opens in new tab)