The Kotak IndiGo 6E Rewards XL Credit Card is a co-branded travel credit card designed for frequent flyers, especially those who prefer traveling with IndiGo. This card offers substantial rewards on travel-related expenses and various lifestyle benefits, including lounge access and golf privileges. Here, we explore the key features and benefits of the Kotak IndiGo 6E Rewards XL Credit Card to help you determine if it suits your travel and lifestyle needs.
Overview
| Feature | Details |
|---|---|
| Card Type | Travel Credit Card |
| Reward Rate | Up to 6% on IndiGo spends, 3% on dining, groceries, and entertainment |
| Reward Value | 1 6E Reward Point = ₹1 |
| Annual Fee | ₹2,500 + GST |
| Unique Selling Points | Complimentary IndiGo air ticket, lounge access, and golf benefits |
| Rating (out of 5) | 4.6 |
Welcome Benefits for Kotak IndiGo 6E Rewards XL Credit Card
| Welcome Benefit | Details |
|---|---|
| Complimentary Air Ticket | Worth ₹3,000 on card activation |
| Additional Benefits | Free 6E Prime Add-on, Accor Hotels Stay and Dining Vouchers |
Charges for Kotak IndiGo 6E Rewards XL Credit Card
| Fee Type | Details |
|---|---|
| Joining Fee | ₹1,500 + GST (Limited-time offer) |
| Renewal Fee | ₹2,500 + GST |
| Finance Charges | 3.7% per month (44.4% per annum) |
| Late Payment Fee | ₹100 to ₹1,300 based on the outstanding balance |
| Foreign Transaction Fee | 3.5% + GST |
| Rent Payment | 1% fee using third-party apps like CRED, Paytm |
| Education | 1% fee using third-party apps |
| Utilities | No additional charges |
Benefits of Kotak IndiGo 6E Rewards XL Credit Card
The Kotak IndiGo 6E Rewards XL Credit Card offers a variety of premium benefits:
- Travel Benefits: Discounted convenience fee of ₹150 on IndiGo bookings, complimentary air ticket, and access to 8 domestic airport lounges annually.
- Dining and Entertainment: Up to 6% reward rate on spends at partner restaurants, hotels, and other entertainment venues.
- Golf Benefits: 12 complimentary golf lessons and 4 rounds of green fees annually.
- Insurance Coverage: Not specified.
Rewards from Kotak IndiGo 6E Rewards XL Credit Card
| Spend Category | Reward Rate |
|---|---|
| IndiGo Spends | 6% on IndiGo flight bookings |
| Dining, Entertainment, Groceries | 3% on dining, entertainment, and groceries |
| Other Spends (including fuel) | 2% on other spends |
| Reward Value | 1 6E Reward Point = ₹1 |
| Rewards Expire in | 2 years |
Milestone Benefits of Kotak IndiGo 6E Rewards XL Credit Card
| Spending Milestone | Reward Earned |
|---|---|
| Specific milestones not mentioned, but ongoing rewards provide significant value on spends |
Redemption of Kotak IndiGo 6E Rewards XL Credit Card Points
Cardholders can redeem their 6E Reward Points primarily for:
- IndiGo Flights: Use points to book IndiGo flights via the official website or mobile app.
- Hotel and Dining: Accor Hotels vouchers and dining vouchers.
Gift Vouchers Available
| Category | Brands |
|---|---|
| Shopping | Myntra, Amazon, Pantaloons, Levi’s, Lifestyle, Shoppers Stop |
| Electronics | Croma |
| OTA | MakeMyTrip, EaseMyTrip |
| Hotels | Accor Hotels |
| Cabs | Uber, Ola |
| Airline | IndiGo |
| Luxury Brands | Not specified |
| Merchandise | Apple, Samsung |
Airport Lounge Access with Kotak IndiGo 6E Rewards XL Credit Card
| Access Type | Details |
|---|---|
| Domestic Lounges | 8 complimentary visits per year |
| International Lounges | Not available |
| Add-on Cardholder Benefits | Same benefits as primary cardholder |
Airport Transfers with Kotak IndiGo 6E Rewards XL Credit Card
The Kotak IndiGo 6E Rewards XL Credit Card does not offer specific airport transfer benefits.
Forex Markup Fee for Kotak IndiGo 6E Rewards XL Credit Card
| Fee Type | Details |
|---|---|
| Forex Markup Fee | 3.5% + GST on all international transactions |
Eligibility for Kotak IndiGo 6E Rewards XL Credit Card
To apply for the Kotak IndiGo 6E Rewards XL Credit Card, applicants must meet the following criteria:
- Age: 18 years and above
- Income: Minimum income requirement varies by applicant type (salaried or self-employed)
- Documents Required: Aadhar Card, PAN Card, proof of income (latest bank statements/salary slips, ITR), and residence proof (utility bills, passport, driving license, etc.)
How to Apply
Applying for the Kotak IndiGo 6E Rewards XL Credit Card is straightforward:
- Online Application:
- Visit the Kotak Bank website.
- Click on the “Apply Now” button and fill out the required personal and financial information.
- Submit the necessary documents online as per the instructions.
- Offline Application:
- Visit the nearest Kotak Bank branch.
- Request an application form for the Kotak IndiGo 6E Rewards XL Credit Card.
- Fill out the form with accurate details and attach the required documents.
- Submit the form at the branch and await approval.
Card Review: Kotak IndiGo 6E Rewards XL Credit Card
The Kotak IndiGo 6E Rewards XL Credit Card is an excellent option for frequent travelers who prefer flying with IndiGo. With high reward rates on travel, dining, and entertainment, alongside additional perks like lounge access and golf benefits, this card provides substantial value for those who regularly book flights and indulge in premium experiences.
Rating: 4.6
- Overall Rating: 4.6
- Benefits: 4.7
- Fees: 4.3
- Customer Service: 4.5
Pros and Cons of Kotak IndiGo 6E Rewards XL Credit Card
Advantages of the Credit Card:
- High reward rates on IndiGo spends and partner categories.
- Complimentary air ticket and lounge access.
- Golf benefits and other lifestyle privileges.
Potential Drawbacks:
- High foreign transaction fee of 3.5%.
- Limited to domestic lounge access.
Similar Cards to Kotak IndiGo 6E Rewards XL
| Feature | Kotak IndiGo 6E Rewards XL Credit Card | HDFC Bank Diners ClubMiles Credit Card | Axis Bank Magnus Credit Card | Citi PremierMiles Credit Card |
|---|---|---|---|---|
| Annual Fee | ₹2,500 + GST | ₹10,000 + GST | ₹10,000 + GST | ₹3,000 + GST |
| Lounge Access | 8 domestic lounge visits | Unlimited lounge access | Unlimited lounge access | 8 domestic, 2 international |
| Reward Rate | Up to 6% on IndiGo spends | 10x points on select categories | 12 EDGE points per ₹200 spent | Up to 10 Miles per ₹100 spent |
| Reward Value | 1 point = ₹1 | 1 point = ₹0.50 | 1 point = ₹0.20 | 1 point = ₹0.45 |
| Special Benefits | IndiGo flight rewards, golf benefits | Travel, dining, insurance | Travel vouchers, dining discounts | PremierMiles for all travel |
Relevant Links
To help our readers navigate our website and find additional relevant content, here are some internal links you might find useful:
- Best Travel Credit Cards in India
- Top 10 Best Premium Credit Cards in India
- How to Maximize Credit Card Rewards
- Kotak Mahindra Bank Credit Cards Overview
For more detailed information about Kotak Mahindra Bank credit cards and other financial products, you can visit the official Kotak Mahindra Bank website.
FAQ
Q: What is the annual fee for the Kotak IndiGo 6E Rewards XL Credit Card? A: The annual fee for the Kotak IndiGo 6E Rewards XL Credit Card is ₹2,500 + GST, with a limited-time joining fee offer of ₹1,500 + GST.
Q: How can I earn 6E Reward Points with the Kotak IndiGo 6E Rewards XL Credit Card? A: You can earn up to 6% 6E Reward Points on IndiGo flight bookings, 3% on dining, entertainment, and groceries, and 2% on other spends, including fuel.
Q: Does the Kotak IndiGo 6E Rewards XL Credit Card offer lounge access? A: Yes, the card provides 8 complimentary domestic lounge visits per year.
Q: What is the forex markup fee for international transactions? A: The forex markup fee for international transactions is 3.5% + GST.
Q: Are there any milestone benefits with the Kotak IndiGo 6E Rewards XL Credit Card? A: While specific milestone benefits are not mentioned, the ongoing rewards structure offers significant value on various spending categories.
Q: How do I apply for the Kotak IndiGo 6E Rewards XL Credit Card? A: You can apply online through the Kotak Bank website or offline by visiting the nearest Kotak Bank branch.
