Kotak Mahindra Bank
6E Rewards – IndiGo Kotak Bank Credit Card
Annual Fee
₹885₹750 + GSTBase Reward
1% points
Foreign Markup
3.5% on all foreign currency spends
Welcome Benefits
Complimentary flight ticket and 6E add-on, Accor hotels stay/dining vouchers, and a Budweiser gift voucher.
Product Highlights
- Complimentary flight tickets
- 6E add-on
- Exciting welcome benefits
Category Rewards
dining
6E Rewards on dining, grocery, entertainment
2X
grocery
6E Rewards on dining, grocery, entertainment
2X
entertainment
6E Rewards on dining, grocery, entertainment
2X
Fee Waiver
Not applicable
Merchant-Specific Rewards
1 pt ≈ ₹0.25–₹0.50
IndiGo
6E Rewards on IndiGo flight bookings
goindigo.in
6E Rewards on IndiGo flight bookings
Reward Calculator
Earns ₹2,835/year (net)
Modest gain. Solid hold if you like the perks.
₹16K
across all your buckets
3.7K
6E Rewards
₹3.7K
via standard
Effective rate
1.94%
Annual fee
₹885
Year 1 net
+₹2,835
Year 2+ net
+₹2,835
ongoing
Adjust your spend by reward bucket
3 bucketsSurcharges & Exclusions
Watch-outs that quietly erode your effective rewards. Categories listed as “excluded” earn 0% even if the merchant looks normal.
Foreign exchange markup
3.5%Charged on every international (non-INR) transaction
Excluded from rewards
fuel, cash advance, rent, wallet, emi, government, education
Fuel surcharge waiver (good news)
1%on ₹400–₹4,000 fuel txns · capped at ₹3,500/cycle
Surcharges are typically charged 1 cycle after the transaction and may include GST. Always confirm with the bank's most recent T&C.
Rewards Details
Earn 3 6E Rewards on Indigo flights, 2 6E Rewards on dining, groceries, and entertainment spends, and 1 6E Reward on other spends.
- 1 6E Reward = ₹1 against Indigo flight bookings.
Benefits & Features
Exclusive saving opportunities and discount offers at Accor hotels.
Pros & Cons
Pros
- Up to 3 6E Rewards on Indigo flights
- 2% 6E Rewards on dining, groceries, and entertainment
Cons
- No annual fee waiver
- No rewards on prepaid payments, wallet reloads, government, education, and rental payments
Additional Info
Excluded Categories
Partner Merchants
Ready to apply?
Apply directly on the bank's official website. Quick approval, no hidden steps.
Apply NowOfficial bank website · Secure
Fees & Charges
Eligibility
Networks
Fee Waiver
Not applicable