Kotak Mahindra Bank
6E Rewards XL – Indigo Kotak Bank Credit Card
Annual Fee
₹1,770₹1,500 + GSTBase Reward
2% points
Foreign Markup
3.5% on all foreign currency spends
Welcome Benefits
Complimentary flight ticket worth ₹3,000 and 6E add-ons worth ₹1,099
Product Highlights
- Welcome benefits worth more than ₹10,000
- Earn 6% 6E Rewards on your spends on goindigo.in
- Discounted convenience fee on Indigo flights
Category Rewards
Specialty
2.5 Mojo on online spends
0.625X
Merchant-Specific Rewards
1 pt ≈ ₹0.25–₹0.50
IndiGo
6% 6E Rewards on IndiGo flights
goindigo.in
6% 6E Rewards on IndiGo flights
Reward Calculator
Costs you ₹225/year
Break-even needs ~₹21,767/month at your reward mix.
₹19K
across all your buckets
6.2K
Mojo Points + 6E Rewards
₹1.5K
via standard · ₹0.25/pt
Effective rate
0.68%
Annual fee
₹1,770
Year 1 net
₹-225
Year 2+ net
₹-225
ongoing
Adjust your spend by reward bucket
4 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 6% 6E Rewards on Indigo bookings, 3% on dining, groceries, and entertainment, and 2% on other spends.
- 1 6E Reward = ₹1 against Indigo bookings
Benefits & Features
Domestic: 8 complimentary domestic lounge access every year International: N/A 8 complimentary domestic lounge access every year.
Pros & Cons
Pros
- Complimentary flight ticket worth ₹3,000
- 8 complimentary domestic lounge access every year
- Up to 20% 6E Rewards on feature partners of Indigo
Cons
- No complimentary international lounge access
- No rewards on group, corporate, or agent bookings
- No rewards on wallet reloads, rent, education, and government spends
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