Meet these thresholds and you're likely to be approved. Final call is Kotak Mahindra Bank's.
We've modeled this card's value for a default urban spender. Tweak the persona to see how it shifts — or personalize with your real spends.
Base rate, accelerated categories, milestones, and what each reward point is actually worth when you redeem.
Plays grounded in this card's specific levers. Updated each time Kotak Mahindra Bank tweaks the program.
New applications are closed, but if you're an existing cardholder, ₹2.25 lakh annual retail spend waives the ₹1,770 GST-inclusive annual fee. Base 2% earn on all spend (including fuel) makes this an easy threshold for active users.
Flight bookings, groceries, dining, and entertainment earn 3 6E Rewards per ₹100 — a 3% effective rate. Every ₹100 earns ₹3 toward IndiGo tickets at 1:1 redemption value.
Each 6E Reward is worth ₹1 when redeemed on IndiGo flights (minimum 100 points) with a discounted ₹150 convenience fee instead of standard rates. Partner-brand redemptions also hold 1:1 value — there's no lower-value trap here.
Forex markup is 3.5% plus no international lounge access. Every ₹10,000 foreign transaction costs ₹350 in fees, erasing all reward value. Use a 0%-markup card (e.g., Mayura) for international spend and keep this card domestic.
As of June 2025, utility payments, education fees, wallet loads, and online gaming no longer earn any rewards. Shift these to another card — the 2% you expect on them is gone, and holding ₹2.25L spend for fee waiver gets harder if you don't plan around the exclusions.
Fees, transaction charges, interest rates — all inclusive of taxes where noted.
Charges below are base amounts; GST applies where applicable.
Non-reward perks — lounges, dining, golf, insurance, concierge. Worth factoring into the total value, even when hard to price.
8 domestic visits per year. Primary cardholder.
Air accident cover, lost-card liability, emergency card replacement abroad.
No — Kotak discontinued new applications for the IndiGo 6E Rewards XL Credit Card in 2024. Existing cardholders retain legacy benefits subject to June 2025 category exclusions. New IndiGo-focused applicants should look at the HDFC IndiGo 6E XL or HDFC IndiGo 6E Reward instead.
Last verified 2026-04. Sources: Issuer website, CardExpert, PaisaBazaar. Next scheduled review: 6 months from last update.
