IndiGo Ka-ching Kotak 6E Rewards XL Credit Card
If you fly IndiGo, the IndiGo Ka-ching Kotak 6E Rewards XL is the single best card for it — accelerated earning on IndiGo bookings, plus dining, movies and groceries and a base rate on all other retail, 8 lounge visits a year (2/quarter) and a welcome IndiGo flight ticket. Kotak has since withdrawn this card's product pages, so the exact category rates it last published can no longer be verified against an issuer source and are not restated here. For the fly-IndiGo-weekly traveller it is effectively a fare discount. The XL variant costs ₹2,500 joining / ₹1,500 a year. The one thing to understand: IndiGo moved the reward currency from 6E Rewards to BluChips in October 2025.
View IndiGo Kotak Credit Card →
Key features
What this card is built to do — the highlights that actually matter.
2.52% on Travel
Accelerated rate on IndiGo bookings, as last published. Card-attributable rates on today's premium IndiGo co-brands run 7 per ₹100 (SBI ELITE, Axis Premium), 6 (IDFC FIRST) and 5 (Kotak XL); each issuer's "up to 23/22/21" headline adds the same 16 IndiGo pays for booking direct and Blu 1 status
1.26% on Dining
Accelerated rate on dining, as last published before Kotak withdrew this card's pages — Kotak's surviving material and the retired product page disagree on whether this tier was 3 or 4
Milestone Bonus
~₹2,500 in bonus rewards on hitting annual spend milestones
Full reward structure
| Category | Type | Rate | Monthly cap |
|---|---|---|---|
| Travel | reward points | 2.52% | — |
| Dining | reward points | 1.26% | — |
| OTT & Entertainment | reward points | 1.26% | — |
| Groceries | reward points | 1.26% | — |
| Other | reward points | 0.84% | — |
Fees & charges
| Charge | Amount |
|---|---|
| Annual fee (incl. 18% GST) | ₹1,770 |
| Joining fee (incl. 18% GST) | ₹2,950 |
| Forex markup | 3.5% |
Perks & benefits
Estimated annual value beyond rewards — ~₹2,500/yr in total.
milestone bonus ~ ₹2,500 /yr
Welcome IndiGo flight ticket plus a 6E Prime add-on — Kotak published no rupee value for either on the XL. Released after three monthly transactions in the first three calendar months (on completing the joining spend criteria)
Should you get it?
Best for: IndiGo flyers who want flight credit plus a welcome ticket, Travellers who book IndiGo regularly
Mid tier — a solid all-rounder for steady monthly spend.
Strongest value if you spend heavily on Travel ( 2.52% back).
✓ Pros
- 6% on IndiGo bookings, 3% on dining, movies and groceries, and 2% on other retail
- Welcome IndiGo ticket and 6E Prime add-on
- BluChips redeem 1:1 for IndiGo flights
✕ Cons
- Base card has no airport lounge access (the XL variant does)
- Rewards usable only on IndiGo, not as cash
- Rent, wallet, education and government spends are excluded
Eligibility & documents
Min. income
₹25,000 /mo
How to redeem rewards
Ways to convert what you earn into real value.
🎁 Redeem BluChips 1:1 for IndiGo flight bookings and 6E add-ons
What your Kotak Reward Points are worth
Realistic value per point by redemption route — the difference is what most people leave on the table.
Statement credit BEST Standard redemption
Gift voucher catalogue BEST Brand & e-gift vouchers
The concern BluChips (formerly 6E Rewards) are airline scrip that IndiGo can devalue at its discretion, and the value is concentrated in IndiGo spend — light IndiGo flyers will not justify the ₹1,500 renewal.
The bottom line
There's no application to make here anymore — the card has been discontinued. During its run, the earn rate on IndiGo bookings was strong enough to work like a standing fare discount for anyone flying the airline weekly, and the 8 annual lounge visits went a long way toward covering the renewal cost. Existing holders were shifted onto the IndiGo Kotak Credit Card and kept their original fee rather than being pushed up to the pricier ₹3,000 tier. Anyone shopping for an IndiGo co-brand card today should look past the headline number and check what the card itself actually pays — every issuer's "up to" figure folds in the same 16 BluChips per ₹100 that IndiGo hands out on its own for booking direct (12) and for holding Blu 1 status (4), benefits any BluChip member gets regardless of which card they carry. Once that's stripped away, the real card-driven rates are SBI ELITE and Axis Premium at 7 per ₹100, IDFC FIRST at 6, and Kotak's XL at 5 — the ranking matches the marketing, but the actual gap between cards is much wider than a 23-versus-21 comparison implies.
Sources & verification
Fees, reward rates, and benefits for the IndiGo Ka-ching Kotak 6E Rewards XL Credit Card are taken from Kotak Mahindra Bank 's official Most Important Terms & Conditions (MITC) and fee schedule — see the card's official page . Last verified 8 Aug 2026 . Reviewed by Devchandra Sah . Always confirm current details on the issuer's site before applying. How we research →
Independence. CardAdvisor is an independent editorial publication. We are not affiliated with, endorsed by, sponsored by, or authorised to act for Kotak Mahindra Bank . All issuer names, product names, and payment-network marks are the property of their respective owners and appear here for identification and comparison only. Card faces shown on this site are our own original illustrations — we do not display or host issuer card artwork or logos.
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