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Credit Card /

Kotak Mahindra Credit Card /

Kotak IndiGo Ka-ching 6E Rewards XL Credit Card

Image of Kotak IndiGo 6E Rewards XL Credit Card

Kotak Mahindra Bank

Kotak IndiGo 6E Rewards XL Credit Card

Travel

Rewards

3.5/5.0

Paisabazaar Review

1^st Year Fee: ₹1,500* Plus Applicable Taxes

Travel

Co-branded benefits at IndiGo airlines

Rewards

Up to 6% value-back on all spends

Lounge Access

8 domestic visits every year

Updated on December 11, 2025 11:21 am

Author: Megha Khanna

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About The Card Features & Benefits Fees & Charges Things to Know Read Card Review FAQs

About Kotak Indigo Ka-ching 6E rewards XL Card

The Kotak IndiGo Ka-ching 6E Rewards XL Credit Card is a co-branded card for frequent travellers who prefer flying via IndiGo airlines. The card is a premium variant of the other Kotak bank card—Kotak IndiGo 6E Rewards Credit Card. It offers exclusive travel benefits such as lounge access, priority meals, baggage assistance, a 6% reward on IndiGo spends, and an IndiGo airline ticket worth Rs. 3,000 as a welcome benefit. In addition to that, it also provides cross-category benefits across dining, entertainment, and grocery. That way, the card somehow caters to the all-rounder daily needs of customers despite being a co-branded travel credit card.

Co-branded and other Benefits:

Welcome ticket worth Rs. 3,000 on card activation^1-3
E prime add-ons worth Rs. 1099 with Priority check-in, Choice of seat, Complimentary meal and Quicker baggage assistance
6% rewards on IndiGo spends
3% rewards on merchant spends including dining, entertainment, grocery
2% rewards on all other category spends^4,5
2 airport lounge access per quarter, adding up to 8 airport lounge access per year

Also Check: Best Credit Card for International Travel 2025

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Similar to Kotak Mahindra Bank, HDFC Bank also offers co-branded cards with IndiGo airlines, as 6E Rewards and premium ‘6E Rewards XL’ variants. The base and premium variants from both issuers offer largely identical benefits. To choose between these cards, you can either go with your preferred issuer—HDFC or Kotak—or you can make a value-back comparison. For instance, in comparison to the 6E Rewards XL IndiGo HDFC Bank Credit Card, the Kotak IndiGo XL offers a slightly higher return of up to 6% in comparison to the 5% offered by HDFC. However, HDFC’s premium IndiGo variant has an edge due to a comparatively lower forex markup fee of 2.5%. Thus, you must decide what benefits suit your spend types better.

Fees & Charges

Fee Type

Amount

Joining Fee

Rs. 1,500

Annual Fee

Rs. 1,500

Finance Charges

3.75% per month | 45% per annum

Foreign Currency Markup

3.5%

Late Payment Charges

For outstanding amount:
Less than Rs. 100	Nil
Rs. 100 - Rs. 500	Rs. 100
Rs. 500.01 - Rs. 5,000	Rs. 500
Rs. 5,000.01- Rs. 10,000	Rs. 600
Rs. 10,0001- Rs. 25,000	Rs. 800
Rs. 25,0001 - Rs. 50,000	Rs. 1,000
Above Rs. 50,000	Rs. 1,200

Things to Know Before you apply

Get this card if:

You are a frequent traveller

You prefer flying via IndiGo airlines

You dont’ t mind paying an annual fee of Rs. 1,500 to avail co-branded benefits

Other Similar Credit Cards:

6E Rewards XL IndiGo HDFC Bank Credit Card

Etihad Guest SBI Card

KrisFlyer SBI Card

Paisabazaar Review

Overall Rating

3.5_/5

Travel3.5_/5

Welcome Benefits4.0_/5

Co-branded Benefits3.5_/5

What do we like about this card?

The card justifies its co-branded tag via good benefits on IndiGo flights—from accelerated rewards and concierge service (via add-on) to free ticket vouchers. Additionally, it extends the accelerated rewards benefits to other lifestyle categories like dining, entertainment, and grocery.

Pros

Up to 6% reward points across different spend categories
Free IndiGo ticket & 6E Prime add-ons on joining
Complimentary domestic airport lounge access

Cons

No international travel benefits
Earned rewards can only be redeemed for IndiGo travel services
Prime Add-on benefits valid only for first year
No annual fee waiver or milestone benefits

Frequently Asked Questions

Everything you need to know about this credit card

How do I redeem my 6E reward points?

All the 6E reward points that you earn on IndiGo co-branded credit cards can be redeemed on the IndiGo website to purchase IndiGo flight tickets. You can redeem your IndiGo points without any expiry.

How do I get a Ka Ching card?

You can get the IndiGo Ka-ching 6E Rewards XL Credit Card from Kotak Bank by applying directly on the Kotak Mahindra Bank’s website, or by contacting the customer service at 1860 266 2666. Apart from that, you can also visit the nearest Kotak Mahindra Branch to get yourself the Ka Ching Card.

How much do I save on spending Rs. 1.5 Lakh in a year on merchant spends?

The card offers a 2% return as IndiGo rewards on spending across merchants (including dining, grocery and entertainment). That way, if you spend Rs. 1.5 Lakh in this category you save around Rs. 4,500 in a year.

What spends are excluded from rewards earning?

Some exclusions from the rewards program are rent, wallet, education and Government spends.

What is the 6E reward in IndiGo?

6E reward is the redemption currency offered for reward points earned on IndiGo co-branded credit cards with top banks.

What is the age limit for add-on cardholders for Kotak IndiGo Ka-ching 6E Rewards XL Credit Card?

The age limit for add-on cardholders for the Kotak Ka-Ching card is 18 years and above.

Need More Help?

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Footnotes

Complimentary IndiGo air tickets will be available for redemption towards base fare after completing three transactions every month for the first three months statement cycle.
The complimentary ticket will be credited to customer’s IndiGo membership account within 30 days of fulfilling the eligibility.
The welcome benefits will be issued subject to payment of joining fee and will not be applicable if fee is waived.
No reward points ill be offered on Utility, Education, Wallet Load, Fuel, Rent, Govt., Insurance & Online Gaming spends w.e.f. June 1, 2025.
A 1% transaction fee is applicable on all rent and education payments and on select categories exceeding monthly spend thresholds - wallet loading & online gaming exceeding cumulative spends of Rs. 10,000; utility spends exceeding Rs. 75,000 and fuel spends exceeding Rs. 50,000.

Click here to know More Terms and Conditions

Megha Khanna

Content Writer

Megha is an experienced writer with a specialization in credit cards and personal finance. With a keen eye for detail and a passion for helping readers make informed financial choices, she creates engaging content that demystifies the complexities of credit cards, from rewards and benefits to interest rates and fees.

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