CardAgent
Verified by CardAgent admin · last checked 08 Jul 2026
Kotak Mahindra Bank

Kotak Indigo Ka-ching 6E Rewards Credit Card

38
Ranked #49 of 170 in credit
creditVisaPremium-Travel-Cobrand

Kotak's co-branded IndiGo card (base "Ka-ching 6E Rewards" tier, distinct from the higher "XL" variant) offering never-expiring points redeemable for IndiGo flights, lounge access, and IndiGo Prime travel perks.

Score breakdown

Data completeness: 95% · Last verified: 09 Jul 2026

Reward value27/100 · weight 71%
≈ 1.34% effective on the standard basket (eligible spend only)
Wide-coverage rewards: +0.6% score bonus — earns broadly without narrow category restrictions.
No rewards on: government, education. Reward score is scaled by ×(1 − 0.5%), proportional to how much of the standard basket falls in these excluded categories (v4 formula, capped at −5%). Tip: pair with a card that covers these.
Fee efficiency87/100 · weight 12%
Redemption flexibility75/100 · weight 9%
Perks27/100 · weight 9%

Fees

All fees shown base + 18% GST (India card fees legally attract GST).

Joining fee
₹1,500 + 18% GST
= ₹1,770 total
Annual fee
₹1,500 + 18% GST
= ₹1,770 / year total
Waiver: Not detailed in current sources; verify at MITC
Forex markup
3.5%

Lounge access

Domestic (per year)
8
International (per year)
0

Reward structure

CategoryTypeRateCapNotes
travelpoints2.50%(2.5 pts @ ₹1.00)——
online_spendspoints2.00%(2 pts @ ₹1.00)——
diningpoints2.00%(2 pts @ ₹1.00)——
fuelpoints1.00%(1 pts @ ₹1.00)——
groceriespoints1.00%(1 pts @ ₹1.00)——
all_spendspoints1.00%(1 pts @ ₹1.00)—Base rate, verify exact figure at application

Welcome offer

Welcome benefits (valid 6 months) for primary members only, on annual fee payment; complimentary IndiGo flight ticket after 3 monthly transactions in first 3 calendar months

Milestone benefits

Pros

  • Never-expiring 6E Rewards points
  • direct IndiGo flight redemption
  • 8 domestic lounge visits/year (twice/quarter)
  • 6E Prime add-ons

Cons

  • Zero rewards on rent/wallet/government/education
  • also has an "XL" variant with double benefits at a different fee — verify which specific SKU applies at application

What's inside

More benefits

  • 6E Prime add-ons

    Priority dining, luggage assistance, and other IndiGo Prime travel benefits

    unlimited. IndiGo flight bookings

Insurance cover

text
₹NaN

Eligibility

text
Age 21-65; income ~Rs3L+ p.a. indicative

Small print

Fuel surcharge:Not a highlighted benefit