Kotak Mahindra Bank IndiGo Ka-ching 6E Rewards XL credit card
Kotak Mahindra Bank× IndiGoVisaTravel

IndiGo Ka-ching 6E Rewards XL credit card

6 6E Rewards per ₹100 on IndiGo, 3 on grocery, dining and entertainment.

50
Personal score50/100● Good fit
Recurring net savings₹4,687/yrafter fee, GST and caps · bills paid in full
First-year value₹5,917incl. ₹3,000 welcome, ₹1,770 joining fee
Effective savings rate1.4%on ₹3,26,640 card spend · 6% = full marks
Annual fee (incl. GST)Waived ₹1,770waiver at ₹2,50,000 spend
Lounge access✈8 domyou can use 2 of your visits
PersonaliseOfficial page ↗

Source: Kotak Mahindra Bank – IndiGo Ka-ching 6E Rewards XL product page · last reviewed 2026-09-12

Estimates for Typical Indian cardholder (₹32k/month) example profile · bills paid in full · first-year offers shown separately.

Why it fits – and what to watch

hover any tile for the detail
₹2,851/yr3% on grocery, dining, entertainment
Waived₹1,770 fee
2/2lounge visits covered
1/1lifestyle perks matched
₹36,000earns nothing (fuel)

! Not a RuPay card – your UPI QR spends cannot go on it.

Where the money comes from

₹4,687/yr · 1.4%
3% on grocery, dining, entertainmenton ₹95,040₹2,851
Base rate 1% on other spendson ₹1,47,600₹1,476
Excluded categories (no rewards)on ₹84,000₹0
Fuel surcharge waiver₹360

UPI QR spend is left out – not a RuPay card (UPI is counted once, on RuPay cards only).

How the score of 50 is built

weights total 100% · methodology
Net savings rate24/100 × 55%13.2
Usable lounge access100/100 × 15%15.0
Redemption flexibility40/100 × 10%4.0
Lifestyle fit100/100 × 10%10.0
Simplicity60/100 × 5%3.0
Fee safety100/100 × 5%5.0

Airport lounges with this card

Open Lounge Finder →
42airports in India
50lounges you can enter
2 per quarterdomestic
Noneinternational

How you get in: issuer programme (bank / operator app). Carry the card and a same-day boarding pass; at Delhi and Hyderabad validate in the Encalm HOI app, at Adani airports in the Adani LoungeOne app.

DEL Delhi 4 lounges
  • ✈T3 Encalm Lounge (T3 Domestic) Encalm · via issuer programme (bank / operator app) verified
  • ✈T3 Plaza Premium Lounge (T3 Domestic) Plaza Premium · via issuer programme (bank / operator app) verified
  • ✈T1 Encalm Lounge (T1) Encalm · via issuer programme (bank / operator app) verified
  • ✈T2 Encalm Lounge (T2) Encalm · via issuer programme (bank / operator app) verified
BOM Mumbai 3 lounges
  • ✈T2 Adani Lounge (T2 Domestic) Adani Airports · via issuer programme (bank / operator app) verified
  • ✈T2 TFS Lounge (T2 Domestic) Travel Food Services · via issuer programme (bank / operator app) check at desk
  • ✈T1 Adani Lounge (T1) Adani Airports · via issuer programme (bank / operator app) verified
BLR Bengaluru 2 lounges
  • ✈T2 080 Domestic Lounge BIAL · via issuer programme (bank / operator app) verified
  • ✈T1 Above Ground Level Lounge (T1) Travel Food Services · via issuer programme (bank / operator app) verified
MAA Chennai 2 lounges
  • ✈T1 Travel Club Lounge (T1) Travel Food Services · via issuer programme (bank / operator app) verified
  • ✈T4 Travel Club Lounge (T4) Travel Food Services · via issuer programme (bank / operator app) check at desk
HYD Hyderabad 2 lounges
  • ✈Main Encalm Lounge (Domestic) Encalm · via issuer programme (bank / operator app) verified
  • ✈Main Plaza Premium Lounge (Domestic) Plaza Premium · via issuer programme (bank / operator app) verified
IXA Agartala 1 lounge
  • ✈Main Agartala Airport Lounge Airport partner · via issuer programme (bank / operator app) check at desk
AMD Ahmedabad 1 lounge
  • ✈T1 Adani Lounge (Domestic) Adani Airports · via issuer programme (bank / operator app) verified
ATQ Amritsar 1 lounge
  • ✈Main Bird Lounge (Domestic) Bird Group · via issuer programme (bank / operator app) check at desk
AYJ Ayodhya 1 lounge
  • ✈Main Adani Lounge (Ayodhya) Adani Airports · via issuer programme (bank / operator app) check at desk
IXB Bagdogra 1 lounge
  • ✈Main Bagdogra Airport Lounge Airport partner · via issuer programme (bank / operator app) check at desk
BHO Bhopal 1 lounge
  • ✈Main Bhopal Airport Lounge Airport partner · via issuer programme (bank / operator app) check at desk
BBI Bhubaneswar 1 lounge
  • ✈T1 Bhubaneswar Airport Lounge Airport partner · via issuer programme (bank / operator app) check at desk

+ 30 more airports in the Lounge Finder.

Card facts

💳 Base earn1%value on eligible spend
⚡ Accelerated6% 6% 6E Rewards on IndiGo3% 3% on grocery, dining,…
🚫 No rewards onfuelrentutilitiesinsuranceeducation
🏷️ Fees₹1,770/yr incl. GSTwaived on ₹2,50,000 spend · joining ₹1,500
🎁 Welcome (year 1)≈ ₹3,0003,000 6E Rewards + priority check-in
🏁 Milestonesnone
✈️ Lounge✈2/qtr dom🌏0 intl8 domestic per year
🌏 Forex markup3.5%+ GST on the markup
🔁 Redemption₹1/6E Rewards ★★☆☆☆1 6E Reward = ₹1 on IndiGo.
🧩 Simplicity★★★☆☆a few caps to track
🎯 Lifestylefuel waiver
🪪 EligibilityIncome ₹3L+/yr

At a glance

  • Best IndiGo earn rate
  • 3% everyday categories
  • Rewards spend only on IndiGo

Community Q&A on the IndiGo Ka-ching 6E Rewards XL

Threaded questions from cardholders · the Advisor can add a computed answer.

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Frequently asked questions

What is the annual fee of the Kotak Mahindra Bank IndiGo Ka-ching 6E Rewards XL?

Joining fee ₹1,500 and renewal fee ₹1,500, plus 18% GST (₹1,770 a year). The renewal fee is waived if you spend ₹2,50,000 in the card year.

Does the IndiGo Ka-ching 6E Rewards XL give airport lounge access?

8 domestic/yr. 8 domestic per year.

How much can I save with the IndiGo Ka-ching 6E Rewards XL?

For our example profile (Typical Indian cardholder (₹32k/month)) the recurring net saving is ₹4,687 a year, an effective savings rate of 1.4% after the fee. Use Find My Card to see your own number – it depends on where you spend and which caps you hit.

What are the IndiGo Ka-ching 6E Rewards XL's reward exclusions and caps?

No rewards on fuel, rent, utilities, insurance, education. No monthly caps on the main earn rates.

Sources

Reviewed 2026-09-12. Point values are our realistic estimates – see methodology.