If you hold this card: Kotak converted every 6E Rewards balance into IndiGo BluChips by 3 October 2025, with a one-time 18% bonus. Per Kotak’s own migration FAQ, 6E Rewards XL holders were moved to the IndiGo Kotak Credit Card at their existing ₹1,500 fee — not to the ₹3,000 IndiGo Kotak XL, which is a separate opt-in upgrade. Worth checking what you hold: the ₹1,500 card carries no lounge access.
Kotak retired the “Ka-ching / 6E Rewards XL” branding when IndiGo moved its loyalty currency from 6E Rewards to IndiGo BluChips. Kotak’s Key Fact Statements now list only two IndiGo cards — the IndiGo Kotak Credit Card (₹1,500) and the IndiGo Kotak XL (₹3,000) — so this listing duplicated the range and has been consolidated into the base card holders were actually migrated onto.
View the active card — IndiGo Kotak Credit Card →In-depth review
IndiGo Ka-ching Kotak 6E Rewards XL Credit Card
A retired IndiGo co-brand. While it ran it earned an accelerated rate on IndiGo bookings plus dining, movies and groceries, with 8 lounge visits a year and a welcome flight ticket. Kotak has withdrawn its product pages, so the exact rates can no longer be checked against an issuer source. Holders were moved to the IndiGo Kotak Credit Card at their existing ₹1,500 fee — not to the ₹3,000 Premium.
Read the full review →Key features
What this card is built to do — the highlights that actually matter.
6 points/₹100 on Travel (~2.52% value)
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
For frequent IndiGo flyers who book directly on IndiGo and will use the lounges and welcome ticket. The 6% IndiGo rate beats every rival; 3% on dining, movies and groceries with 2% elsewhere is a sensible everyday backup.
Full reward structure
What you earn on every rupee, per spend category — as of 24 Oct 2026. Rates assume 1 pt = ₹0.42. How we value points →
| Category | Type | Rate | Monthly cap |
|---|---|---|---|
| Travelonly at IndiGo (6E) | reward points | 2.52%6 pts/₹100 × ₹0.42 | — |
| Dining | reward points | 1.26%3 pts/₹100 × ₹0.42 | — |
| Groceries | reward points | 1.26%3 pts/₹100 × ₹0.42 | — |
| OTT & Entertainment | reward points | 1.26%3 pts/₹100 × ₹0.42 | — |
| Other | reward points | 0.84%2 pts/₹100 × ₹0.42 | — |
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 · IndiGo (6E)
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
Groceries: Accelerated rate on groceries, 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
OTT & Entertainment: Accelerated rate on movies and entertainment, 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
Other: Base rate on other retail spends, as last published before Kotak withdrew this card's pages
Earns nothing on: Education · Rent
These spends earn no rewards at all — not a reduced rate, and not the base rate. They are also normally left out of any milestone or fee-waiver calculation.
Fees & charges
The numbers that matter beyond rewards — verify on the issuer site before applying. Fees below are shown inclusive of 18% GST, as of 24 Oct 2026.
| 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.
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 Dining (1.26% back; 2.52% only at IndiGo (6E)).
Pros & cons
✓ 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
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.
Standard redemption
Brand & e-gift vouchers
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.
Frequently asked questions
Does 6% apply only to IndiGo.com bookings?
Do BluChips expire?
Can BluChips be redeemed on any IndiGo flight?
Is there a welcome bonus?
What is the annual fee?
The bottom line
This card is retired and there is nothing to apply for. While it ran, it earned fast enough on IndiGo bookings to feel like a fare discount for a weekly IndiGo flyer, and the 8 lounge visits helped justify the renewal. Holders were migrated to the IndiGo Kotak Credit Card at their existing fee. If you are choosing an IndiGo co-brand today, compare what the CARD pays rather than the advertised headline — every issuer's "up to" number bundles the same 16 BluChips per ₹100 that IndiGo itself pays for booking through its channels (12) and for Blu 1 tier status (4), which any BluChip member earns with any card. Strip those out and the premium tiers run SBI ELITE and Axis Premium at 7 per ₹100, IDFC FIRST at 6 and Kotak's XL at 5 — the same order as the headlines, but a far wider spread than 23-vs-21 suggests.
How this page was built
Counted from this card’s own record: 5 earn rules, 1 paid only at named merchants, the spends listed as earning nothing and 1 recorded perk.
Last updated 24 Oct 2026.
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 updated 24 Oct 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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