6E Rewards XL – Indigo Kotak Bank Credit Card vs 6E Rewards XL – IndiGo HDFC Bank Credit Card

Having a Credit Card that offers great benefits in travel like flight bookings, and complimentary access to airport lounges is really helpful and worth having for someone who travels frequently. Indigo Airlines, India’s largest airline network, has partnered with the two largest Credit Card issuers in India, HDFC Bank, and Kotak Bank, and offers four credit cards with such great travel benefits. The Kotak Bank issues 6E Rewards XL – Indigo Kotak Bank Credit Card that offers great benefits in travel and offers on Indigo flight bookings. With this card, you get up to 6% 6E Rewards on your spends including dining, movies, fuel, Indigo bookings, and much more. You also get many benefits as a welcome benefit with this card such as a complimentary air ticket, 6E prime add-on, and much more.

The 6E Rewards XL – IndiGo HDFC Bank Credit Card, pretty much offers similar benefits and privileges. The card comes with a plethora of welcome benefits, as you get tons of benefits like Complimentary 6E Prime Add-On and more. You get up to 15% Indigo 6E Rewards for transactions done with the card. Being a travel Credit Card, you get 5% 6E Rewards on IndiGo flights and complimentary airport lounge access.

Both co-branded credit cards offer great travel benefits and exciting offers on flight bookings. Moreover, both cards carry a similar annual fee, and therefore, it becomes difficult to choose one among these. To help you with the same, we have compared both credit cards in detail so that you choose a card best suited for your travels. Keep reading to know more.

6E Rewards XL – Indigo Kotak Bank Credit Card

The 6E Rewards XL – Indigo Kotak Bank Credit Card is a co-branded travel credit card offered by Kotak Mahindra Bank in collaboration with Indigo Airlines. The card is issued with an Annual Fee of Rs. 1,500 and welcomes you with exciting benefits such as a complimentary Indigo air ticket, 6E prime add-on, and Hotel & Dining vouchers from Accor. As a travel credit card, you get many privileges in travel like complimentary airport lounge access and discounted convenience fees on Indigo flights. As far as the reward rate is concerned, with this card, you get up to 10% 6E rewards on Indigo’s partner brands, 6% 6E Rewards on your spends on Indigo bookings, and much more. The rewards earned with the card can be redeemed against Indigo bookings. To understand the features of the card in detail, refer to the following details:

• As a welcome benefit the 6E Rewards XL – Indigo Kotak card offers the below-mentioned privileges:
  – Complimentary Indigo Air ticket worth Rs. 3,000 on completing three transactions every month for the first three months of card activation.
  – 30% discount (up to Rs. 5,000) on your hotel stays with Accor hotel vouchers.
  – Rs. 1,000 dining voucher from Accor hotels.
  – Complimentary 6E prime add-on worth Rs. 899.
• The 6E Rewards XL – Indigo Kotak Bank Credit Card offers 6E Rewards on all transactions as per the following reward rate:
  – Up to 10% 6E rewards on Indigo’s partner brands.
  – 6% 6E Rewards on Indigo bookings.
  – 3% 6E Rewards for dining, movies, and grocery spends.
  – 2% 6E Rewards on all retail transactions.
• The 6E Rewards earned with the card are redeemable on the 6E Rewards Account. The points can be redeemed for bookings on the Indigo website. The value of 1 6E reward = Rs. 1 and are valid for a period of 2 years.
• You can also get various campaign-based 6E rewards valid for 6 months.
• With this card, you get 8 complimentary domestic lounge access every year. Moreover, on bookings done on Indigo, you get a Rs. 150 discount on the convenience fee.

6E Rewards XL – IndiGo HDFC Bank Credit Card

The 6E Rewards XL – IndiGo HDFC Bank Credit Card offered by HDFC Bank is a co-branded card in partnership with Indigo Airlines. As the name suggests, the card offers many exciting benefits for Indigo bookings. The card is issued at a joining fee of Rs. 1,500 and the annual fee for the card is Rs. 1,500 as well. As a welcome benefit, you get many offers with this card like Complimentary 6E Prime Add-On, Accor Hotel/Dining vouchers, and much more. With this card, you can earn up to 15% Indigo 6E Rewards. Also, being a travel credit card, you get complimentary domestic airport lounge visits and discounted convenience fee on IndiGo. Following are detailed benefits of the 6E Rewards XL – IndiGo HDFC Bank Credit Card:

• The welcome benefit offered with the 6E Rewards XL – Indigo HDFC card are mentioned below:
  – Complimentary Indigo Air ticket worth Rs. 3,000 on completing three transactions every month for the first three months of card activation.
  – 30% discount (up to Rs. 5,000) on your hotel stays with Accor hotel vouchers.
  – Rs. 1,000 dining voucher from Accor hotels.
  – Complimentary 6E prime add-on worth Rs. 899.
  – Budweiser vouchers worth Rs. 250.
• The reward rate provided with the 6E Rewards XL – Indigo Kotak Bank Credit Card offers 6E Rewards has been mentioned below:
  – Get Up to 15% 6E rewards on Indigo’s partner brands.
  – 5% 6E Rewards on Indigo bookings.
  – 3% 6E Rewards for dining, movies, and grocery spends.
  – 2% 6E Rewards on all retail transactions.
• The 6E Rewards earned with the card can be redeemed for a number of options available on the official 6E rewards website.
• Enjoy 8 complimentary domestic airport lounge visits (2 per quarter) under the MasterCard Lounge Program.
• Get complimentary 12 golf lessons and 4 rounds of green fees with this card.

Read More: Looking for an IndiGo Co-branded Credit Card?

Quick Comparison

Basis	6E Rewards XL – Indigo Kotak Bank Credit Card	6E Rewards XL – IndiGo HDFC Bank Credit Card
Reward Rate	20% 6E rewards on Indigo’s partner brands. 6% 6E Rewards on Indigo bookings. 3% 6E Rewards for dining, movies, and grocery spends. 2% 6E Rewards on all retail transactions.	20% 6E rewards on Indigo’s partner brands. 5% 6E Rewards on Indigo bookings. 3% 6E Rewards for dining, movies, and grocery spends. 2% 6E Rewards on all retail transactions.
Reward Redemption	The points can be redeemed for bookings on the Indigo website. 1 6E reward = Rs. 1	The points can be redeemed for bookings on the Indigo website. 1 6E reward = Rs. 1
Welcome Benefits	Complimentary Indigo Air ticket worth Rs. 3,000.Complimentary 6E prime add-on worth Rs. 899.30% discount (up to Rs. 5,000) on your hotel stays with Accor hotel vouchers.Rs. 1,000 dining voucher from Accor hotels.	Complimentary Indigo Air ticket worth Rs. 3,000.Budweiser vouchers worth Rs. 250. Complimentary 6E prime add-on worth Rs. 899.30% discount (up to Rs. 5,000) on your hotel stays with Accor hotel vouchers.Rs. 1,000 dining voucher from Accor hotels.
Lounge access	8 complimentary domestic lounge access every year	8 complimentary domestic lounge access every year
Golf Games	Complimentary 12 golf lessons and 4 rounds of green fees annually.	NA
Joining Fee	Rs. 2,500 (Plus Applicable taxes)	Rs. 2,500 (Plus Applicable taxes)
Renewal Fee	Rs. 2,500 (Plus Applicable taxes)	Rs. 2,500 (Plus Applicable taxes)
Foreign Mark up fee	2.5% of the transaction amount	3.5% of the transaction amount.

Bottom Line

Both the 6E Rewards XL Credit cards offered by HDFC Bank and Kotak Bank are very similar to each other. Both cards offer similar privileges and travel benefits. However, there are a few things that differentiate between the two cards. The 6E Rewards XL by HDFC Bank offers Complimentary golf games and rounds every year whereas the 6E Rewards XL – Indigo Kotak Bank Credit Card does not.

Also, the forex markup fee with the HDFC variant is much lower which would definitely help you when traveling abroad. Despite having the same annual fee, the 6E Rewards XL – IndiGo HDFC Bank Credit Card undoubtedly is a better choice than the other. What are your views on both the cards, let us know in the comments below.