As announced by Kotak Mahindra Bank in October, the bank has officially launched co-branded credit cards in partnership with the country’s largest domestic carrier- IndiGo airline. The two co-branded cards launched are called Ka-Ching Credit cards and are very much similar to the Ka-Ching Credit Cards offered by HDFC.

Kotak Mahindra Ka-Ching Credit Cards

Just like HDFC Ka-Ching Credit Cards, Kotak Mahindra Ka-Ching Credit Cards also offer rewards as IndiGo 6E Rewards. The nomenclature followed by both HDFC and Kotak is also the same- the two IndiGo Credit Cards by Kotak Mahindra are known as 6E Rewards and 6E Rewards XL Credit Cards.

IndiGo Kotak 6E Rewards XL Credit Card

As is obvious from the name, the 6E Rewards XL Credit Card is the more premium one of the two. The card is very similar to its HDFC counterpart- 6E Rewards XL – IndiGo HDFC Credit Card– in terms of rewards and benefits, however, the annual fee of Kotak 6E Rewards XL Credit Card is Rs. 1,500, which is Rs. 1,000 less than its HDFC counterpart that comes with an annual fee of Rs. 2,500. Some of the key features of IndiGo Kotak 6E Rewards XL Credit Card are-

  • Up to 20% value back as IndiGo 6E Rewards on purchases at IndiGo featured partners including Boat, Accor, LionsgatePlay, Netmeds, etc.
  • 6% value back as 6E Rewards on IndiGo spends.
  • 3% value back as 6E Rewards on dining, grocery and entertainment categories.
  • 2% value back as 6E Rewards on all other spends (including fuel) with the card.
  • A discount of Rs. 150 on convenience fee on IndiGo spends.
  • 8 complimentary lounge access per annum at domestic airports across India.
  • 12 complimentary golf lessons and 4 rounds of green fees every year.
  • Welcome benefits including free air ticket worth Rs. 3,000, 6E Prime add-on worth Rs. 899, Accor hotel stay voucher (30% discount) worth Rs. 5,000, Accor hotel dining voucher worth Rs. 1,000 and a Budweiser 0.0 gift voucher worth Rs. 250.

IndiGo Kotak 6E Rewards Credit Card

IndiGo Kotak 6E Rewards Credit Card is an entry-level co-branded travel credit card. The card comes with an annual fee of Rs. 700. The benefits that IndiGo Kotak 6E Rewards Credit Card offers are very similar to those offered by 6E Rewards- IndiGo HDFC Bank Credit Card. Some of the salient features of IndiGo Kotak 6E Rewards Credit Cards are-

  • Up to 15% value back as IndiGo 6E Rewards on purchases at IndiGo featured partners including Boat, Accor, LionsgatePlay, Netmeds, etc.
  • 3% value back as 6E Rewards on IndiGo spends.
  • 2% value back as 6E Rewards on dining, grocery and entertainment categories.
  • 1% value back as 6E Rewards on all other spends (including fuel) with the card.
  • A discount of Rs. 150 on convenience fee on IndiGo spends.
  • Welcome benefits including free air ticket worth Rs. 1,500, 6E Prime add-on worth Rs. 899, Accor hotel stay voucher (30% discount) worth Rs. 5,000, Accor hotel dining voucher worth Rs. 1,000 and a Budweiser 0.0 gift voucher worth Rs. 250.

Difference between the two variants

There are three major differences between the two Ka-Ching credit cards- the 6E Rewards XL and 6E Rewards Credit Cards- by Kotak Mahindra Bank and IndiGo-

  • You do not get any complimentary airport lounge access with the IndiGo Kotak 6E Rewards Credit Card, while the 6E XL variant entitles you to 8 complimentary domestic lounge access every year.
  • You also do not get any complimentary rounds of golf with the IndiGo Kotak 6E Rewards Credit Card, while with IndiGo Kotak 6E Rewards XL Card, you get 12 complimentary golf lessons and 4 rounds of green fees every year.
  • The reward rate of the 6E Rewards XL variant is almost double that of IndiGo Kotak 6E Rewards Credit Card.

Bottom Line

The two IndiGo co-branded Ka-Ching Credit Cards offer a great value if you are a frequent domestic flyer as Go IndiGo is the largest domestic carrier in the country. You should choose between the two variants of the card based on how frequently you travel and whether you are going to avail of the add-on benefits like complimentary lounge access and complimentary rounds of golf.

You can also consider the Ka-Ching credit cards by HDFC, which also offer the same reward rate and benefits. It is worth noting that the annual fee of the XL variant of the HDFC Ka-Ching Credit card is Rs. 1,000 higher than that of the XL variant of the Kotak Ka-Ching Card, the annual fee of the regular 6E Rewards variants from both HDFC and Kotak is the same.

FAQs:

Kotak Mahindra Bank offers two Ka-Ching Credit Cards in partnership with IndiGo airline- IndiGo 6E Rewards and IndiGo 6E Rewards XL Credit Cards. While you do get 8 complimentary domestic airport lounge access (no international airport lounge access) with the IndiGo Kotak 6E Rewards XL Card, no such benefit is available with the IndiGo Kotak 6E Rewards Credit Card.

Both Kotak Mahindra Bank and HDFC Bank offer two Ka-Ching Credit Cards in partnership with Go IndiGo- IndiGo 6E Rewards and IndiGo 6E Rewards XL Credit Cards. While there is no difference between the basic 6E Rewards variants by HDFC and Kotak Mahindra banks, the 6E Rewards XL variant by Kotak, despite offering exactly the same benefits, comes with a lower membership fee of Rs. 1,500 per annum as compared with Rs. 2,500 per annum for the HDFC 6E Rewards XL Credit Card.

The rewards earned on Kotak IndiGo Credit Cards are processed as IndiGo 6E Rewards which can be redeemed for IndiGo spends including booking flight tickets.

You get 12 golf lessons and 4 rounds of green fees with the IndiGo Kotak 6E Rewards XL Credit Card, while no golf benefit is available with the IndiGo 6E Rewards Credit Card.

Write A Comment

Sign up for the Card Insider Weekly Newsletter!

By providing my email address, I agree to cardinsider.com’s  Privacy Policy

Thanks For Subscribing!

Please confirm the email address

Please verify your email address