IndiGo Kotak XL Credit Card Review (formerly 6E Rewards XL)
Kotak has replaced the 6E Rewards XL with the IndiGo Kotak XL, which earns IndiGo BluChips instead of 6E Rewards. Existing 6E Rewards balances were converted to BluChips by 3 October 2025, with a bonus.
The card suits frequent IndiGo flyers: it earns BluChips on every spend, gives 4,000 BluChips each year and up to 16,000 more through spend milestones, and includes eight domestic lounge visits.
- Earns IndiGo BluChips on all spends
- 4,000 BluChips plus a 6E Eats voucher at joining and every renewal
- Up to 16,000 milestone BluChips a year
- 8 domestic lounge visits a year with no spend condition
- BluChips do not expire
- ₹3,000 fee with no spend-based waiver
- Rewards tied to IndiGo
- “Up to 21 BluChips per ₹100” includes IndiGo’s own earn, not just the card
- Voucher BluChips expire after six months
- About 3.5% forex markup
Fees and charges
| Item | Detail |
|---|---|
| Joining fee | ₹3,000 + GST |
| Annual fee | ₹3,000 + GST (no spend-based waiver) |
| Forex markup | About 3.5% |
Rewards: how the card earns
| Spend | BluChips per ₹100 (from the card) |
|---|---|
| IndiGo bookings | 5 (IndiGo adds its own BluChip earn on top) |
| Dining and entertainment | 3 |
| Other spends (including RuPay UPI) | 2 |
| Milestones | 4,000 BluChips each at ₹1.5 lakh, ₹4 lakh, ₹7.5 lakh and ₹12 lakh annual spend |
Other benefits
| Benefit | Detail |
|---|---|
| Welcome and renewal | 4,000 BluChips + 6E Eats voucher |
| Lounge access | 8 domestic visits a year (2 a quarter), no spend condition |
| Networks | Visa and RuPay (RuPay UPI spends earn 2 per ₹100) |
Eligibility
Issuer
Kotak Mahindra Bank
Co-brand
IndiGo
Documents
PAN, Aadhaar, income proof
Who this card is for
- Good fit: frequent IndiGo flyers who spend ₹1.5–12 lakh a year on the card.
- Skip if: you rarely fly IndiGo.
Alternatives worth comparing
Final verdict
A strong IndiGo card for regular flyers, with rich milestones and unconditional domestic lounge access. The ₹3,000 fee cannot be waived, so it only makes sense if you collect the milestones.
Frequently asked questions
What happened to the Kotak 6E Rewards XL?
It was replaced by the IndiGo Kotak XL, and 6E Rewards balances were converted to IndiGo BluChips by 3 October 2025.
How many BluChips does the card earn?
5 per ₹100 on IndiGo, 3 on dining and entertainment and 2 on other spends, from the card alone.
What are the milestones?
4,000 BluChips each at ₹1.5 lakh, ₹4 lakh, ₹7.5 lakh and ₹12 lakh annual spend.
Is the fee waivable?
No. The ₹3,000 + GST fee has no spend-based waiver.
Does it give lounge access?
8 domestic visits a year, 2 a quarter, with no spend condition.
Last verified: October 2026, against Kotak Mahindra Bank’s IndiGo XL card page. Card terms change often; confirm the current fees and reward rules on the issuer’s website before you apply. All fees are plus 18% GST.