IndiGo Kotak Credit Card Review (formerly Ka-ching 6E Rewards)
Kotak’s old Ka-ching 6E Rewards card no longer exists as a product. In September and October 2025 Kotak moved its holders to the IndiGo Kotak card, which earns IndiGo BluChips instead of 6E Rewards.
The IndiGo Kotak is the entry version of Kotak’s IndiGo pair — lower fee and earn than the IndiGo Kotak XL, with three milestones that reward spending up to ₹6 lakh a year.
- Uncapped BluChip earning
- 2,500-BluChip voucher at joining and renewal
- Milestones at ₹1.25, 2.5 and 6 lakh (7,500 BluChips)
- RuPay UPI spends earn BluChips
- Lower fee than the XL
- No lounge access
- ₹1,500 fee with no spend-based waiver reported
- Only IndiGo bookings on IndiGo’s site or app earn the 3x rate
- Voucher BluChips expire after six months
- About 3.5% forex markup
Fees and charges
| Item | Detail |
|---|---|
| Annual fee | ₹1,500 + GST (new applicants; migrated Ka-ching holders kept their old fee) |
| Forex markup | About 3.5% |
Rewards: how the card earns
| Spend | IndiGo Kotak (per ₹100) | IndiGo Kotak XL (per ₹100) |
|---|---|---|
| IndiGo website or app | 3 | 5 |
| Dining and entertainment | 2 | 3 |
| Other spends and RuPay UPI | 1 | 2 |
| Welcome and renewal | 2,500 | 4,000 + 6E Eats |
| Milestones | 2,500 at ₹1.25, 2.5 and 6 lakh | 4,000 at ₹1.5, 4, 7.5 and 12 lakh |
| Lounges | None | 2 domestic a quarter |
| Fee | ₹1,500 | ₹3,000 |
How BluChips work: IndiGo replaced 6E Rewards with BluChips in 2025. When you book on IndiGo’s own website or app, IndiGo itself gives every member up to 16 BluChips per ₹100 (8 base, 4 for booking direct, up to 4 for tier). The card’s BluChips come on top, so a bank’s “up to 20+” headline usually includes IndiGo’s share. BluChips can be redeemed only against IndiGo fares on IndiGo’s site or app (minimum 500 for the first redemption), at a value IndiGo sets by route and date. Card welcome, renewal and milestone BluChips arrive as vouchers that expire six months after issue.
What earns nothing
Rent, wallet loads, education, government, utilities, insurance, gaming and B2B payments earn nothing, as do IndiGo bookings made through third-party sites or as group or corporate bookings.
Other benefits
| Benefit | Detail |
|---|---|
| Lounges | None |
| Network | RuPay (UPI-enabled) |
| Migration | Ka-ching 6E Rewards balances were converted to BluChips with a bonus |
Eligibility
Issuer
Kotak Mahindra Bank
Replaces
Ka-ching 6E Rewards (non-XL)
Who this card is for
- Good fit: occasional IndiGo flyers spending ₹1.25–6 lakh a year who want a cheaper IndiGo card.
- Skip if: you want lounges or spend over ₹6 lakh — the IndiGo Kotak XL is better.
Alternatives worth comparing
Final verdict
A sensible entry IndiGo card for moderate spenders, and the natural home for former Ka-ching holders. Step up to the XL if you fly often or spend more than ₹6 lakh a year.
Frequently asked questions
What happened to the Kotak Ka-ching 6E Rewards card?
Kotak replaced it with the IndiGo Kotak card in September–October 2025 and converted 6E Rewards to IndiGo BluChips.
How many BluChips does the IndiGo Kotak earn?
3 per ₹100 on IndiGo bookings on IndiGo’s site or app, 2 on dining and entertainment, and 1 elsewhere including RuPay UPI.
What is the fee?
₹1,500 + GST for new applicants.
Does it include lounge access?
No. The IndiGo Kotak XL includes 2 domestic visits a quarter.
What are the milestones?
2,500 BluChips each at ₹1.25 lakh, ₹2.5 lakh and ₹6 lakh annual spend.
Last verified: October 2026, against Kotak Mahindra Bank’s IndiGo card page and T&C. 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.