Kotak IndiGo 6E Rewards XL Credit Card
Gaurav
The Kotak IndiGo 6E Rewards XL Credit Card is an upgraded version of the 6E Rewards – Indigo Kotak Credit Card, designed to help customers with their travel needs. It offers benefits worth over ₹10,000 after paying the joining fee and gives a reward rate of up to 6% on all purchases. You can earn up to 20% 6E Rewards on Indigo’s partner brands. The card also includes free access to domestic airport lounges every year and a discounted convenience fee on Indigo flights. For more details on the card’s features and fees, see the information below.
Rewards and Benefits
Rewards Rate
Earn 6% 6E Rewards on Indigo flights, 3% on dining, groceries, and entertainment, and 2% on other purchases.
Reward Redemption
You can redeem 1 6E Reward for ₹1 on Indigo bookings.
Movie & Dining
Earn extra 6E Rewards on movie and dining purchases.
Travel
Enjoy free airport lounge access and a discounted fee on Indigo flights.
Golf
N/A
Domestic Lounge Access
Enjoy 8 free domestic lounge visits every year.
International Lounge Access
N/A
Insurance Benefits
N/A
Fees & Charges
Interest Rates
3.50% interest per month, which adds up to 42% per year.
Spend-Based Waiver
N/A
Rewards Redemption Fee
Rs. 99 plus taxes
Cash Advance Charges
A fee of ₹300 for every ₹10,000 withdrawn.
Foreign Currency Markup
3.50% +GST
Fuel Surcharge
A 1% fuel surcharge applies to all fuel purchases.
What should you consider before applying for a credit card in India?
Before applying for a credit card in India, consider the following factors:
- Eligibility Criteria: Check the age, income, credit score, and employment status requirements set by the bank or financial institution.
- Credit Score: A higher credit score increases your chances of approval and may result in better offers. Ensure your credit score is in good standing.
- Interest Rates and Fees: Compare annual percentage rates (APR), processing fees, late payment penalties, and foreign transaction fees. These can vary significantly between cards.
- Rewards and Benefits: Look for cards that offer rewards, cashback, discounts, or other perks that align with your spending habits.
- Credit Limit: Make sure the credit limit offered is in line with your financial needs. Avoid over-borrowing, which can lead to high-interest charges.
- Repayment Terms: Understand the repayment options, minimum payment amount, and due dates. Consider how easily you can manage timely payments to avoid interest accumulation.
- Card Type and Features: Choose a card type (e.g., standard, premium, travel, etc.) based on your requirements. Some cards offer more benefits for specific categories like travel, shopping, or dining.
- Bank’s Reputation: Opt for a bank with a good track record of customer service and transparency. Read reviews and consider their customer support accessibility.
- Hidden Charges: Be aware of any hidden fees, such as annual fees, balance transfer charges, and cash withdrawal fees.
- Credit Utilization: Ensure you can manage your spending within the credit limit to maintain a healthy credit utilization ratio, which impacts your credit score.
- Long-Term Financial Plans: Think about how the credit card will fit into your long-term financial goals and avoid accumulating unnecessary debt.
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