Kotak Indigo Ka-ching Credit Card Review

If you are looking for a low-cost travel credit card, then you must take a look at the Kotak Mahindra ka-ching credit card which is a co-branded credit card, issued in alliance with Indigo airlines. It is designed for those who travel regularly with Indigo airlines. In terms of benefits, this card offers reward points that can be used directly for flight booking, discounts on flight ticket convenience fees, VIP privileges, and lots more. More details about the benefits of the Kotak credit card are discussed below. 

Kotak Mahindra Credit Card Eligibility Criteria:

  • Resident Type: Indian
  • For salaried person:
    • Age: 21 to 60 years. 
    • Income: The average income of the applicant should be Rs. 25,000 per month. 
  • For self-employed person:
    • Age: 21 to 65 years.
    • Income: The annual income tax return of the applicant should be greater than Rs, 4 lakh. 
  • A good credit score (above 760) will help you to get a decent credit limit on this card.

You can apply for this card from the kotak mahindra bank credit card online application portal. With the successful submission of your kotak application form, you will get a unique application id. You can use it to track your application status from the kotak credit card application status tracking page.

Documents Required To Apply For Kotak Mahindra Bank Credit Card:

  • Photocopy of Address proof (any 1)
    • Last 6 months bank account Statement
    • Aadhar Card
    • Driving License
    • Passport
    • Utility bills
  • Photocopy of ID Proof (any 1)
    • Aadhar card
    • Voter Card
    • Passport
    • PAN Card
  • Two recent passport-sized photographs
  • Proof of income statement:
    • Salaried Person (any 1)
      • Salary Slip of last 3 months
      • ITR (Income Tax Return)
    • Self-employed person
      • Income tax return of the last year
      • Proof of business

As per the new regulation of RBI, all new kotak bank credit cards are delivered in an inactive state, and to start using this card the user needs to activate it manually by generating a new credit card PIN. If you are confused with the kotak mahindra credit card pin generation process, then feel free to visit our faq page

Kotak Credit Card Annual Charges :

  • Ka-ching credit card joining fee: Rs. 700 + GST
  • Ka-ching credit card annual fee: Rs. 700 + GST

Benefits of Kotak Mahindra Bank Ka-ching Credit Card:

  • An attractive welcome bonus that will make a great start for you:

With your kotak bank credit card activation, you will get an Rs. 1500 indigo flight ticket as a welcome gift. The kotak bank welcome kit also includes a number of gift vouchers from premium lifestyle brands, you will get an Rs. 1000 Accor dining voucher, a Budweiser gift voucher of Rs. 250, an Accor stay discount voucher that offers a 30% discount, and a 30 day free trial of Lionsgate Play. 

  • Earn reward points from every transaction:

This kotak credit card offers reward points on every category of transaction you make using this card. The details of indigo 6e rewards scheme are mentioned in the table given below.

Category of transaction Rate of earning reward points
Indigo airlines 3%
Dining, Grocery, and Entertainment 2%
All other categories (excluding wallet top-up) 1%

 The kotak card points redemption process is very convenient, you can use your points to book flight tickets from the indigo ticket booking portal. You can check the status of your earned points from the kotak mahindra bank mobile app.

  • Enjoy benefits on indigo airlines booking:

Every time you use this card to book indigo flight tickets, you will get a big discount on the convenience fee. As per the current offer, the discounted convenience fee will be Rs. 150 per indigo flight booking. To know the indigo flight schedule click here.

  • Enjoy VIP privileges during travel:

With this card, you will get a complementary indigo 6e prime add-on membership, that offers you premium privileges like priority check-in, baggage assistance, free meal, option to choose your own seat, etc. 

  • Pay more conveniently with the advanced contactless payment facility:

This kotak mahindra card is equipped with an advanced contactless payment facility, this feature allows you to make a payment by placing your card over any POS machine that accepts contactless payments.

If you don’t want to use that kotak bank card payment option, then you can turn it off very easily from your kotak mahindra online banking account or through the mobile app.

  • Convenient kotak mahindra bank credit card payment options:

You can make your monthly credit card payments online from your kotak internet banking account or by using any credit card payment app. But if you don’t have access to the above-stated online kotak credit card payment options, then you can pay your credit card bill via NEFT, cheque, or from your nearby ATM also you can use the CRED App.

  • Feel more secure with the advanced EMV chip:

All new kotak mahindra bank credit cards have a built-in EMV chip, this chip uses a very strong encryption method to store your data which makes your card nearly impossible to clone.

Fraudulent transactions can happen anytime, so if you notice something suspicious with your card then you should immediately inform it by calling the kotak mahindra bank customer care number, you must temporarily block your card from your kotak credit card net banking account or through the mobile app. 

Ka-ching Kotak Bank Credit Card Charges:

Particulars Payable amount
Charges for cash withdrawal from credit card Rs. 300 for each Rs. 10,000 withdrawal
Finance Charges 3.50% monthly or 42% annually
Foreign currency transaction fee 3.5% against the transaction amount
Ka-ching credit card add-on card fee None

Kotak Mahindra Bank Customer Care Contact Details:

  • Call the Kotak Mahindra customer care number: 1800-209-0000 (Toll-free) or 022-6600-6022
  • Write to Kotak Mahindra credit card email id: customerfirst@kotak.com 

100xGain Ratings: 


Pros and Cons of Kotak Indigo Ka-ching Credit Card:

Pros  Cons 
  • The Kotak bank reward points can be used to book flight tickets which is very useful for the frequent fliers
  • You will get big discounts on convenience fee
  • The Kotak Mahindra bank credit card offers are particularly focused on the Indigo airlines
  • The Ka-ching Kotak credit reward points can only be used for Indigo flight ticket booking
  • No offers on hotel bookings, golf, entertainment or fuel, etc.

Final Opinion:

As said before, it is an entry-level travel credit card that can only be beneficial for those who travel frequently with Indigo airlines. But if you are not a frequent flier with Indigo airlines, this card will be useless for you. In this case, you should visit the 100xGain top 10 travel credit cards page to know the best suitable card for your need

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