Kotak Indigo Ka-Ching 6E Rewards Credit Card Review

If you are looking for a low-cost travel card, then you should 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 targets those who travel regularly with Indigo airlines. In terms of benefits, this kotak credit 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 kotak credit cards are discussed below. 

How does the kotak mahindra credit card eligibility work?

• Resident Type: Indian
• Kotak indigo credit card eligibility criteria for salaried person:
  • Age: 21 to 60 years. 
  • Income: The average income should be Rs. 25,000 per month. 
• Kotak indigo card eligibility criteria for self-employed person:
  • Age: 21 to 65 years.
  • Income: The annual income tax return should be greater than Rs, 4 lakh. 
• A credit score of 680+ is needed to apply for this ka-ching credit card.

You can apply for this ka ching 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.

What documents are 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. So if you want to know about the kotak card activation process then make sure to visit our faq page. 

What are the kotak credit card annual charges?

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

What are the benefits of kotak mahindra bank ka-ching credit card?

• Get started with a huge joining bonus:

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 including an Rs.1000 Accor dining voucher. 

• Make your every transaction rewarding:

The indigo 6e rewards are offered like this

Category of transaction	Rate of earning 6e rewards
Indigo airlines	3% kotak rewards
Dining, Grocery, and Entertainment	2% kotak rewards
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:

If you use this card to book indigo flight tickets you will get a huge discount on the indigo convenience fee. As per the current offer, you can get up to Rs.150 discount per indigo flight booking. Click here if you want to get a complete indigo flight schedule.

• Experience VIP privileges during travel:

With this indigo 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, the option to choose your own seat, etc. 

• Enjoy the convenience of the 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. 

• Instant 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 like Cred, Paytm, Phone Pe, Google Pay, etc.

• Advanced security arrangements:

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 exceptionally resistant to credit card cloning.

But if you notice something suspicious with your account then you should immediately inform it by calling the kotak mahindra bank customer care number, you can also temporarily block your card from your kotak credit card net banking account. 

What are the 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 (check your kotak credit card limit before making a withdrawal)
Kotak card finance charges	The kotak credit card interest rate can go up to 3.50% monthly or 42% annually
Kotak credit card international transaction charges	3.5% against the transaction amount
Ka-Ching credit card add-on card fee	None

How to contact the kotak mahindra bank customer care department?

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

100xGain Ratings: 

6.5/10

Pros and cons of the Kotak Indigo 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

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, otherwise, this card will be useless for you. In this case, you should visit our best travel credit cards page. You can also take a look at the kotak indigo ka-ching 6e rewards xl credit card.

Alternative cards of the Kotak 6e rewards card: 

1. HDFC Superia Credit Card (Best for reward and travel benefits) 
2. HDFC Infinia Metal Credit Card (Best for reward and lifestyle benefits) 
3. InterMiles HDFC Signature Credit Card (Best for reward points and travel benefits) 
4. 6e rewards xl– Indigo HDFC Credit Card (Best for reward points and travel benefits)