{
  "id": "kotak-indigo-kotak-credit-card",
  "locale": "en",
  "name": "Kotak 6E Rewards IndiGo Credit Card",
  "bank": "Kotak Mahindra Bank",
  "cardType": "travel",
  "cardTier": "entry",
  "annualFee": "₹700 + GST",
  "loungeAccess": "Complimentary Domestic Airport Lounge access (1 visit per calendar quarter, max 4 visits/year)",
  "rewardsRate": "3.0% 6E Rewards on IndiGo Flights & App · 2.0% on Dining, Grocery & Entertainment · 1 Complimentary Flight Ticket on Setup",
  "bestFor": "Frequent domestic fliers, corporate travelers, IndiGo loyalists, and budget vacationers",
  "officialLink": "https://www.kotak.bank.in/en/personal-banking/cards/credit-cards/indigo-credit-card.html",
  "aiVerdict": {
    "score": 3.5,
    "summary": "Its modest reward rate and low annual fee offset the lack of lounge access.",
    "tradeOffs": [
      "Modest reward rate relative to the market's best cashback cards",
      "Limited lounge access compared with premium travel cards",
      "Data quality is PARTIAL, not fully live-verified"
    ],
    "confidence": 1
  },
  "rewardRatePercent": 1,
  "affiliateId": "kotak-indigo-kotak-credit-card",
  "dataQuality": "PARTIAL",
  "legacyDataQuality": "PARTIAL",
  "evidence": {
    "version": 4,
    "asOf": "2026-10-16",
    "dataQuality": "PARTIAL",
    "verifiedAt": null,
    "unresolvedItems": [
      "fees.joining",
      "fees.annual",
      "fees.taxes",
      "fees.waiver",
      "fees.waiverEligibleSpend",
      "fees.waiverExclusions",
      "rewards.base",
      "rewards.accelerated",
      "rewards.channels",
      "rewards.caps",
      "rewards.capPeriods",
      "rewards.sharedLimits",
      "rewards.exclusions",
      "lounge.domestic",
      "lounge.international",
      "lounge.qualifyingSpend",
      "lounge.qualifyingPeriod",
      "lounge.guests",
      "lounge.issuerNetwork",
      "redemption.value",
      "redemption.minimum",
      "redemption.charges",
      "redemption.expiry",
      "redemption.transfers",
      "redemption.restrictions",
      "eligibility",
      "availability",
      "effectiveDates"
    ],
    "calculation": {
      "status": "unavailable",
      "reason": "Claim-level evidence review incomplete"
    }
  },
  "sources": [
    "https://www.kotak.bank.in/en/personal-banking/cards/credit-cards/indigo-credit-card.html",
    "https://www.kotak.bank.in/content/dam/Kotak/customer-service/general-banking/cards/credit-cards/mitc.pdf",
    "Kotak Mahindra Bank — Kotak 6E Rewards IndiGo Credit Card official schedule of charges and MITC",
    "IndiGo (InterGlobe Aviation Ltd) — 6E Rewards partnership terms, flight welcome voucher & dining earn rates"
  ],
  "feeWaiver": "Waived on annual retail spends exceeding ₹1,00,000 in previous anniversary year",
  "networks": [
    "Mastercard",
    "Visa"
  ],
  "quickFacts": [
    {
      "key": "Annual Fee",
      "value": "₹700 + GST (Waived on ₹1L spend)"
    },
    {
      "key": "IndiGo Rewards",
      "value": "3.0% 6E Rewards on IndiGo website & app"
    },
    {
      "key": "Welcome Gift",
      "value": "1 Complimentary IndiGo Flight Voucher (worth ₹1,500) + 6E Prime Add-on"
    },
    {
      "key": "Grocery & Dining",
      "value": "2.0% 6E Rewards on Dining, Grocery & Movies"
    },
    {
      "key": "Airport Lounges",
      "value": "1 complimentary domestic visit / quarter (4 visits/year)"
    },
    {
      "key": "Fuel Surcharge",
      "value": "1% waiver on ₹500 to ₹3,000"
    }
  ],
  "earnRates": [
    {
      "category": "IndiGo Flight Bookings (3%)",
      "rate": "3.0% 6E Rewards (3 Pts / ₹100)",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "3,000 6E Rewards (₹3,000 flight credit)"
    },
    {
      "category": "Dining, Grocery & Entertainment (2%)",
      "rate": "2.0% 6E Rewards (2 Pts / ₹100)",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "2,000 6E Rewards (₹2,000 flight credit)"
    },
    {
      "category": "All Other Domestic Retail Spends",
      "rate": "1.0% 6E Rewards (1 Pt / ₹100)",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "1,000 6E Rewards (₹1,000 flight credit)"
    }
  ],
  "hasAccelerated": true,
  "acceleratedEarn": [
    {
      "channel": "IndiGo App & Website",
      "multiplier": "3×",
      "rate": "3.0% 6E Rewards",
      "monthlyCap": "Uncapped",
      "dailyCap": "—",
      "note": "3% rewards on all flights and add-ons booked directly on goindigo.in."
    },
    {
      "channel": "Supermarkets, Dining & Movies",
      "multiplier": "2×",
      "rate": "2.0% 6E Rewards",
      "monthlyCap": "Uncapped",
      "dailyCap": "—",
      "note": "2% rewards across restaurants, food delivery, and supermarkets."
    }
  ],
  "redemptionRoutes": [
    {
      "route": "IndiGo Flight Ticket Bookings",
      "value": "1 6E Reward = ₹1.00 (Direct Flight Credit)",
      "minPoints": "100 pts",
      "ceiling": "None",
      "fee": "Nil",
      "isBest": true
    },
    {
      "route": "IndiGo 6E Prime Add-ons (Seats & Meals)",
      "value": "1 6E Reward = ₹1.00",
      "minPoints": "100 pts",
      "ceiling": "None",
      "fee": "Nil",
      "isBest": true
    }
  ],
  "exclusions": [
    "Wallet reloads and fuel purchases (eligible for 1% surcharge waiver only).",
    "ATM cash withdrawals."
  ],
  "feesDetail": [
    {
      "item": "Joining Fee",
      "value": "₹700 + GST (Includes ₹1,500 Flight Voucher + 6E Prime Add-on)",
      "warn": false
    },
    {
      "item": "Annual Renewal Fee",
      "value": "₹700 + GST (Waived on ₹1,00,000 annual spend)",
      "warn": false
    },
    {
      "item": "Finance Charges (Interest Rate)",
      "value": "3.50% per month (42.00% per annum)",
      "warn": false
    },
    {
      "item": "Foreign Currency Markup",
      "value": "3.50% + GST",
      "warn": true
    },
    {
      "item": "Fuel Surcharge Waiver",
      "value": "1% waiver on ₹500 to ₹3,000 transactions (Max ₹100/month)",
      "warn": false
    }
  ],
  "eligibilityDetail": [
    {
      "criteria": "Age Requirement",
      "requirement": "21 to 65 years"
    },
    {
      "criteria": "Minimum Monthly Income",
      "requirement": "₹30,000+ per month (Salaried) or ₹4.8L+ ITR (Self-Employed)"
    },
    {
      "criteria": "Credit Score (CIBIL)",
      "requirement": "720+ recommended for smooth approval"
    }
  ],
  "timelineEvents": [],
  "pointsValuation": null
}