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Side-by-Side Comparison|Updated March 2026

6E Rewards - IndiGo SBI Card vs Kotak Mahindra Bank Privy League Signature

Detailed comparison of fees, rewards, benefits, and value to help you choose the right credit card for your spending pattern.

SBI Card

6E Rewards - IndiGo SBI Card

7.8/10
Annual Fee₹500
Base Rewards1%
NetworkMastercard
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Kotak Mahindra Bank

Kotak Mahindra Bank Privy League Signature

7.4/10
Annual Fee₹2,500
Base Rewards0.5%
NetworkVisa
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Feature-by-Feature Comparison

Feature6E Rewards - IndiGo SBI CardKotak Mahindra Bank Privy League Signature
Annual Fee₹500₹2,500
Joining Fee₹500Free
Fee Waiver SpendN/A₹5,00,000
Base Reward Rate1%0.5%
Reward Currency6E RewardsKotak Reward Points
NetworkMastercardVisa
Editor Rating7.8/107.4/10
Forex Markup3.5%3.5%

Accelerated Rewards

6E Rewards - IndiGo SBI Card

  • 3% on IndiGo - TRAVEL
  • 2% on TRAVEL

Kotak Mahindra Bank Privy League Signature

  • 0% on Shopper's Plan
  • 0% on Traveller's Plan

Pros & Cons

6E Rewards - IndiGo SBI Card

Pros

  • Welcome voucher of 1,500 INR effectively covers the joining fee for the first three years
  • Accelerated 2% rewards on IndiGo ticket bookings with no upper cap
  • Includes 6E Prime add-ons: Priority check-in, choice of seat, and a complimentary meal
  • Solid 1.5% reward rate on daily categories like Dining, Grocery, and Entertainment

Cons

  • No complimentary domestic or international airport lounge access
  • Reward points can only be redeemed for IndiGo flight tickets and services
  • High annual interest rate of 42% on outstanding balances

Kotak Mahindra Bank Privy League Signature

Pros

  • Flexible reward plans: Choose between Shopper's or Traveller's plan for 5X rewards.
  • High quarterly bonus: Earn 6,400 bonus points (worth ₹1,600) by spending just ₹1,000 monthly.
  • Complimentary movie benefits: 4 PVR tickets per quarter (or equivalent reward points).
  • Low forex markup: 2% markup on the paid variant is competitive for international travel.

Cons

  • High interest rate: APR increased to 45% p.a. effective June 2025.
  • Restrictive eligibility: Only available to Kotak Privy League banking customers.
  • Reward caps: New limits on utility, education, and insurance spends effective June 2025.

Our Verdict

6E Rewards - IndiGo SBI Card edges ahead overall with a stronger combination of rewards and value. However, Kotak Mahindra Bank Privy League Signature could be the better pick if its specific category strengths match your spending habits.

Choose 6E Rewards - IndiGo SBI Card if

Travelers who prioritize IndiGo for domestic flights and want to earn free tickets through daily spends.

Choose Kotak Mahindra Bank Privy League Signature if

Best suited for those already maintaining a high-value relationship with Kotak to get the card LTF or with premium perks.

Frequently Asked Questions

Which is better: 6E Rewards - IndiGo SBI Card or Kotak Mahindra Bank Privy League Signature?
6E Rewards - IndiGo SBI Card edges ahead overall with a stronger combination of rewards and value. However, Kotak Mahindra Bank Privy League Signature could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between 6E Rewards - IndiGo SBI Card and Kotak Mahindra Bank Privy League Signature?
6E Rewards - IndiGo SBI Card has an annual fee of ₹500, while Kotak Mahindra Bank Privy League Signature has an annual fee of ₹2,500. Kotak Mahindra Bank Privy League Signature offers a fee waiver on ₹5,00,000 annual spend.
Which card has better rewards: 6E Rewards - IndiGo SBI Card or Kotak Mahindra Bank Privy League Signature?
6E Rewards - IndiGo SBI Card offers a base reward rate of 1% with accelerated rewards on IndiGo - TRAVEL and TRAVEL. Kotak Mahindra Bank Privy League Signature offers 0.5% base rewards with bonuses on Shopper's Plan and Traveller's Plan. The better choice depends on your primary spending categories.
Can I have both 6E Rewards - IndiGo SBI Card and Kotak Mahindra Bank Privy League Signature?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. 6E Rewards - IndiGo SBI Card and Kotak Mahindra Bank Privy League Signature can complement each other if they cover different reward categories.
Which card is better for beginners: 6E Rewards - IndiGo SBI Card or Kotak Mahindra Bank Privy League Signature?
For beginners, 6E Rewards - IndiGo SBI Card may be more approachable with a lower annual fee of ₹500. However, evaluate based on your expected spending pattern rather than fee alone.

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