Fees And Charges

Fees, charges & other Parameters	Kotak IndiGo 6E Rewards XL Credit Card
Joining Fee	₹ 1,500
Annual Fee	₹ 1,500
Add-on Card Fees	NA
Interest charges on outstanding balances	3.75% (Annualized 45%)
Minimum Amount Due (MAD) (It will reflect in your statement in the Minimum Amount Due column)	1% of TAD w.e.f. 01^st June 2025
ATM cash withdrawal/Cash advance per ₹ 10,000 or part thereof	2.5% of Advance amount subject to minimum of ₹500
Late Payment Charges (LPC)
Outstanding Statement Amount	LPC
<= ₹100	₹ 0
₹101 - 500	₹ 100
₹500.01 – 5,000	₹ 500
₹5,000.01 – 10,000	₹ 600
₹10,000.01 – 25,000	₹ 800
₹25,000.01 – 50,000	₹ 1,000
Above ₹50,000	₹ 1,200
Foreign currency mark-up	3.5% per transaction
Over limit charge	₹ 500
Cheque bounce charge	2% of Bounce amount subject to minimum of ₹500
Standing Instruction Failure/ Auto-debit return fee	2% of Bounce amount subject to minimum of ₹450 W.e.f. 1st June 2025, Maximum fee of ₹5000
Fee on Wallet Loading	W.e.f. 1^st June, 2025, 1% fee on cumulative wallet loading spends exceeding ₹10,000 per statement cycle
Credit Limit Increase Processing Fees	₹100 as applicable
Fee on Fuel Transactions	W.e.f. 1^st June, 2025, 1% fee on cumulative fuel spends exceeding ₹50,000 per statement cycle
Fee on Online Skill-Based Gaming	W.e.f. 1^st June, 2025, 1% fee on cumulative online skill-based gaming spends exceeding ₹10,000 per statement cycle
Fee on Education Payment	W.e.f. 1^st June, 2025, 1% transaction fee will be applicable on all education payments made via third-party apps
Fee on Utility Spends	W.e.f. 1^st June, 2025, 1% fee on cumulative utility spends exceeding ₹75,000 per statement cycle
Fee on Rent Payments	1% fee on transaction amount
Railway booking surcharge	Applicable
Fuel surcharge	Applicable
Fee for cash payment at the Bank	₹ 100
Reissue/replacement card (per issue)	₹ 100
Outstation cheque processing fee	Waived
Machine surcharge at ATMs	Waived
Duplicate statement request	Waived
Web pay service fee	Waived
Please note: GST/applicable taxes will be charged as per the rates approved in the Finance Act each year, on all interest, fees and other charges levied on your credit card.

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Fees and Charges

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