Card Details
IndiGo Kotak Credit Card
Monzy Score
6/ 10
Decent for lounge-hungry travellers.
Thin rewards outside its core category; high 3.5% forex markup.
Card Issuer
Kotak Bank
Joining Fee
₹1,500
Annual Fee
₹1,500
Reward Type
Reward Points
Card Access
Standard
Changes to this card
Offers from Kotak Bank
See allReliance Digital: Ganesh Chaturthi Offer | Up to ?6000 instant discount with select Kotak Mahindra Bank Credit Cards and Credit Cards EMI transactions
Electronics Deals · till 20 Sep 2026
Yatra: Instant discount up to ₹6,000 on Kotak Credit Card EMI. Book Now.
Travel Deals · till 30 Sep 2026
River Cash: Instant discount up to ₹10,000 on Kotak Credit Card EMI. Shop Now.
Exclusive Discounts · till 30 Sep 2026
Godrej: Instant discount up to ₹9,000 on Kotak Credit Card EMI. Shop Now.
Electronics Deals · till 30 Sep 2026
Hero Motorbikes: Instant discount up to ₹10,000 on Kotak Credit Card EMI. Shop now.
Electronics Deals · till 30 Sep 2026
Earn Points
19 BluChips/₹100
IndiGo flight bookings on IndiGo site/app
2 BluChips/₹100
Dining spends
2 BluChips/₹100
Entertainment spends
1 BluChip/₹100
RuPay UPI payments (eligible MCCs)
Benefits
Up to 19 BluChips/₹100 on IndiGo bookings
- Accelerated earnings on IndiGo flights
- Earn up to 19 IndiGo BluChips per ₹100 spent on IndiGo flight bookings
- No annual capping on BluChips earnings
2 BluChips per ₹100 on dining and entertainment
- Accelerated earn on going out
- Earn 2 BluChips per ₹100 on dining
- The same 2 BluChips/₹100 rate applies to entertainment spends
RuPay UPI earns 1 BluChip/₹100
Reward Calculator
NOTE: Enter your monthly spends to see
projected returns.
Excluded: rent, wallet, education, government, utility, insurance, gaming
Estimated Returns
IndiGo flight bookings (website / app)
3 IndiGo BluChips per Rs 100 (card base rate per issuer/CardInsider table).
₹900
Dining & entertainment
2 BluChips per Rs 100.
₹0
All other eligible spends (incl UPI on RuPay variant)
1 BluChip per Rs 100 base rate.
₹0
Total Annual Return
₹10,800
3% Effective ROIWhat Users Are Saying
Community Feed
Mar 2026
“Got my Kotak IndiGo Premium Credit card LTF”
by r/IndianCreditCards, Mar 2026
“Beware of Indigo and Kotak and their credit Card support”
by r/CreditCardsIndia, Jul 2025
“Closing my Kotak Indigo 6E card - which new card should I”
by r/CreditCardsIndia, Jul 2025
“Two New Kotak IndiGo Credit Cards Launched”
by r/CreditCardsIndia, Jul 2025
“Indigo Credit Card - Kotak vs IDFC”
by r/DoBaniye, Oct 2025
Frequently Asked Questions
The IndiGo Kotak Credit Card charges ₹700 plus GST as a joining fee and the same ₹700 again at renewal. The first year fee is currently being waived on new approvals. Kotak Mahindra Bank waives the renewal fee if you spend ₹1.25L in the previous year, which is about ₹10,417 a month. If your card spend sits below that, treat ₹700 as a real yearly cost that your rewards have to clear first.
Things to Keep in Mind
RuPay UPI rewards exclude certain MCCs where no rewards are awarded
BluChips vouchers issued as welcome/milestone/renewal benefits are valid for 6 months from issuance
