Question 1

What is the annual fee on the IndiGo Kotak Credit Card and how do you get it waived?

Accepted Answer

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.

Question 2

What is the reward rate on the IndiGo Kotak Credit Card?

Accepted Answer

You earn 3 points per ₹100 on IndiGo flight bookings. Everything else earns 1 point per ₹100. Each point is worth about ₹1 when you redeem it well, so ₹10,000 of top category spend gives you 300 points, roughly ₹300, which is about 3% back.

Question 3

Does the IndiGo Kotak Credit Card give free airport lounge access?

Accepted Answer

The IndiGo Kotak Credit Card gives 8 complimentary domestic lounge visits a year, usually capped at 2 per quarter. There is no prior spend requirement on paper, though Kotak Mahindra Bank has been moving cards to spend linked access, so confirm before you rely on it at the airport.

Question 4

What changed on the IndiGo Kotak Credit Card recently and is it still worth it in 2026?

Accepted Answer

Migrated base holders lost welcome/renewal benefits; BluChip currency risk. The changes are dated Oct 2025. At ₹1.25L of yearly spend the card returns roughly ₹1,250 at its general rate of about 1%, against a ₹700 renewal fee. Keep it if you clear the ₹1.25L waiver spend and your spending really sits in the accelerated category. Drop it at renewal if you do not.

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