Card Details
IndiGo Kotak XL Credit Card
Monzy Score
6.5/ 10
Good for lounge-hungry travellers.
~2.2% back on top spends; thin rewards outside its core category; high 3.5% forex markup.
Card Issuer
Kotak Mahindra Bank
Joining Fee
₹3,000
Annual Fee
₹3,000
Reward Type
Miles
Card Access
Standard
Offers from Kotak Mahindra Bank
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Earn Points
Up to 21 BluChips/₹100
on flight bookings via IndiGo website/app
3 BluChips/₹100
Dining & entertainment spends
2 BluChips/₹100
Other eligible spends (incl. RuPay UPI)
Benefits
Up to 21 BluChips/₹100 on IndiGo bookings
- Stack BluChips for IndiGo travel
- Earn up to 21 BluChips/₹100 on IndiGo flight bookings
- 3 BluChips/₹100 on dining & entertainment, 2 on other spends
- Requires IndiGo bookings and BluChip tier bonuses for the max rate
- Domestic lounge comfort
- Complimentary access at select Indian airports
- No extra eligibility criteria mentioned
- No international lounge programme
₹4,000 BluChip + 6E Eats vouchers on joining…
- Vouchers offset the ₹3,000 fee
- Welcome and renewal packs worth more than the annual fee
- Milestone vouchers add up to ₹16,000 BluChips yearly
- Voucher validity is 6 months
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)
5 IndiGo BluChips per Rs 100 (card base rate). Marketed 'up to 21' includes IndiGo BluChip tier bonuses not earned from the card itself.
₹1,500
Dining & entertainment
3 BluChips per Rs 100, unlimited.
₹0
All other categories
2 BluChips per Rs 100, unlimited.
₹0
Total Annual Return
₹18,000
5% 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
“Kotak Indigo XL approved LTF - help needed regarding”
by r/CreditCardsIndia, Mar 2026
“Two New Kotak IndiGo Credit Cards Launched”
by r/CreditCardsIndia, Jul 2025
Frequently Asked Questions
The IndiGo Kotak XL Credit Card charges ₹3,000 plus GST as a joining fee and the same ₹3,000 again at renewal. There is no spend based waiver on this card, so the ₹3,000 is a fixed yearly cost you pay regardless of how much you spend.
Things to Keep in Mind
The highest reward rate of 'up to 21 BluChips' per ₹100 is a combined earning from the card, the BluChip membership program, and booking channel, and may depend on the user's BluChip tier status.
Welcome, milestone, and renewal benefits are issued as vouchers which expire in 6 months, whereas points earned from spends have lifetime validity.
Rewards not earned on rent, wallet loads, education, government, utilities, insurance, online gaming, or B2B spends
