Card Details
IndiGo Kotak XL Credit Card
Card Issuer
Kotak Mahindra Bank
Joining Fee
₹3,000
Annual Fee
₹3,000
Reward Type
Miles
Card Access
Standard
Offers from Kotak Mahindra Bank
See allZepto: 10% instant discount up to ?125 on minimum transaction of ?999 using Kotak Credit Card.
Grocery & Essentials · till 9 Nov 2026
Tata CLiQ: Tata CLiQ Fashion & Luxury offer - 12.5% instant discount | Minimum transaction ₹3,000 | Maximum discount ₹1,000 on select Kotak Bank Credit Cards at Tata CLiQ Fashion & 12.5% instant discount | Minimum transaction ₹7,500 | Maximum discount ₹2,500 | Valid on select Kotak Bank Credit Cards at Tata CLiQ Luxury
Shopping Deals · till 30 Nov 2026
The Bombay Sweet Shop: Flat 30% off upto ₹15000 on any purchase on Kotak Solitaire Credit Card. Applicable on both online (www.bombaysweetshop.com, Swiggy, Zomato) and offline stores
Dining & Food Deals · till 30 Nov 2026
Anantara Vacation: Upto 80% instant discount at Anantara Vacation Club via Kotak Solitaire & White Reserve Credit Cards
Travel Deals · till 20 Dec 2026
PVR INOX: Get PVR Voucher worth 400 on PVR INOX card approval through the PVR app
Entertainment Deals · till 31 Dec 2026
Earn Points
21Rp/₹100
On indigo flight bookings
2Rp/₹100
On upi on credit card spends
Benefits
Up to 21 IndiGo BluChips per ₹100 on IndiGo…
- Up to 21 IndiGo BluChips per ₹100 on IndiGo flight bookings
8 domestic lounge visits per year (2 per quarter)
- Domestic lounge access 8 per year
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 ROIThings to Keep in Mind
UPI rewards accrue at 2 BluChips per ₹100 except exclusion MCC codes where no rewards are awarded.
BluChips vouchers credited as welcome/milestone/renewal are valid for 6 months from issuance.
Program migration note: old 6E Rewards balance conversion to IndiGo BluChips with 18% bonus by 3 Oct '25 for eligible legacy cardholders.
