Question 1

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

Accepted Answer

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.

Question 2

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

Accepted Answer

You earn 9 points per ₹100 on IndiGo flight bookings on IndiGo website and mobile app. Everything else earns 2 points per ₹100. Each point is worth about ₹0.25 when you redeem it well, so ₹10,000 of top category spend gives you 900 points, roughly ₹225, which is about 2.2% back.

Question 3

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

Accepted Answer

The IndiGo Kotak XL 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 XL Credit Card recently and is it still worth it in 2026?

Accepted Answer

Migrated from 6E Rewards XL (Oct 2025); BluChip currency devalued twice; Kotak issuer cuts. The changes are dated Oct 2025. At ₹3L of yearly spend the card returns roughly ₹6,000 at its general rate of about 2%, against a ₹3,000 renewal fee. That clears the fee, but not by much, so it is worth keeping only while your spending stays in the accelerated category.

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IndiGo Kotak XL Credit Card

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