Airline credit cards have been popular among travellers for a long time, as they provide benefits like airport lounge access, free baggage checking, and Priority Pass. But not all airline credit card offers the same benefits, so it is really essential to compare the credit card before applying for it. In this article, we are going to compare two airline credit card IndiGo Kotak and the IndiGo SBI Credit Card. So if you are someone who travels often, then you should go through the article.
As the name suggests, both the credit card is co-branded with IndiGo, so you can easily collect the BluChips and later redeem them and use them to book your next flight. The IndiGo Kotak Credit Card comes with a joining fee of ₹1,500 + GST, and it offers welcome benefits, vouchers, and different ways to collect BluChips.
The IndiGo SBI Credit Card comes with a joining fee of ₹1,499 + GST, and the card offers welcome benefits, domestic lounge access, and you can earn BluChips while spending.
As both credit card has the same fees but different benefits, it is important to go through the details of both credit cards to see which card can give you the most benefit.
Which Card Offers Better Joining/Renewal Benefits
When it comes to joining benefits, the IndiGo Kotak credit card offers a voucher of 2,500 IndiGo BluChips, which will be valid for 6 months from the date of issuance. You will also get a voucher worth 2,500 IndiGo BluChips as a renewal benefit upon payment of the annual fee each year.
Which Card Offers Better Milestone Benefits
In terms of milestone benefits, with the IndiGo Kotak Credit Card, when you spend ₹1,25,000 in your card’s anniversary year, you get a voucher for 2,500 IndiGo BluChips. If you spend ₹2,50,000, you earn another 2,500 BluChips voucher. If you spend ₹6,00,000 in a year, you will receive a third voucher for 2,500 IndiGo BluChips. This helps you earn travel benefits faster.
In contrast, the IndiGo SBI Credit Card gives you 2,500 IndiGo Bluchip when you spend ₹2 Lakh, if you spend ₹4 Lakh, then you will receive 2,500 IndiGo Bluchip, and you will again receive 2,500 IndiGo Bluchip if you spend ₹6 Lakh.
Which Card has a Better Reward Structure
Both the card rewards the users in the form of BluChips; later on, these BluChips can be redeemed for flights, seat selection, and other IndiGo services. These IndiGo BluChips are valid for 24 months, but if you earn or redeem points within the period, the expiration date will be extended by another 24 months, effectively making the BluChips valid for life.
Through the IndiGo Kotak Credit Card, you will get 3 IndiGo BluChips per ₹100 spent when you book an IndiGo flight using Indigo website or app. When you spend on dining and entertainment, you will earn 2 IndiGo BluChips per ₹100 Spent. For all other eligible spends and UPI Spends, you will receive 1 IndiGo BluChips per ₹100 Spent.
With the IndiGo SBI Credit Card, you will get 3 IndiGo BluChips per ₹100 spent when you book an IndiGo flight using the Indigo website or app. Get 2 IndiGo BluChips ₹100 spent on hotel booking and travelling, and 1 IndiGo BluChip per ₹100 spent for all other eligible spends.
Both the IndiGo Kotak Credit Card and the IndiGo SBI Credit Card offer a very similar rewards structure, especially for IndiGo flight bookings, where both cards provide 3 BluChips per ₹100 spent. None of the cards offers any benefit that stands out; so when it comes to choosing the credit card on the basis of its reward structure, it totally depends on how and where you want to spend your money.
Airport Lounge Access
Airport Lounge is one of the benefits that users look forward to in an airline credit card. The IndiGo Kotak Credit Card does not provide domestic and international lounge access. Whereas the IndiGo SBI Credit Card offers one free visit each quarter on spending ₹50,000 or more in the previous quarter.
Neither credit card offers any strong benefit when it comes to airport lounge access, though IndiGo SBI offers a domestic lounge, but you still have to spend at least ₹50,000 to attain that benefit.
Bottom Line
Both the IndiGo Kotak Credit Card and the IndiGo SBI Credit Card offer similar annual fees and similar reward structures, but the better choice depends on how you spend your money and what kind of benefits you are looking forward to. For example, Kotak’s milestone benefits are slightly achievable as compared to SBI’s. However, the SBI card might be beneficial for travellers who value even limited airport lounge access and travel-related spending rewards. This is the only benefit that differentiates these cards. Your choice depends on your spending habits and the benefits you are looking for.