IndiGo Kotak Credit Card
- Updated On: 1 January, 2026
The IndiGo Kotak Credit Card is a co-branded offering from Kotak Mahindra Bank and IndiGo Airlines, made for frequent flyers. With an annual fee of ₹1,500 + GST, it offers IndiGo BluChips as rewards, which can be redeemed for IndiGo flights, seat selection, and add-on services. From welcome and renewal vouchers to additional milestone rewards, the card provides multiple ways to collect BluChips throughout the year. However, it lacks airport lounge access, insurance, and travel protection perks, features often expected from travel-centric credit cards. Still, for loyal IndiGo flyers who value a flight-focused rewards program, this card offers practical savings.
IndiGo Kotak Credit Card
( 4.3 / 5 )
- Joining Fee
- Annual Fee
- Best Suited For
- Reward Type
Rewards Rate
5 IndiGo BluChips/₹100 Spent on IndiGo; 2 IndiGo BluChips/₹100 Spent on Dining & Entertainment; 1 IndiGo BluChip/₹100 on All Other Categories
Welcome Benefits
Voucher of 2,500 IndiGo BluChips
Rewards and Benefits
Movie & Dining
N/A
Rewards Rate
5 IndiGo BluChips/₹100 Spent on IndiGo; 2 IndiGo BluChips/₹100 Spent on Dining & Entertainment; 1 IndiGo BluChip/₹100 on All Other Categories
Reward Redemption
Redeem for Flights & Select IndiGo Services
Travel
Accelerated Rewards on IndiGo Flight Booking
Domestic Lounge Access
N/A
International Lounge Access
N/A
Golf
N/A
Insurance Benefits
N/A
Fees & Charges
Spend-Based Waiver
N/A
Rewards Redemption Fee
N/A
Foreign Currency Markup
3.5%
Interest Rates
3.75% Monthly (45% Annually)
Fuel Surcharge Waiver
N/A
Cash Advance Charges
2.5% Subject to a Minimum of ₹500
Product Details
- Earn IndiGo BluChips on all spends, with accelerated rewards on IndiGo flight bookings and milestone spend benefits.
- BluChips can be earned on everyday spends and redeemed for flights, seat selection, and other IndiGo services, with points validity extending based on activity.
Pros/Cons
Pros
- Offers accelerated rewards for IndiGo flight bookings.
- Accelerated reward earning for dining and entertainment categories
Cons
- The card does not offer any complimentary airport lounge access.
- There are no travel insurance perks.
- Users cannot get a spend-based annual fee waiver.
Joining and Renewal Benefits
The card comes with an annual fee of ₹1,500 + GST. To offset the joining and the renewal fee, the card offers users the following perks:
- Welcome Benefit: Get a voucher of 2,500 IndiGo BluChips (will be valid for 6 months from the date of issuance).
- Renewal Benefit: Receive a voucher worth 2,500 IndiGo BluChips upon payment of the annual fee each year (will be valid for 6 months from the date of issuance).
Milestone Benefits
To reward high-spending users, the card offers milestone benefits, allowing them to earn vouchers of up to 7,500 IndiGo BluChips each year. Here is how:
- Earn a voucher worth 2,500 IndiGo BluChips on spending ₹1,25,000 within the anniversary year
- Get another voucher worth 2,500 IndiGo BluChips on spending ₹2,50,000 within the anniversary year
- Receive your 3rd voucher worth 2,500 IndiGo BluChips on spending ₹6,00,000 within the anniversary year
Earning and Redeeming Rewards
The IndiGo Kotak Credit Card enables users to earn accelerated rewards for select merchant categories, with 1 IndiGo BluChip as its base rate. Additionally, for UPI spends, users holding the RuPay variant are eligible for rewards. Refer to the table below for a detailed breakdown.
| Categories | IndiGo BluChips Earned |
| For IndiGo Flight Bookings (Via the IndiGo Website and Mobile App) | 3 IndiGo BluChips per ₹100 Spent |
| For Dining and Entertainment Spends | 2 IndiGo BluChips per ₹100 Spent |
| For All Other Eligible Spends + UPI Spends on Eligible MCC | 1 IndiGo BluChips per ₹100 Spent |
The excluded categories for reward earning include the following:
- Rent
- Wallet Load/Reloading
- Education
- Government spends
- Utilities Bill Payment
- Insurance Payments
- Online Skill-Based Gaming
- B2B
The IndiGo BluChips are valid for 24 months, but if a user engages in any activity, including earning or redeeming BluChips, within that period, the expiration date will be extended by another 24 months, effectively making the BluChips valid for life.
The rewards earned with this card, which is essentially Air Miles for IndiGo, BluChips, can be redeemed for flights and select IndiGo services, including seat selection and baggage add-ons.
The value of each BluChip varies, ranging from ₹0.40 to ₹0.60.
IndiGo Kotak Credit Card as a Travel Card – Review
While the IndiGo Kotak Credit Card may be practical for IndiGo loyalists through reward points (BluChips), its travel benefits feel incomplete. The absence of airport lounge access, both domestic and international, is a key downside, especially for a card marketed to travelers. However, milestone benefits make up for it to some extent, offering up to 7,500 BluChips annually upon reaching specific spend thresholds, specifically ₹6 lakh annually. However, compared to travel cards, such as the Axis Atlas with lounge perks and an excellent transfer rate of 1:2 for most airlines, this one feels more like an entry-level card designed for users of the IndiGo ecosystem.
FAQs:
What are IndiGo BluChips, and how do they work?
BluChips are reward points that can be redeemed for IndiGo flight bookings, seat upgrades, and select in-flight services.
How many BluChips can I earn on IndiGo bookings?
You earn 3 BluChips for every ₹100 spent on IndiGo flight bookings made via the official website or app.
Are there milestone rewards on the IndiGo Kotak Credit Card?
Yes, you can earn up to 7,500 BluChips annually by spending ₹6 lakh in set milestones.
What’s the value of 1 IndiGo BluChip?
Each BluChip is typically valued between ₹0.40 and ₹0.60.