Best Credit Cards for IndiGo BluChips
- Updated On: 29 April, 2026
IndiGo is the largest and most popular airline in the country, based on the number of passengers it carries each year. Being a low-cost carrier, it’s often the first choice for domestic travel. In recent times, with the introduction of its new business class, even those looking for a more luxurious experience are choosing IndiGo. Given its popularity, the airline has launched several co-branded credit cards in partnership with leading Indian issuers such as SBI Card, IDFC FIRST Bank, and Kotak Mahindra Bank. Those who opt for these cards shall earn accelerated BluChips for spending made on the IndiGo website and app.
Earlier, IndiGo operated the 6E Rewards program, which has now been discontinued and merged into the BluChip program. All previously issued 6E Rewards co-branded credit cards have also been phased out.
IndiGo Airlines Co-Branded Credit Cards
IndiGo SBI Credit Card
(4.5/5)
- Joining Fee₹1,499 + GST (~₹1,768)
- Annual Fee₹1,499 + GST (~₹1,768)
- Best Suited ForTravel
- Rewards TypeAir Miles
Rewards Rate
3 IndiGo BluChips/₹100 on the IndiGo App & Web. 2 IndiGo BluChips/₹100 on Hotel/Lodging & Travel MCCs. 1 IndiGo BluChip/₹100 on All Other Spends
Welcome Benefits
2,500 IndiGo BluChips
Card Details +
The IndiGo SBI Credit Card is a good choice for people who often fly with IndiGo and want to save on flight costs. It comes with a joining and renewal fee of ₹1,499 plus GST and gives 2,500 IndiGo BluChips as a welcome bonus. You earn 3 BluChips per ₹100 spent on the IndiGo app or website, 2 BluChips per ₹100 on hotels and travel, and 1 BluChip per ₹100 on other spends. If you spend ₹50,000 in a quarter, you also get one free domestic airport lounge visit. Extra milestone rewards add more value if you spend ₹2–6 lakh in a year. Overall, it’s a simple and rewarding card for frequent IndiGo travelers.
- Joining Fee₹5,000 + GST
- Annual Fee₹5,000 + GST
- Best Suited ForTravel
- Rewards TypeAir Miles
Rewards Rate
7 IndiGo BluChips Per ₹100 Spent On IndiGo Channels. 3 IndiGo BluChips Per ₹100 Spent On Grocery & Hotel Categories. 2 IndiGo BluChips Per ₹100 Spent On All Other Eligible Spends
Welcome Benefits
5,000 IndiGo BluChips Voucher + 1 6E Eats Voucher
Card Details +
The IndiGo Axis Premium Credit Card is a travel-focused credit card designed for people who frequently fly with IndiGo. It comes with an annual fee of ₹5,000 + GST and offers 5,000 BluChips and a 6E Eats voucher as welcome benefits. Cardholders earn 7 BluChips per ₹100 spent on IndiGo bookings, 3 on grocery and hotel spends, and 2 on other purchases, which can be redeemed for IndiGo flight bookings. The card also offers lounge access, with 2 domestic visits per quarter and 2 international visits per year, along with a movie ticket BOGO offer on BookMyShow. While the rewards can be useful for regular IndiGo users, the value of BluChips is not fixed, which makes the overall returns slightly unpredictable.
IndiGo IDFC FIRST Credit Card
(4.4/5)
- Joining Fee₹4,999 + GST OR First Year for Secured Card (Min ₹1 Lakh FD)
- Annual Fee₹4,999 + GST
- Best Suited ForTravel
- Rewards TypeAir Miles
Rewards Rate
Up to 22 BluChips/₹100 for Flight Bookings Via the IndiGo Website/App. 0.5 BluChips/₹100 for UPI, Rent, Utility, Insurance, and Wallet Spends, and 3 BluChips/₹100 for Other Eligible Spends
Welcome Benefits
5,000 IndiGo BluChips, Meal Voucher, 3-Month EazyDiner Prime Membership, and Postcard Hotel Voucher Worth ₹3,000 (Paid Variant Only). 3,000 IndiGo BluChips Voucher on Spending ₹1 Lakh Within 90 Days (Both Paid and Secured Variant)
Card Details +
The IndiGo IDFC FIRST Credit Card lets you earn plenty of IndiGo BluChips for free flights, especially when you book through the IndiGo website or app, where you can get up to 22 BluChips per ₹100 spent. The paid version costs ₹4,999 + GST and gives a welcome bonus of 5,000 BluChips, a meal voucher, an EazyDiner Prime membership, and a Postcard Hotel voucher. You can also earn extra BluChips on high yearly spends and enjoy a low 1.49% forex fee plus free golf rounds. The main downside is that it offers no airport lounge access, which is surprising for an airline credit card at this price.
IndiGo Axis Bank Credit Card
(4.4/5)
- Joining Fee₹799 + GST
- Annual Fee₹799 + GST
- Best Suited ForTravel
- Rewards TypeAir Miles
Rewards Rate
3 IndiGo BluChips Per ₹100 Spent On IndiGo Channels. 2 IndiGo BluChips Per ₹100 Spent On Grocery & Dining Categories. 1 IndiGo BluChips Per ₹100 Spent On All Other Eligible Spends
Welcome Benefits
Voucher of 1,200 IndiGo BluChips
Card Details +
The IndiGo Axis Bank Credit Card is an entry-level travel credit card designed for people who frequently fly with IndiGo and want a low annual fee option. It comes with a fee of ₹799 + GST and offers 1,200 BluChips as a welcome benefit, which can be used for booking IndiGo flights. Cardholders earn 3 BluChips per ₹100 spent on IndiGo bookings, 2 on grocery and dining, and 1 on other spends. The card also provides 1 domestic lounge visit per quarter and can be linked to UPI as it is available on the RuPay network.
IndiGo SBI ELITE Credit Card
(4.5/5)
- Joining Fee₹4,999 + GST
- Annual Fee₹4,999 + GST
- Best Suited ForTravel
- Rewards TypeAir Miles
Rewards Rate
7 IndiGo BluChips/₹100 on the IndiGo App & Web. 3 IndiGo BluChips/₹100 on Hotel/Lodging & Travel MCCs. 2 IndiGo BluChip/₹100 on All Other Spends
Welcome Benefits
5,000 IndiGo BluChips & 1 6E Eats Voucher
Card Details +
The IndiGo SBI ELITE Credit Card is a premium airline card that lets you earn BluChips faster and enjoy extra travel perks. It also gives milestone rewards, making it a good option for frequent flyers and high spenders who want to save more on their IndiGo trips.
IndiGo Kotak Credit Card
(4.3/5)
- Joining Fee₹1,500 + GST
- Annual Fee₹1,500 + GST
- Best Suited ForTravel
- Rewards TypeAir Miles
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
Card Details +
The IndiGo Kotak Credit Card is a simple travel card for regular IndiGo flyers. It has a yearly fee of ₹1,500 + GST and gives IndiGo BluChips that can be used for flights, seat selection, and add-on services. You earn 5 BluChips per ₹100 on IndiGo bookings, 2 BluChips per ₹100 on dining and entertainment, and 1 BluChip per ₹100 on other spends. There are welcome, renewal, and milestone vouchers worth up to 7,500 BluChips a year, but the card doesn’t offer airport lounge access or travel insurance, making it best for those focused only on IndiGo rewards.
IndiGo Kotak XL Credit Card
(4.5/5)
- Joining Fee₹3,000 + GST
- Annual Fee₹3,000 + GST
- Best Suited ForTravel
- Rewards TypeAir Miles
Rewards Rate
Up to 21 IndiGo BluChips/₹100 Spent on IndiGo Flight Bookings. 2 IndiGo BluChips/₹100 for All Other Spends
Welcome Benefits
Voucher of 4,000 IndiGo BluChips and 6E Eats
Card Details +
The IndiGo Kotak XL Credit Card is a premium option for frequent IndiGo flyers with a ₹3,000 + GST annual fee. It gives a welcome voucher of 4,000 BluChips and a 6E Eats voucher, plus milestone rewards of up to 16,000 BluChips a year for high spends. You can earn up to 21 BluChips per ₹100 on IndiGo flight bookings, 3 BluChips per ₹100 on dining and entertainment, and 2 BluChips per ₹100 on other spends. The card also offers two free domestic airport lounge visits each quarter.
Earn IndiGo BluChips With Co-Branded Credit Cards
IndiGo BluChip is the loyalty program of India’s most popular airline. Customers who hold an IndiGo co-branded credit card earn accelerated BluChips on IndiGo bookings, in addition to the regular base rewards for flights. Cardholders also collect BluChips on everyday, non-flight purchases made with their cards.
With these co-branded cards, you can earn up to 23 IndiGo BluChips for every ₹100 spent on IndiGo. For a clear comparison, we’ve listed only the reward rates offered by the cards themselves. The regular IndiGo BluChips earnings based on the tier are not included.
| Cards | BluChip Reward Earnings | Reward Rate for IndiGo Flight Bookings (Assuming 1 BluChip = ₹0.50) | Reward Rate on Other Spends (Assuming 1 BluChip = ₹0.50) |
| IndiGo SBI |
|
1.5% | 0.5% |
| IndiGo Axis Bank Premium |
|
3.5% | 1% |
| IndiGo IDFC FIRST |
|
3% | 1.5% |
| IndiGo Axis Bank |
|
1.5% | 0.5% |
| IndiGo SBI ELITE |
|
3.5% | 1% |
| IndiGo Kotak |
|
1.5% | 0.5% |
| IndiGo Kotak XL |
|
2.5% | 1% |
What’s the Value of IndiGo BluChips?
There is no predefined value for BluChips. They have dynamic value. Some routes provide better redemption value than others.
Let’s take a few examples to see the different values one could get for their BluChips.
Chandigarh to Delhi
A one-way IndiGo flight from Chandigarh to Delhi is currently priced at ₹2,862 (for the dates selected) when paying in cash.
The same seat can be booked using 5,259 IndiGo BluChips. To find the value of each BluChip, simply divide the cash fare by the number of points required: ₹2,862 ÷ 5,259 ≈ ₹0.54. This means one BluChip is worth roughly 54 paise, so redeeming BluChips for flights gives you about ₹0.54 of travel value per point.
Delhi to Mumbai
A one-way IndiGo flight from Delhi to Mumbai is priced at ₹5,037 when paying in cash.
The same ticket can be booked with 10,702 IndiGo BluChips. To find the value of each BluChip: ₹5,037 ÷ 10,702 ≈ ₹0.47 (about 47 paise per BluChip).
Based on these two routes, it’s fair to estimate the value of 1 IndiGo BluChip at around ₹0.50. However, many travelers report finding select routes and dates where redemptions can deliver close to ₹1 per BluChip, so it’s worth checking different options before booking.
Airport Lounge Access With IndiGo Credit Cards
Apart from BluChip rewards, these cards also offer additional privileges such as complimentary access to airport lounges.
| Cards | Airport Lounge Access |
| IndiGo SBI Credit Card | One Free Visit Each Quarter to Domestic Lounges on Making Spends of ₹50,000 or More in the Previous Quarter |
| IndiGo Axis Bank Premium | Two Free Visits Each Quarter to Domestic Lounges on Making Spends of ₹50,000 or More in the Previous Quarter. Two International Airport Lounge Visits Each Year |
| IndiGo IDFC FIRST Credit Card | No Airport Lounge Access |
| IndiGo Axis Bank | One Free Visit Each Quarter to Domestic Lounges on Making Spends of ₹50,000 or More in the Previous Quarter |
| IndiGo SBI ELITE Credit Card | Domestic Lounges – Two Free Visits Each Quarter on Making Spends of ₹100,000 or More in the Previous Quarter. International Lounges – 6 Free Visits Each Year (Maximum 2 Per Quarter) |
| IndiGo Kotak Credit Card | No Airport Lounge Access |
| IndiGo Kotak XL Credit Card | 2 Free Visits Each Quarter to Domestic Airport Lounges. No International Airport Lounge Access |
Earn Milestone Rewards
One of the most rewarding features of IndiGo co-branded credit cards is the milestone benefits they offer. Each card provides milestone rewards in the form of BluChips, making them especially valuable for frequent flyers or business travelers with high flight-related spending.
| Cards | Milestone Rewards |
| IndiGo SBI Credit Card | Up to 7,500 IndiGo BluChips on Spending ₹6 Lakh in a Year |
| IndiGo Axis Bank Premium | Up to 25,000 IndiGo BluChips on Spending ₹12 Lakh in a Year |
| IndiGo IDFC FIRST Credit Card | Up to 25,000 IndiGo BluChips on Spending ₹12 Lakh in a Year |
| IndiGo Axis Bank | Up to 2,400 IndiGo BluChips on Spending ₹3 Lakh in a Year |
| IndiGo SBI ELITE Credit Card | Up to 24,000 IndiGo BluChips on Spending ₹12 Lakh in a Year |
| IndiGo Kotak Credit Card | Up to 7,500 IndiGo BluChips on Spending ₹6 Lakh in a Year |
| IndiGo Kotak XL Credit Card | Up to 16,000 IndiGo BluChips on Spending ₹12 Lakh in a Year |
Bottom Line
BluChip is the premier loyalty program for IndiGo Airlines, a popular airline. This program rewards all those who often fly with IndiGo. All those who opt for an IndiGo Co-Branded Credit Card shall earn BluChips rewards for all their spends, including accelerated ones for flight bookings made with IndiGo. Apart from the reward earnings, these cards also grant additional features that shall be extremely useful for travelers, such as complimentary airport lounge access.
FAQs:
What is the IndiGo BluChip program?
BluChip is the loyalty program of the popular Indian airline IndiGo. Those who book their flights directly earn special rewards and privileges with the BluChip program.
Which IndiGo Co-Branded Credit Card offers the highest reward rate for flight bookings?
The IndiGo SBI ELITE Credit Card offers 7 IndiGo BluChips/₹100 for flight bookings via the IndiGo App & Web. This is the highest amongst all the co-branded credit cards by IndiGo.
Which IndiGo Co-Branded Credit Card is available as lifetime free?
All IndiGo Co-Branded Credit Cards are available in the paid variant only. The IDFC IndiGo Credit Card can be availed as first year free by making a fixed deposit with the bank.
1 comment
RAMESH SHARMA
I, Ramesh Sharma, have these 6E reward points but not able to redeem while booking tickets for my daughter (nominee). I tried to contact people from indigo since morning but not getting any proper reply. I request you to kindly help me out in this.