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1st Year Fee: ₹3,000* Plus Applicable Taxes
Co-branded
Up to 21 BluChips per Rs. 100 on IndiGo spends
Travel
BluChip vouchers worth up to Rs. 16,000 every year
Lounge Access
Up to 8 domestic lounge visits per year
Author: Shruti Sharma
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IndiGo Kotak XL Credit Card is the premium variant in the co-branded partnership between IndiGo Airlines and Kotak Mahindra Bank. Unlike the existing ‘6E Rewards’ cards with the airline, these co-branded cards offer value-back in the form of BluChips – the reward currency under IndiGo’s BluChip Program.
In addition to IndiGo spends, cardholders earn accelerated BluChips on dining and entertainment spends, enhancing the card’s overall value. Besides this, the card compensates for its joining and annual fee of Rs. 3,000 by offering a complimentary IndiGo BluChips voucher worth Rs. 4,000 and a 6E Eats voucher. Additionally, BluChip vouchers worth Rs. 16,000 as milestone benefits, along with complimentary domestic lounge visits, make this card a suitable option for frequent flyers.
However, consumers are required to enrol in the BluChip program (at the Blu 3 level) to avail these benefits. Going forward, existing 6E Rewards cardholders will be migrated to the new program, and new cards will be issued as per the variant. Read on to know about IndiGo Kotak XL Card features and the BluChip Membership tiers in detail.
Note: This Card is not available on Paisabazaar. The content on this page is for information only. To express interest in this card, please visit Kotak Mahindra Bank’s website.


Welcome/ Renewal Benefits
Milestone Benefits
Complimentary Lounge Access
| Particulars | Amount | ||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Joining Fee | Rs. 3,000 + Applicable Taxes | ||||||||||||||||||
| Annual Fee | Rs. 3,000 + Applicable Taxes | ||||||||||||||||||
| Finance Charges | 3.75% p.m. | 45% p.a. | ||||||||||||||||||
| Late Payment Charges |
|
Kotak Mahindra Bank has discontinued the 6E Rewards Program and will soon start migrating existing users to the new BluChip Program. Unlike the 6E Rewards Program, which was tied only to the co-branded cards, the BluChip Program is more comprehensive. Members get benefits with the co-branded card as well as discount on seat selection, excess baggage and Fast Forward services, as per the tier. New members join at the Blu 3 Tier and move on to the Blu 2 and Blu 1 Tiers, on meeting the eligibility criteria. Below is a detailed Tier Comparison.
| Particular | Blu 3 | Blu 2 | Blu 1 |
|---|---|---|---|
| Tier Upgrade/ Retention | – | Annual spend of Rs. 1 Lakh on IndiGo Flights and a minimum of 4 IndiGo Flights in a year | Annual spend of Rs. 2 Lakh on IndiGo Flights and a minimum of 8 IndiGo Flights in a year |
| Bonus IndiGo BluChips on IndiGo/ Codeshare Flights | – | 2 IndiGo BluChips per Rs. 100 spent | 4 IndiGo BluChips per Rs. 100 spent |
| Bonus IndiGo BluChips on select 6E Add-ons on IndiGo Flights | – | 2 IndiGo BluChips per Rs. 100 spent | 4 IndiGo BluChips per Rs. 100 spent |
| 6E Prime Passes | 0 | 20 | 40 |
| Discount on Seat Selection/ Excess Baggage/ Fast Forward | 10% | 20% | 30% |
You are a frequent traveller who prefers IndiGo over other airlines
You want to earn accelerated rewards on dining and entertainment spends
You can spend up to Rs. 12 Lakh in a year to maximize milestone benefits
You are comfortable with redeeming the accumulated rewards against IndiGo flights
Rewards3.5/5
Milestone Benefits3.0/5
Co-branded Benefits4.0/5
With accelerated rewards on IndiGo along with everyday categories like dining and entertainment, this card turns out to be a suitable option for travel as well as day-to-day spends. Cardholders can redeem the accumulated reward points against future IndiGo flight bookings, allowing them to save significantly on travel expenses. Besides this, welcome & renewal benefits worth Rs. 4,000 or more, milestone benefits of up to Rs. 16,000, and complimentary lounge access add to the card’s value.
IndiGo Kotak XL Credit Card is a suitable option for IndiGo loyalists, as it offers accelerated benefits within the IndiGo ecosystem. However, despite being a travel-focused card with an annual fee of Rs. 3,000, it does not offer international lounge access benefits and comes with limited domestic lounge visits and a high forex markup fee of 3.5%. Travellers who are not loyal to a specific airline can consider applying for airline-agnostic cards like Axis Atlas, Axis Horizon, and HSBC Travel One to maximize their savings across all travel spends.
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Shruti Sharma is a skilled content writer with a passion for simplifying personal finance for consumers. Specializing in credit cards and financial planning, she offers valuable insights that empower individuals to make informed financial choices. Through her writing, she shares practical tips and guides readers through the nuances of credit card usage.