Credit Card /

Kotak Mahindra Credit Card /

IndiGo Credit Card

Kotak Mahindra Bank

IndiGo Kotak Credit Card

Travel

Co-branded

3.0/5.0

Paisabazaar Review

1^st Year Fee: ₹1,500* Plus Applicable Taxes

Co-branded

Up to 19 BluChips per Rs. 100 IndiGo spends

Travel Bonus

Vouchers of up to 10,000 BluChips per year

Rewards

2% BluChips on dining & entertainment spends

Updated on July 14, 2025 7:54 pm

Author: Lepakshi Phogat

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About The Card Reward Details Benefits & Privileges Fees & Charges Things to Know Card Review FAQs

About IndiGo Kotak Credit Card

Kotak Mahindra Bank offers two co-branded credit cards in association with IndiGo airlines, namely IndiGo Kotak and IndiGo Kotak XL. Only offered to IndiGo BluChip members, these cards let you earn value-back in the form of BluChips, i.e. IndiGo BluChip program’s loyalty points. This IndiGo BluChip will replace the existing IndiGo 6E Rewards program, thus Kotak IndiGo 6E Rewards credit card users are soon expected to be migrated to new IndiGo cards as per their current variant and eligibility.

Here, IndiGo Kotak Credit Card is the base variant and comes with up to 19 BluChips on every Rs. 100 spent on IndiGo flights. Moreover, dining and entertainment spends also earn accelerated BluChips. You can also avail vouchers worth up to 10,000 IndiGo BluChips as welcome, renewal and milestone benefits. Tailored for frequent flyers and IndiGo loyalists, all the features of this Kotak Credit Card are focused on maximising co-branded travel savings.

Note: This Card is not available on Paisabazaar.com. The content on this page is for information only. To express interest in this card, please visit Kotak Mahindra Bank’s website.

Rewards Program

Kotak IndiGo Credit Card offers IndiGo BluChips as rewards on every Rs. 100 spent as given below –

Up to 19 IndiGo BluChips on IndiGo flight bookings, with the following break-up:
- 8 IndiGo BluChips for IndiGo BluChip members
- 3 IndiGo BluChips for using Kotak IndiGo Credit Card
- 4 IndiGo BluChips for using IndiGo app/website for booking
- Up to 4 bonus IndiGo BluChips as per your IndiGo BluChip Tier status¹
Unlimited 2 IndiGo BluChips on dining and entertainment spends
Unlimited 1 IndiGo BluChip on all other card spends², including UPI transactions in case of RuPay card variant
Redemption: You can redeem the accrued IndiGo BluChips against IndiGo flights by logging into your IndiGo BluChip account

Other Features & Benefits

In addition to the IndiGo BluChips as rewards on card spends, cardholders also get up to 4 IndiGo BluChips vouchers³ in a year.

Welcome Bonus: Voucher worth 2,500 IndiGo BluChips
Milestone Benefits: 1 voucher worth 2,500 IndiGo BluChips each on reaching milestones of Rs. 1.25 lakh, Rs. 2.5 lakh and Rs. 6 lakh annual spends respectively
Renewal Bonus: Voucher worth 2,500 IndiGo BluChips on annual fee payment

IndiGo Kotak Credit Card: Fees & Charges

Particulars

Amount

Joining/Annual Fee

Rs. 1,500 + applicable taxes

Finance Charges

3.75% per month (45% per annum)

Late Payment Charges

On outstanding balance of –
Up to Rs. 100	Nil
> Rs. 100 to Rs. 500	Rs. 100
> Rs. 500 to Rs. 5,000	Rs. 500
> Rs. 5,000 to Rs. 10,000	Rs. 600
> Rs. 10,000 to Rs. 25,000	Rs. 800
> Rs. 25,000 to Rs. 50,000	Rs. 1,000
> Rs. 50,000	Rs. 1,200

IndiGo BluChip Tier Benefits

Given below are IndiGo BluChip benefits that Kotak IndiGo Credit Card users can avail as per their tier status, where Blu 3 is the base tier and Blu 1 is the highest:

Particulars	Blu 3	Blu 2	Blu 1
Tier Upgrade/ Retention	–	Annual spends of Rs. 1 lakh on IndiGo flights and a min. of 4 IndiGo flights in a year	Annual spends of Rs. 2 lakh on IndiGo flights and a min. of 8 IndiGo flights in a year
Bonus BluChips on IndiGo Flights	–	2 IndiGo BluChips per Rs. 100 spent	4 IndiGo BluChips per Rs. 100 spent
Bonus BluChips on Codeshare Flights	–	2 IndiGo BluChips per Rs. 100 spent	4 IndiGo BluChips per Rs. 100 spent
Bonus 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%

Things to Know Before you apply

Get This Card If:

You are a frequent air traveller and prefer IndiGo airlines for your travels

You have IndiGo BluChips membership and are looking for a co-branded travel credit card to increase your savings further

You can utilise the IndiGo BluChip vouchers as welcome, renewal and milestone bonuses within 6 months of their issuance before they expire

Similar Cards:

IndiGo Kotak XL Credit Card

6E Rewards XL IndiGo HDFC Bank Credit Card

Emirates Skywards ICICI Sapphiro Credit Card

KrisFlyer SBI Card

Paisabazaar Review

Overall Rating

3.0_/5

Travel3.0_/5

Milestone Benefits3.0_/5

Co-branded Benefits3.5_/5

What do we like about this card?

IndiGo Kotak Credit Card is made for IndiGo loyalists who travel often. It not only offers BluChips on every card spend with accelerated earnings on co-branded spends, but also gives BluChip vouchers as annual and milestone bonuses. The earned BluChips can be used against future IndiGo bookings, thus bringing down the travel costs. The card fee is well compensated by 2,500 BluChips offered on fee payment and the cardholders can maximise their savings further through BluChips vouchers as milestone bonus. The IndiGo BluChip membership further helps in minimising IndiGo travel costs by offering discounts, complimentary services and additional rewards.

Pros

Up to 19 IndiGo BluChips per Rs. 100 spent on IndiGo flights
Additional co-branded travel benefits via IndiGo BluChips membership
Milestone bonus vouchers worth up to 7,500 IndiGo BluChips per year
2,500 IndiGo BluChips voucher on joining and card renewal

Cons

Low reward rate on non co-branded spending categories
No complimentary airport lounge access
Card only offered to IndiGo BluChips membership holders

Conclusion

IndiGo Kotak Credit Card is a true co-branded travel credit card whose features and benefits are all centered towards IndiGo flight bookings. However, despite being a travel-focused card, it does not offer any complimentary airport lounge access or a lower forex mark-up. If you wish to get a better value-back with lounge access, getting its premium variant - IndiGo Kotak XL Credit Card is recommended. In case you do not wish to limit the travel benefits to a single airline or brand and are ready to pay a higher card fee, opting for non co-branded travel cards like Axis Atlas and HSBC TravelOne would be a better choice.

Frequently Asked Questions

Everything you need to know about this credit card

Do IndiGo BluChip vouchers expire?

Yes, the IndiGo BluChip vouchers expire after 6 months from their date of issuance.

What is the eligibility criteria for IndiGo Kotak Credit Card?

To be eligible for Kotak IndiGo Credit Card, the applicant must be 18 years and above and must hold the IndiGo BluChip program membership.

What is the base tier of BluChip membership?

The base default tier of IndiGo BluChip membership is Blu 3.

What is BluChip in IndiGo Kotak Credit Card?

BluChip is a newly launched loyalty program of IndiGo Airlines. Under this program, the members can earn BluChips on their spends and redeem them for future IndiGo bookings and avail complimentary airline services and discounts. The program comes with different tier-based benefits, lifetime validity of points, and no blackout dates.

Is IndiGo Kotak Credit Card replacing Kotak IndiGo 6E Rewards Credit Card?

IndiGo’s 6E Rewards Program has been discontinued and is replaced by IndiGo BluChip Program. So, Kotak Mahindra Bank has launched two new co-branded cards for IndiGo loyalists - IndiGo and IndiGo XL. However, the existing co-branded 6E Rewards credit cards will continue to offer benefits as per their terms and conditions until further notice.

Need More Help?

Footnotes

Blu 3 tier members do not earn any bonus IndiGo BluChips, Blu 2 tier members earn 2 bonus IndiGo BluChips and Blu 1 tier members earn 4 bonus IndiGo BluChips.
No IndiGo BluChips are credited on corporate, group, SME and agent IndiGo bookings, rent, utilities, insurance, wallet, education, government spends, B2B and online skill-based gaming spends.
IndiGo BluChips vouchers are only valid up to 6 months from their date of issuance.

Click here to know More Terms and Conditions

Lepakshi Phogat

Content Writer

Lepakshi is a content writer specialising in personal finance and credit cards. She translates complex financial concepts into practical advice, helping readers make informed financial decisions. Whether it is helping them choose the right credit card or offering strategies to build their credit score, she writes to make personal finance less intimidating and more empowering.