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  • IndiGo Credit Card
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    Kotak Mahindra Bank

    IndiGo Kotak Credit Card

    cat name Travel
    3.0/5.0

    Travel3.0/5

    Milestone Benefits3.0/5

    Co-branded Benefits3.5/5

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    Paisabazaar Review

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

    Co-branded

    Co-branded

    Up to 19 BluChips per Rs. 100 IndiGo spends

    Travel Bonus

    Travel Bonus

    Vouchers of up to 10,000 BluChips per year

    Rewards

    Rewards

    2% BluChips on dining & entertainment spends

    Updated on December 11, 2025 12:43 pm

    Author: Lepakshi Phogat

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    About The CardReward DetailsBenefits & PrivilegesFees & ChargesThings to KnowCard ReviewFAQs

    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
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    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:
      • Voucher worth 2,500 IndiGo BluChips on Rs. 1.25 lakh annual spends
      • Voucher worth 2,500 IndiGo BluChips on Rs. 2.5 lakh annual spends
      • Voucher worth 2,500 IndiGo BluChips on Rs. 6 lakh annual spends
    • 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
    More than Rs. 100 to Rs. 500 Rs. 100
    More than Rs. 500 to Rs. 1,000 Rs. 500
    More than Rs. 1,000 to Rs. 5,000 Rs. 600
    More than Rs. 5,000 to Rs. 10,000 Rs. 750
    More than Rs. 10,000 to Rs. 25,000 Rs. 900
    More than Rs. 25,000 to Rs. 50,000 Rs. 1,100
    More than Rs. 50,000 Rs. 1,300

    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:

    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.

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    Frequently Asked Questions

    Everything you need to know about this credit card

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

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

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

    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.

    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.
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    Footnotes

    1. 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.
    2. 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.
    3. 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 linkedIn icon

    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.

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