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Credit Cards · India

IndiGo Kotak Credit Card

Updated 5 Jul 2026Source-linked

The IndiGo Kotak Credit Card is a mid co-branded credit card from Kotak Mahindra Bank and IndiGo, with a joining fee of ₹1,500 + GST.

It earns up to 19 miles per ₹100 (≈8.6% value) on IndiGo spends in the form of indigo bluchips (miles).

Welcome benefit: 2,500 IndiGo BluChips welcome voucher — renews annually on fee payment.

Kotak Mahindra Bank logo
IndiGo Kotak Credit Card
Mastercard logo
  • Joining Fee₹1,500
  • Annual Fee₹1,500
  • Best Suited ForTravel
  • Reward TypeIndiGo BluChips (miles)
Rewards Rate
  • 19 miles per ₹100 on indigo flights direct
  • 2 miles per ₹100 on dining entertainment
  • Base 0.50% on other spends
Welcome Benefits
  • 2,500 IndiGo BluChips welcome voucher — renews annually on fee payment
Data verified 5 Jul 2026 — see our methodology
Kotak Mahindra Bank logoKotakMastercard logoworldmidCo-brand · IndiGo ↗
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Rewards and Benefits

Rewards Rate
19 miles per ₹100 on indigo flights direct
2 miles per ₹100 on dining entertainment
Base 0.50% on other spends.
Reward Redemption
IndiGo flights + 6E Prime add-ons: IndiGo BluChip floats ~Rs0.40-0.60 toward IndiGo fares (min 500); no fixed value.
Welcome Benefits
2,500 IndiGo BluChips welcome voucher — renews annually on fee payment
Milestone Rewards
  • ₹1,50,000 / annual: 4,000 IndiGo BluChips bonus voucher
  • ₹4,00,000 / annual: Additional 4,000 IndiGo BluChips bonus voucher
  • ₹7,50,000 / annual: Additional 4,000 IndiGo BluChips bonus voucher
  • ₹12,00,000 / annual: Additional 4,000 IndiGo BluChips bonus voucher
Domestic Lounge Access
N/A
International Lounge Access
N/A
Travel
Co-branded with IndiGo; 19 miles per ₹100 on indigo flights direct.
Movie & Dining
N/A
Golf
N/A
Insurance Benefits
N/A
Other Benefits
  • IndiGo priority check-in — Priority check-in counter access on IndiGo bookings made with the card.
  • IndiGo preferred seat selection — Complimentary preferred seat selection on IndiGo.

See the math — accelerations & caps

What you'd realistically keep — caps applied, channel premiums cut when you don't route through them, realized redemption value.

  • Dining & food delivery₹72/mo

    You spend ₹8,000 · earns 0.9% = ₹72 uncapped

    • Valued at realized redemption value

Base-rate spend

Non-accelerated spend, summarized at this card's base rate.

  • Online shopping₹15,000 · 0.5% = ₹68/mo
  • Groceries₹8,000 · 0.5% = ₹36/mo
  • Fuel₹4,000 · 0.0% = ₹0/mo
  • Travel & hotels₹10,000 · 0.5% = ₹45/mo

    Travel & hotels — earns base; accelerated rate needs booking via indigo-app, indigo-web

  • Utilities & bills₹5,000 · 0.0% = ₹0/mo
Est.net rewards for this spend, realistic
₹1,146/yr

₹2,646 rewards − ₹1,500 annual fee. Estimate for the spend you entered.

Fees & Charges

Spend-Based Waiver
Not waivable
Rewards Redemption Fee
N/A
Foreign Currency Markup
3.50%
Interest Rates
3.50% per month (42.0% annualised)
Fuel Surcharge Waiver
1.0% waiver on transactions between ₹500 and ₹3,000, capped at ₹3,500 per annual.
Cash Advance Charges
2.5% or ₹300 (whichever is higher)

Product Details

  • Co-branded mid card by Kotak Mahindra Bank and IndiGo.
  • Joining / annual fee of ₹1,500 + GST.
  • Available on the Mastercard network.

Pros & Cons

Pros
  • Milestone-based bonus rewards on annual / quarterly spend thresholds.
  • Accelerated earn worth ≈8.6% on indigo flights direct.
Cons
  • No annual-fee waiver option.
  • Standard forex markup of 3.50% — suboptimal for international spend.
  • No rewards on fuel spends.
  • No complimentary airport lounge access.
Pros & cons are heuristically derived from the card's fees, rewards and benefits. Not editorial opinion.

₹2,500 welcome benefit

  • 2,500 IndiGo BluChips welcome voucher — renews annually on fee payment
    Joining fee paid
    Window: 90 days from issuance.

Accelerated rewards

  • 19 miles per ₹100 on indigo flights direct
    Merchants: indigo-web, indigo-app
    Up to 19 visible BluChips per ₹100 on IndiGo web/app bookings. Decomposes as ~5 card + 4 channel-bonus + 8 BluChip-member + up to 4 tier; only the 5 is card-attributable. The remainder is stacked from loyalty_program: indigo-bluchip at calculator time.
  • 2 miles per ₹100 on dining entertainment
Capping rules
  • Card earns 1 BluChip per ₹100 on default spends; IndiGo earn-rate stacks only when booking through IndiGo web/app.

Exclusions

The following spend categories earn no rewards on this card:

  • fuel
  • wallet loads
  • rent
  • education
  • government
  • utilities
  • emi

Milestone benefits

  • ₹1,50,000 / annual: 4,000 IndiGo BluChips bonus voucher (≈ ₹4,000 value)
  • ₹4,00,000 / annual: Additional 4,000 IndiGo BluChips bonus voucher (≈ ₹4,000 value)
  • ₹7,50,000 / annual: Additional 4,000 IndiGo BluChips bonus voucher (≈ ₹4,000 value)
  • ₹12,00,000 / annual: Additional 4,000 IndiGo BluChips bonus voucher (≈ ₹4,000 value)

Fuel surcharge waiver

1.0% waiver on fuel transactions between ₹500 and ₹3,000, capped at ₹3,500 per annual.

Other benefits

  • IndiGo priority check-in. Priority check-in counter access on IndiGo bookings made with the card.
  • IndiGo preferred seat selection. Complimentary preferred seat selection on IndiGo.

Sources

Last verified 5 Jul 2026. Verify with the issuer before applying.

Eligibility

Age
18–65
Credit score
720+
Income (salaried)
₹3,00,000 p.a.
Income (self-employed)
₹3,00,000 p.a.
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