IndiGo Kotak Premium Credit Card
Updated 5 Jul 2026Source-linked
The IndiGo Kotak Premium Credit Card is a premium co-branded credit card from Kotak Mahindra Bank and IndiGo, with a joining fee of ₹3,000 + GST.
It earns up to 21 miles per ₹100 (≈9.5% value) on IndiGo spends in the form of indigo bluchips (miles).
Cardholders get 2 quarterly domestic airport lounge access, plus 2,500 indigo bluchips welcome voucher — renews annually on fee payment as a welcome benefit.
IndiGo Kotak Premium Credit Card
- Joining Fee₹3,000
- Annual Fee₹3,000
- Best Suited ForTravel
- Reward TypeIndiGo BluChips (miles)
Rewards Rate
- 21 miles per ₹100 on indigo flights direct
- 2 miles per ₹100 on dining entertainment
- Base 1.00% on other spends
Welcome Benefits
- 2,500 IndiGo BluChips welcome voucher — renews annually on fee payment
Data verified 5 Jul 2026 — see our methodology
Rewards and Benefits
Rewards Rate
21 miles per ₹100 on indigo flights direct
2 miles per ₹100 on dining entertainment
Base 1.00% 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
2 visits each quarterly.
International Lounge Access
N/A
Travel
Co-branded with IndiGo; 21 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.
- IndiGo preferred seat selection — Complimentary preferred seat selection on IndiGo.
- IndiGo baggage assistance — Baggage assistance services at select airports via 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 · 0.9% = ₹135/mo
- Groceries₹8,000 · 0.9% = ₹72/mo
- Fuel₹4,000 · 0.0% = ₹0/mo
- Travel & hotels₹10,000 · 0.9% = ₹90/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
₹1,428/yr₹4,428 rewards − ₹3,000 annual fee. Estimate for the spend you entered.
Fees & Charges
Spend-Based Waiver
Not waivable
Rewards Redemption Fee
N/A
Foreign Currency Markup
2.50%
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 premium card by Kotak Mahindra Bank and IndiGo.
- Joining / annual fee of ₹3,000 + GST.
- Available on the Mastercard network.
- Complimentary airport lounge access: domestic (2/quarterly).
Pros & Cons
Pros
- Low forex markup of 2.50% — suited to international spends.
- Complimentary domestic airport lounge access (2/quarterly).
- Milestone-based bonus rewards on annual / quarterly spend thresholds.
- Accelerated earn worth ≈9.5% on indigo flights direct.
Cons
- No annual-fee waiver option.
- No rewards on fuel spends.
₹2,500 welcome benefit
- 2,500 IndiGo BluChips welcome voucher — renews annually on fee paymentJoining fee paidWindow: 90 days from issuance.
Accelerated rewards
- 21 miles per ₹100 on indigo flights directMerchants: indigo-web, indigo-appUp to 21 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. Higher visible rate than the base XL variant comes from the elevated card-side bonus, not stacking — the rest is the same programme math.
- 2 miles per ₹100 on dining entertainment
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)
Airport lounge access
Domestic
2 visit(s) / quarterly. Via dreamfolks.
2 complimentary domestic lounge visits per quarter (8 per year) via Dreamfolks.
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.
- IndiGo preferred seat selection. Complimentary preferred seat selection on IndiGo.
- IndiGo baggage assistance. Baggage assistance services at select airports via IndiGo.
Sources
- : www.kotak.bank.in · retrieved 3 Jul 2026
Last verified 5 Jul 2026. Verify with the issuer before applying.
Eligibility
- Age
- 18–65
- Credit score
- 750+
- Income (salaried)
- ₹6,00,000 p.a.
- Income (self-employed)
- ₹6,00,000 p.a.