IndiGo Kotak XL Credit Card
Updated 22 Apr 2026Source-linked
The IndiGo Kotak XL 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% back 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 XL Credit Card
- Joining Fee₹3,000
- Annual Fee₹3,000
- Best Suited ForTravel
- Reward TypeIndiGo BluChips (miles)
Rewards Rate
- 21% on indigo flights direct
- 2% on dining entertainment
- Base 2.00% on other spends
Welcome Benefits
- 2,500 IndiGo BluChips welcome voucher — renews annually on fee payment
Rewards and Benefits
Rewards Rate
21% on indigo flights direct
2% on dining entertainment
Base 2.00% on other spends.
Reward Redemption
IndiGo flights + 6E Prime add-ons: Redeemable 1:1 on IndiGo bookings and 6E Prime add-ons only. No airline / hotel transfer partners.
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% 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.
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
- Strong base reward rate of 2.00%.
- 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 rate of 21% on indigo flights direct.
Cons
- No annual-fee waiver option.
- No rewards on fuel spends.
- Rewards redeemable only with IndiGo flights + 6E Prime add-ons.
₹2,500 welcome benefit
- 2,500 IndiGo BluChips welcome voucher — renews annually on fee paymentJoining fee paidWindow: 90 days from issuance.
Accelerated rewards
- 21% 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% 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.paisabazaar.com · retrieved 22 Apr 2026
- : cardinsider.com · retrieved 22 Apr 2026
Last verified 22 Apr 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.