MyFinCards
IndiGo Kotak Credit Card

Joining Fee

Free

Annual Fee

Rs. 0 + Taxes

Kotak Bank
Travel
Rewards
Best For: Frequent IndiGo flyers, Dining and entertainment spenders

IndiGo Kotak Credit Card

Rewards Structure

Base Reward Rate

1% on spends

Point Value

1 Point = ₹0.01

0

Pros

  • Zero joining fee
  • Up to 19 BluChips per ₹100 on IndiGo bookings
  • Lifetime validity on IndiGo BluChips
  • Milestone vouchers worth up to 7,500 BluChips annually
  • Unlimited earning on Dining & Entertainment

Cons

  • Welcome, milestone and renewal vouchers have only 6-month validity
  • High spend thresholds required for milestone benefits
  • Annual fee applicable for renewal benefit

Hidden Catches (Transparency Policy)

To build trust with our users, we highlight the fine print that issuers often tuck away in policy documents.

BluChip vouchers (welcome, milestone, renewal) expire in 6 months from issuance

UPI on Credit Card spends (RuPay) earn only 1 BluChip per ₹100 except excluded MCCs

Up to 4 bonus BluChips per ₹100 depend on IndiGo BluChip Tier status

Key Benefits & Features

Renewal benefit voucher of 2,500 IndiGo BluChips on payment of annual fee each year

Earn up to 19 IndiGo BluChips per ₹100 on IndiGo flight bookings via website/app

Earn 2 IndiGo BluChips per ₹100 on Dining & Entertainment spends (unlimited)

Earn 1 IndiGo BluChip per ₹100 on all other category spends (unlimited)

Eligibility Criteria

Occupation

SALARIED

Notable Exclusions

No rewards on excluded MCC codes for RuPay UPI on Credit Card spends

*Exclusions may apply to EMI transactions, fuel, and wallet reloads based on current bank policy.

Official Terms & Conditions

About IndiGo Kotak Credit Card

The IndiGo Kotak Credit Card is a co-branded travel rewards card designed for frequent IndiGo flyers who want to maximize earnings on every purchase. Built around IndiGo's BluChips loyalty program, the card allows cardholders to earn and redeem BluChips directly toward IndiGo flight bookings, making it a natural fit for those who regularly travel with the airline. The card's standout feature is its accelerated earning potential on IndiGo bookings, where cardholders can earn up to 19 IndiGo BluChips per ₹100 spent through the IndiGo website or mobile app, combining base rewards, card bonuses, and tier-based benefits. Beyond flights, the card earns 2 BluChips per ₹100 on dining and entertainment spends, and 1 BluChip per ₹100 on all other eligible purchases, ensuring rewards accumulate across everyday spending categories. New cardholders receive a welcome benefit of 2,500 IndiGo BluChips, while annual milestone spends of ₹1.25 lakh, ₹2.5 lakh, and ₹6 lakh unlock additional vouchers worth up to 7,500 BluChips per year. A renewal benefit voucher of 2,500 BluChips is also awarded upon annual fee payment. Notably, IndiGo BluChips earned through purchases carry lifetime validity, making this card a rewarding long-term companion for loyal IndiGo travelers.

Expert Review

Our Verdict

Earn up to 19 IndiGo BluChips per ₹100 on IndiGo bookings with zero joining fee and milestone vouchers.

Frequently Asked QuestionsAbout IndiGo Kotak Credit Card

BENEFITSWhat is the welcome benefit on the IndiGo Kotak Credit Card?
Upon getting the IndiGo Kotak Credit Card, you receive a welcome benefit voucher worth 2,500 IndiGo BluChips. This helps you kickstart your travel rewards journey right from the very first day of card issuance. Note that welcome benefit vouchers have a validity of 6 months from the date of issuance, so make sure to redeem them before they expire.
REWARDSHow many IndiGo BluChips can I earn on IndiGo flight bookings?
You can earn up to 19 IndiGo BluChips per ₹100 spent on IndiGo flight bookings. This is broken down as follows: 8 BluChips for being an IndiGo BluChip member, 3 BluChips for using the IndiGo Kotak Credit Card, 4 BluChips for booking via the IndiGo website or mobile app, and up to 4 bonus BluChips based on your IndiGo BluChip Tier status.
REWARDSHow many IndiGo BluChips do I earn on Dining and Entertainment spends?
You earn 2 IndiGo BluChips per ₹100 spent on all Dining and Entertainment spends with the IndiGo Kotak Credit Card. There is no cap on earnings in this category, meaning you can earn unlimited BluChips on your dining and entertainment expenses throughout the year.
REWARDSWhat do I earn on spends in categories other than IndiGo, Dining, and Entertainment?
For all other categories not covered under accelerated earning, you earn 1 IndiGo BluChip per ₹100 spent. This is an unlimited earning benefit, meaning there is no cap on how many BluChips you can accumulate through general spends. However, certain exclusion MCC codes may not be eligible for rewards. For RuPay cardholders, UPI on Credit Card spends also earn 1 BluChip per ₹100 spent, except on excluded MCC codes.
BENEFITSWhat are the milestone benefits on the IndiGo Kotak Credit Card?
The IndiGo Kotak Credit Card offers milestone vouchers worth up to 7,500 IndiGo BluChips per anniversary year. You earn a voucher of 2,500 BluChips on spending ₹1.25 lakh, another 2,500 BluChips voucher on spending ₹2.5 lakh, and a third voucher of 2,500 BluChips on spending ₹6 lakh within your anniversary year. These milestone vouchers have a validity of 6 months from the date of issuance.
REWARDSWhat is the validity of IndiGo BluChips earned through this card?
IndiGo BluChips earned through regular spends on the IndiGo Kotak Credit Card have lifetime validity, so you never have to worry about them expiring. However, IndiGo BluChips vouchers credited as welcome benefits, milestone rewards, or renewal benefits have a limited validity of 6 months from the date of issuance. It is important to redeem these vouchers within this period.
BENEFITSIs there a renewal benefit on the IndiGo Kotak Credit Card?
Yes, the IndiGo Kotak Credit Card offers a renewal benefit voucher worth 2,500 IndiGo BluChips upon payment of the annual fee each year. This helps offset the cost of renewing the card and keeps your BluChips accumulation going. Please note that the renewal benefit voucher has a validity of 6 months from the date of issuance, so ensure timely redemption.
FEESWhat are the joining and annual fees for the IndiGo Kotak Credit Card?
The IndiGo Kotak Credit Card comes with zero joining fee, making it free to acquire. However, an annual fee is applicable for the renewal benefit each year. The exact annual fee amount is not publicly listed on the card page, so it is recommended to check the Fees and Charges section on the official Kotak Mahindra Bank website or contact customer support at 1800 4100 for the most accurate and up-to-date fee details.
APPLICATIONHow can I apply for the IndiGo Kotak Credit Card?
You can apply for the IndiGo Kotak Credit Card online by clicking the 'Apply Now' button on the official IndiGo Kotak Credit Card page at kotak.com. You can also visit your nearest Kotak Mahindra Bank branch to apply in person. For assistance, you may call the toll-free number 1800 4100 or write to customersupport@kotak.com. Make sure to have your identity, address, and income documents ready before applying.
DOCUMENTSWhat documents are typically required to apply for the IndiGo Kotak Credit Card?
While specific documentation requirements are not listed on the card page, standard documents typically required for a Kotak credit card application include: a duly filled application form, PAN card, proof of identity (Aadhaar, passport, or voter ID), proof of address (utility bills, Aadhaar, or passport), and proof of income (latest salary slips, Form 16, or ITR). It is advisable to check the bank's official website or contact customer care for exact documentation requirements.
ELIGIBILITYWho is eligible to apply for the IndiGo Kotak Credit Card?
The specific eligibility criteria such as minimum age, minimum income, and employment type are not explicitly listed on the IndiGo Kotak Credit Card page. Generally, Kotak credit cards require applicants to be Indian residents with a stable income source, a good credit score, and meet the minimum age requirement. For accurate eligibility details, it is recommended to visit the official Kotak Mahindra Bank website or contact customer care at 1800 4100.
USAGEHow can I redeem IndiGo BluChips earned through this credit card?
IndiGo BluChips earned through the IndiGo Kotak Credit Card can be redeemed while booking IndiGo flights on the IndiGo website or mobile app. Simply log in to your IndiGo BluChip account during the booking process and apply your accumulated BluChips to offset the ticket cost. For voucher-based BluChips (welcome, milestone, renewal), redeem them within 6 months of issuance as they carry a limited validity.
USAGEDoes the IndiGo Kotak Credit Card offer any benefits for UPI payments?
Yes, for RuPay variant cardholders, all UPI on Credit Card spends will accrue 1 IndiGo BluChip per ₹100 spent. However, spends done in exclusion MCC (Merchant Category Codes) will not earn any rewards. This makes the RuPay variant of the IndiGo Kotak Credit Card useful for everyday UPI-based transactions, allowing you to accumulate BluChips even on digital payments.
INTERNATIONALCan I use the IndiGo Kotak Credit Card for international transactions?
The IndiGo Kotak Credit Card can generally be used for international transactions depending on the card network. The specific forex markup rate and international usage details are not listed on the official card page. It is recommended to check the Fees and Charges section on the Kotak Mahindra Bank website or contact customer support at 1800 4100 (toll-free) to understand forex charges and international usage terms before travelling abroad.
CANCELLATIONHow do I cancel or close my IndiGo Kotak Credit Card?
To cancel or close your IndiGo Kotak Credit Card, you can contact Kotak Mahindra Bank's customer care by calling the toll-free number 1800 4100, writing to customersupport@kotak.com, or submitting a service request through the Kotak Mobile Banking App or Netbanking portal. Before cancelling, ensure all outstanding dues are cleared and any accumulated IndiGo BluChips are redeemed, as unused BluChips may be forfeited upon card closure.

Related Travel Cards

Explore other premium credit cards that offer similar benefits and rewards.

View all Travel cards
811 Dream Different Credit Card
RewardsCashbackFuel

811 Dream Different Credit Card

Interest-free cash withdrawal up to 48 days; cash withdrawal up to 90% of total credit limit; Rs. 100 processing fee per ATM withdrawal

Credit limit up to 90% of fixed deposit amount; credit limit known upfront at time of application

Joining Fee
N/A
Annual Fee
Rs. 0 + Taxes
ACE Credit Card
Rewards

ACE Credit Card

Detailed benefits inside

Joining Fee
₹499
Annual Fee
₹499
Adani One Platinum
TravelLifestyleRewardsFuel

Adani One Platinum

2 instances of Valet Parking annually at Adani-managed airports

2 instances of Premium car parking on card activation

Joining Fee
₹750
Annual Fee
₹750

More from Kotak Bank

Discover the full range of credit cards offered by Kotak Bank to find the perfect fit for your finances.

View all Kotak Bank cards
811 Dream Different Credit Card
RewardsCashbackFuel

811 Dream Different Credit Card

Interest-free cash withdrawal up to 48 days; cash withdrawal up to 90% of total credit limit; Rs. 100 processing fee per ATM withdrawal

Credit limit up to 90% of fixed deposit amount; credit limit known upfront at time of application

Joining Fee
N/A
Annual Fee
Rs. 0 + Taxes
Biz Credit Card
BusinessRewardsFuelTravel

Biz Credit Card

Railway surcharge waiver: 1.8% on IRCTC website and 2.5% at Indian Railways Booking Counters. Max Rs.500 per calendar year.

EMV Chip and 6-digit PIN for enhanced card security.

Joining Fee
₹299
Annual Fee
₹499
Corporate Gold Credit Card
BusinessRewardsFuel

Corporate Gold Credit Card

Up to 48 days interest free credit period on purchases

Consolidated monthly statement and single payment for all employee cards

Joining Fee
N/A
Annual Fee
₹1,000