IndiGo Kotak Credit Card

Rewards Structure

Base Reward Rate

1% on spends

Point Value

1 Point = ₹0.01

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

These details are based on information updated on 6 March 2026. Fees and benefits change often - confirm on the issuer's own page before applying.

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.

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