MyFinCards
IndiGo Kotak XL Credit Card

Joining Fee

Free

Annual Fee

Rs. 1500 (Reversed on annual spends of Rs. 2 Lakhs)

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

IndiGo Kotak XL Credit Card

Rewards Structure

Base Reward Rate

2% on spends

Point Value

1 Point = ₹0.25

Earning Cap

₹5,000 /monthly

Pros

  • Earn up to 21 IndiGo BluChips per ₹100 on IndiGo bookings
  • Welcome and renewal benefit vouchers of 4,000 BluChips + 6E Eats
  • Milestone vouchers of up to 16,000 IndiGo BluChips annually
  • Domestic lounge access 8 times per year (2 per quarter)
  • IndiGo BluChips have lifetime validity
  • Unlimited 3 BluChips per ₹100 on Dining & Entertainment

Cons

  • BluChips vouchers (welcome, milestone, renewal) valid only 6 months from issuance
  • Accelerated earnings on IndiGo limited to IndiGo website and mobile app bookings
  • UPI on Credit Card spends earn only base rate of 2 BluChips per ₹100 (RuPay)

Hidden Catches (Transparency Policy)

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

Bonus BluChips on IndiGo bookings depend on IndiGo BluChip Tier status

Certain MCC codes excluded from rewards for RuPay UPI on Credit Card spends

Key Benefits & Features

Welcome benefit: 4,000 IndiGo BluChips voucher and 6E Eats voucher on card activation

Renewal benefit: 4,000 IndiGo BluChips voucher and 6E Eats voucher on payment of annual fee

Eligibility Criteria

Occupation

SALARIED

Required Documents

IDENTITY Proof

PAN Card
Aadhaar Card

Notable Exclusions

No rewards on certain exclusion 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 XL Credit Card

The IndiGo Kotak XL Credit Card is designed for frequent IndiGo flyers and travel enthusiasts who want to turn everyday spending into flight opportunities. Co-branded by Kotak Mahindra Bank and IndiGo, the card rewards cardholders with IndiGo BluChips on every purchase, which can be redeemed directly while booking IndiGo flights. New cardholders receive a welcome benefit of 4,000 IndiGo BluChips voucher along with a 6E Eats voucher, making it rewarding from day one. The card offers accelerated earnings on IndiGo bookings, with up to 21 IndiGo BluChips per ₹100 spent when booking through the IndiGo website or mobile app, depending on the cardholder's BluChip tier status. Dining and entertainment spends earn 3 BluChips per ₹100, while all other categories earn 2 BluChips per ₹100. Cardholders also enjoy complimentary access to domestic airport lounges twice per calendar quarter, providing added comfort during travels. Annual milestone benefits further enhance the card's value, offering vouchers worth up to 16,000 IndiGo BluChips when spending targets of ₹1.5L, ₹4L, ₹7.5L, and ₹12L are reached within the anniversary year. Renewal benefits include a 4,000 IndiGo BluChips voucher and a 6E Eats voucher upon annual fee payment. Notably, IndiGo BluChips earned through spends carry lifetime validity, making this card an excellent companion for dedicated IndiGo travelers.

Expert Review

Our Verdict

Earn up to 21 IndiGo BluChips per ₹100 on IndiGo bookings with lounge access & milestone vouchers.

Frequently Asked QuestionsAbout IndiGo Kotak XL Credit Card

REWARDSHow many IndiGo BluChips can I earn per ₹100 spent on IndiGo flight bookings?
You can earn up to 21 IndiGo BluChips per ₹100 spent on IndiGo flight bookings made through the IndiGo website or mobile app. This includes 8 BluChips as an IndiGo BluChip member, 5 BluChips for using the IndiGo Kotak Credit Card, 4 BluChips for booking through IndiGo's website or app, and up to 4 bonus BluChips based on your IndiGo BluChip Tier status.
BENEFITSWhat is the welcome benefit on the IndiGo Kotak XL Credit Card?
When you get the IndiGo Kotak XL Credit Card, you receive a welcome benefit voucher worth 4,000 IndiGo BluChips along with a 6E Eats voucher. These welcome benefits help you kickstart your IndiGo Kotak Credit Card journey with immediate value. Please note that the BluChips voucher is valid for 6 months from the date of issuance.
REWARDSWhat are the milestone benefits on the IndiGo Kotak XL Credit Card?
You can earn vouchers of up to 16,000 IndiGo BluChips each anniversary year through four milestone tiers: 4,000 BluChips on spending ₹1.5 lakh, another 4,000 BluChips on spending ₹4 lakh, a third 4,000 BluChips on spending ₹7.5 lakh, and a fourth 4,000 BluChips on spending ₹12 lakh — all within the anniversary year. Each milestone voucher is valid for 6 months from the date of issuance.
BENEFITSHow many complimentary domestic lounge accesses do I get with this card?
The IndiGo Kotak XL Credit Card offers 8 complimentary domestic lounge accesses per year, with a limit of 2 accesses per calendar quarter. You can visit Kotak Bank's official page to view all available lounges under the lounge program. Terms and conditions apply for lounge access usage.
REWARDSHow many BluChips do I earn on dining and entertainment spends?
With the IndiGo Kotak XL Credit Card, you earn an unlimited 3 IndiGo BluChips per ₹100 spent on all dining and entertainment spends. This accelerated earning rate applies without any cap, making it a great card to use for everyday dining and entertainment expenses in addition to IndiGo flight bookings.
REWARDSWhat is the reward rate for other general spends on this card?
For all spending categories other than IndiGo bookings and dining and entertainment, the IndiGo Kotak XL Credit Card earns 2 IndiGo BluChips per ₹100 spent. This base rate applies to most general purchases. Note that certain exclusion merchant category codes (MCCs) may not earn any BluChips. For UPI on Credit Card spends (RuPay), the earning rate is also 2 BluChips per ₹100.
REWARDSDo IndiGo BluChips expire?
IndiGo BluChips earned through regular spends on the IndiGo Kotak XL Credit Card have lifetime validity, so you never have to worry about losing them. However, BluChips vouchers credited as welcome benefits, milestone benefits, or renewal benefits have a validity of 6 months from the date of issuance. Make sure to redeem these vouchers within the 6-month window to avoid losing their value.
BENEFITSWhat are the renewal benefits on the IndiGo Kotak XL Credit Card?
On payment of the annual fee each year, you receive a renewal benefit voucher worth 4,000 IndiGo BluChips along with a 6E Eats voucher. This makes the card renewal worthwhile as the benefits help offset the annual fee cost. The BluChips renewal voucher is valid for 6 months from the date of issuance.
USAGECan I earn accelerated BluChips on IndiGo bookings made through third-party travel portals?
No, the accelerated earning of up to 21 IndiGo BluChips per ₹100 applies only to IndiGo flight bookings made through the official IndiGo website or the IndiGo mobile app. Bookings made through third-party travel portals or agents will not qualify for the accelerated earning rate and will instead earn at the standard base rate applicable to the spend category.
USAGEHow do I redeem IndiGo BluChips earned on the IndiGo Kotak XL Credit Card?
IndiGo BluChips earned through the IndiGo Kotak XL Credit Card can be redeemed while booking IndiGo flights. You can use them directly on the IndiGo website or mobile app at the time of booking to reduce your ticket cost. The BluChips function as IndiGo's loyalty currency, allowing you to effectively convert your everyday spends into flight tickets and travel savings.
FEESWhat are the joining and annual fees for the IndiGo Kotak XL Credit Card?
The specific joining fee and annual fee details for the IndiGo Kotak XL Credit Card are not publicly listed on the card page. We recommend visiting the official Kotak Mahindra Bank website, contacting Kotak customer care at 1800 4100 (toll-free), or emailing customersupport@kotak.com to get the latest and most accurate fee information before applying for the card.
ELIGIBILITYWhat are the eligibility criteria to apply for the IndiGo Kotak XL Credit Card?
Specific eligibility details such as minimum age and minimum income requirements for the IndiGo Kotak XL Credit Card are not publicly listed on the card page. Generally, Kotak credit cards require applicants to be Indian residents with a stable income source. For precise eligibility criteria, it is best to contact Kotak Mahindra Bank's customer care at 1800 4100 (toll-free) or visit the nearest branch.
APPLICATIONHow do I apply for the IndiGo Kotak XL Credit Card?
You can apply for the IndiGo Kotak XL Credit Card online through the official Kotak Mahindra Bank website by clicking the 'Apply Now' button on the card's page. You can also apply by visiting your nearest Kotak Mahindra Bank branch. During the application process, you may be required to submit KYC documents such as identity proof, address proof, income proof, and a recent photograph.
DOCUMENTSWhat documents are required to apply for the IndiGo Kotak XL Credit Card?
While specific document requirements are not listed on the card page, typical documents required for a Kotak credit card application include: a PAN card, identity proof (Aadhaar, passport, or voter ID), address proof (Aadhaar, utility bill, or passport), recent passport-sized photographs, and income proof such as salary slips, bank statements, or IT returns for self-employed applicants. Contact Kotak Bank at 1800 4100 for the exact document checklist.
USAGEDoes the IndiGo Kotak XL Credit Card earn BluChips on UPI transactions?
Yes, for RuPay variant cardholders who use UPI on Credit Card, spends will earn 2 IndiGo BluChips per ₹100 spent. However, this is the base earning rate, and the accelerated earn rates for IndiGo bookings or dining and entertainment do not apply to UPI transactions. Additionally, spends in certain exclusion merchant category codes (MCCs) will not earn any BluChips even on UPI transactions.

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