IndiGo Kotak XL Credit Card

Joining Fee

Free

Annual Fee

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

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.

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

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.

Related Travel Cards

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

View all Travel cards

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