IndiGo Kotak Credit Card
Kotak Mahindra Bank
The lower-fee IndiGo-branded entry point — solid BluChip earning without the Premium tier's lounge access or higher fee.
₹1,500
Joining fee
₹1,500
Annual fee
No spend-based waiver available; joining/annual fee Rs 1,500 standard, Rs 700 for legacy 6E Rewards cardholders migrated to this card.
3.5%
Forex markup
4.0 / 5
Rating
Eligibility
No minimum income specified
No minimum CIBIL score required
Key features
- Earn up to 19 IndiGo BluChips per ₹100 on eligible IndiGo flight bookings
- 2,500 IndiGo BluChips welcome benefit voucher
- Spend-based milestone vouchers worth up to 7,500 IndiGo BluChips
- Earn 2 IndiGo BluChips per ₹100 on dining and entertainment spends
- Earn 1 IndiGo BluChip per ₹100 on other eligible spends
- No annual cap on IndiGo BluChip earnings
Reward details
1 BluChip per Rs 100 on other categories
- DISCREPANCY: official states up to 19 BluChips/Rs100 (8 base + 3 card + 4 channel + up to 4 tier); CardInsider states a flat 5 BluChips/Rs100 on IndiGo flight spend
- 2 BluChips per Rs 100, unlimited on Dining & entertainment
- 1 BluChip per Rs 100 (certain exclusion MCCs earn zero) on UPI spends
Welcome bonus: 2,500 BluChips voucher; renewal benefit also 2,500 BluChips voucher, valid 6 months from issuance
- Rs 1.25L/2.5L/6L annual spend tiers: up to 7,500 BluChips annually (official); CardInsider states the 7,500 milestone is reached specifically at Rs 6L spend
Redemption
Redeemable via IndiGo website/app only.
Ratio: BluChip value estimated Rs 0.40-0.60 each (CardInsider); BluChips have lifetime validity
Excluded from rewards: Certain MCC codes on UPI spend earn zero BluChips
- Legacy '6E Rewards' cardholders were automatically migrated to this card at a discounted Rs 700 fee.
Real-world feedback
Sourced from user reviews and comparison sites (aggregator/user-sourced), not confirmed by the bank.
Praise
- Offers practical savings for IndiGo loyalists — CardInsider
Complaints
- Entry-level, lacking travel protections/insurance vs premium alternatives; no lounge access despite travel branding; no fee waiver option — CardInsider
Sources
- Official — fees, rewards breakdown
- Aggregator — forex, rewards, sentiment