IndiGo Kotak Premium Credit Card
Kotak Mahindra Bank
The premium IndiGo-branded pick — noticeably higher BluChip rate and welcome benefit than the base card.
₹3,000
Joining fee
₹3,000
Annual fee
No annual fee waiver mentioned by either source; Rs 3,000 + taxes flat, both joining and annual.
3.5%
Forex markup
4.3 / 5
Rating
Eligibility
Estimated minimum income: ₹60,000+/month
Estimated — not officially confirmed by the bank.
Estimated minimum CIBIL score: 730+
Estimated — not officially confirmed by the bank.
Age: 21+
Cardholders must enroll in IndiGo's BluChip Program at Blu 3 tier to access benefits (Paisabazaar); MyRupaya separately states stable income, good credit score, standard KYC, not corroborated by official page.
Sources disagree: Card referred to as 'IndiGo XL Credit Card' on Kotak's own official URL path and by Paisabazaar, while MyRupaya calls it 'IndiGo Kotak Premium Credit Card' with identical reward figures — treated as the same product, flagged for naming confusion.
Lounge access
Domestic: 2 complimentary visits per quarter (8/year), NOT gated by any spend condition per official page — no eligibility criterion required for lounge access
International: not offered — both sources confirm none
Key features
- Up to 21 BluChips/₹100 on IndiGo bookings
- 4,000 BluChips welcome
- 6E Eats voucher
- Milestone vouchers up to 16,000 BluChips
Reward details
2 BluChips per Rs 100 on other categories, unlimited
- up to 21 BluChips per Rs 100 (official and Paisabazaar agree); MyRupaya states 17 BluChips per Rs 100 — minor discrepancy on IndiGo flight bookings
- 3 BluChips per Rs 100, unlimited on Dining & entertainment
- 2 BluChips per Rs 100 in most categories; certain MCC codes earn none on UPI spend
Welcome bonus: 4,000 BluChips voucher plus a 6E Eats voucher
- Rs 1.5L/4L/7.5L/12L annual spend: vouchers up to 16,000 BluChips annually
Redemption
Redeemable only for IndiGo flight bookings, including codeshare flights per aggregator; vouchers valid 6 months from issuance.
Excluded from rewards: Certain MCC codes on UPI spend earn no rewards
Real-world feedback
Sourced from user reviews and comparison sites (aggregator/user-sourced), not confirmed by the bank.
Praise
- Welcome and renewal benefits worth Rs 4,000+ attract new users; accelerated rewards on everyday categories add practical value — Paisabazaar
- One of the finest airline co-branded credit cards for frequent IndiGo travelers — MyRupaya
Complaints
- No annual fee waiver; no international lounge access; reward redemption limited strictly to IndiGo and codeshare flights, restricting flexibility; a high Rs 12 lakh annual spend milestone is needed to maximize benefits — Paisabazaar
Sources
- Official — lounge, rewards
- Aggregator — fees, rewards, sentiment
- Aggregator — eligibility, rewards (naming variant)