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Kotak Mahindra Bank · Visa / RuPay · हिन्दी

IndiGo Kotak Credit Card: full review

The IndiGo Kotak Credit Card is a solid choice for frequent IndiGo flyers who want a mid-tier co-brand card. The welcome and renewal vouchers worth ~₹1,000–1,500 together nearly cover the annual fee, and milestone bonuses reward consistent spenders. The lack of lounge access is a clear gap at ₹1,500, where the IndiGo Kotak XL makes more sense if you fly often enough. Choose this over the Axis variant if you prefer Kotak or want the milestone voucher structure; choose Axis if lounge access on spend matters.

Apply now ↗Annual fee: ₹1,500 + taxes
Last updated: August 2026 · Current terms verified
KOTAK MAHINDRA B
VISA
)))
INDIGO
ASHOK KUMAR
12/28
₹1,500 + taxes (no waiver)Annual fee
5 BluChips/₹100 on IndiGo bookings via IndiGo channels; 2 BluChips/₹100 on dining and entertainment; 1 BluChip/₹100 on all other spends; 1 BluChip ≈ ₹0.40–0.60 in IndiGo fare valueReward structure
NoneLounge access
5 BluChips/₹100 on IndiGo bookings via website or app (2–3% value depending on tier)2 BluChips/₹100 on dining and entertainment (1% value)1 BluChip/₹100 on all other eligible spends (0.5% value)Welcome voucher worth 2,500 BluChips on fee payment (~₹1,000–1,500 in IndiGo value)Milestone vouchers: 2,500 BluChips each at ₹1.25L, ₹2.5L, and ₹6L annual spendRenewal voucher: 2,500 BluChips on annual fee paymentBluChips valid for 24 months; extended on any activity, effectively lifetimeRuPay variant earns 1 BluChip/₹100 on UPI spendsTier-based bonus BluChips via IndiGo BluChip Program (Blu 3 / Blu 2 / Blu 1)No blackout dates on BluChip redemptions
Apply now ↗ Min. income: ₹3L+ per year · Credit score: 700+
Pros and cons
Pros
✓ Welcome + renewal vouchers worth ~₹1,000–1,500 each partially offset the ₹1,500 fee
✓ Milestone structure rewards consistent IndiGo flyers well
✓ BluChips never expire with any card activity, no points burn anxiety
✓ RuPay UPI rewards available on the RuPay variant
✓ No cap on BluChip earnings
Cons
✗ No airport lounge access at any spend level
✗ BluChips redeemable only on IndiGo, zero flexibility
✗ 3.5% forex markup, not suitable for international travel
✗ Base rate of 0.5% on non-IndiGo, non-dining spend is low for a ₹1,500 fee card
✗ No rewards on rent, wallet loads, education, government, insurance spends
Quick facts
Issuer Kotak Mahindra Bank
Network Visa / RuPay
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → ₹1,500 + taxes (no waiver)
Joining feeA one-time fee charged when you first get the card, separate from the recurring annual fee.Full definition → ₹1,500
Lounge accessFree entry to airport lounges, usually limited to a set number of visits per quarter or year.Full definition → None
Forex markupThe extra fee your bank adds on top of the real exchange rate for any spend in a foreign currency.Full definition → 3.5%
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → ₹3L+ per year
Min. credit scoreYour 3-digit credit score (300-900), higher scores make approval easier and can unlock better cards.Full definition → 700+
SourceKotak Mahindra Bank's published card terms and official card page · Last updated August 2026
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Frequently asked questions
The annual fee for IndiGo Kotak Credit Card is ₹1,500 + taxes (no waiver). The joining fee is ₹1,500.
5 BluChips/₹100 on IndiGo bookings via IndiGo channels; 2 BluChips/₹100 on dining and entertainment; 1 BluChip/₹100 on all other spends; 1 BluChip ≈ ₹0.40–0.60 in IndiGo fare value
IndiGo Kotak Credit Card is best for Regular IndiGo flyers who want flight rewards with no lounge expectations. The IndiGo Kotak Credit Card is a solid choice for frequent IndiGo flyers who want a mid-tier co-brand card. The welcome and renewal vouchers worth ~₹1,000–1,500 together nearly cover the annual fee, and milestone bonuses reward consistent spenders. The lack of lounge access is a clear gap at ₹1,500, where the IndiGo Kotak XL makes more sense if you fly often enough. Choose this over the Axis variant if you prefer Kotak or want the milestone voucher structure; choose Axis if lounge access on spend matters.
The minimum income requirement for IndiGo Kotak Credit Card is ₹3L+ per year. A minimum credit score of 700+ is also recommended.
IndiGo Kotak Credit Card does not offer airport lounge access.
IndiGo Kotak Credit Card charges a 3.5% foreign currency markup on international transactions. This is in line with the standard 3.5% charged by most Indian credit cards.
Related guides
Best Travel Credit Cards →Best Premium Credit Cards →Best Super Premium Credit Cards →Best Credit Cards for International Travel →Best Airline Credit Cards →
Card reviews
IDFC FIRST Ashva Credit CardFrequent travellers who book hotels and flights through the IDFC FIRST Bank app specifically, where the real redemption value is highest; weak for everyday spending outside the appAxis Bank Select Credit CardHigher spenders (₹6L+ income) who will spend ₹3L+ a year, want international lounge access through Priority Pass with 12 visits, and want a 2% earn rate on everyday retail spendsAxis Bank Privilege Credit CardModerate-to-high spenders in the ₹6-15L income range who will hit the lounge spend gate every quarter and want a simple, uncapped reward rate without chasing accelerated categoriesRBL Bank IRCTC Credit CardFrequent IRCTC train travellers who will use the railway lounges and want cancellation protection, not a general-purpose rewards card
Compare with similar cards
IndiGo Kotak vs IndiGo Kotak XL Compare →IndiGo Kotak vs IndiGo Axis Bank Compare →
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IndiGo Kotak₹1,500 + taxes
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