In-depth review
IndiGo Kotak Credit Card
The base tier of the Kotak x IndiGo co-brand at ₹1,500 — a 2,500-BluChip welcome voucher, a matching 2,500 on every renewal, and milestone vouchers worth up to 7,500 BluChips a year. Read the 'up to 19 BluChips per ₹100' headline carefully: only 3 of those come from the card. And unlike the ₹3,000 IndiGo XL, this one has no lounge access at all.
Read the full review →Key features
What this card is built to do — the highlights that actually matter.
Welcome Benefit
~₹1,050 in vouchers, points or cashback in year one — usually conditional on a first spend within 30–90 days
3 points/₹100 on Travel (~1.26% value)
3 BluChips per ₹100 from the card on IndiGo bookings. Kotak advertises "up to 19" — the rest comes from booking through IndiGo's own channels and from Blu 1 tier status, both earned with any card, and Blu 1 is the top of three tiers
0.84% on Dining
Unlimited 2 BluChips per ₹100 on dining and entertainment spends
Milestone Bonus
~₹1,050 in bonus rewards on hitting annual spend milestones
UPI Linked
Pay UPI QR codes from your credit line. What UPI payments earn can depend on the app you pay through, so check the rewards details.
The occasional-to-regular IndiGo flyer who books on the IndiGo app or website and wants the co-brand earn without paying ₹3,000 for lounge access they would not use. If you do want the lounges, or will clear the higher milestone tiers, the IndiGo XL is the better buy.
Full reward structure
What you earn on every rupee, per spend category — as of 1 Sept 2026. Rates assume 1 pt = ₹0.42. How we value points →
| Category | Type | Rate | Monthly cap |
|---|---|---|---|
| Travelonly at IndiGo (app & website) | reward points | 1.26%3 pts/₹100 × ₹0.42 | — |
| Dining | reward points | 0.84%2 pts/₹100 × ₹0.42 | — |
| OTT & Entertainment | reward points | 0.84%2 pts/₹100 × ₹0.42 | — |
| Other | reward points | 0.42%1 pts/₹100 × ₹0.42 | — |
Travel: 3 BluChips per ₹100 from the card on IndiGo bookings. Kotak advertises "up to 19" — the rest comes from booking through IndiGo's own channels and from Blu 1 tier status, both earned with any card, and Blu 1 is the top of three tiers · IndiGo (app & website)
Dining: Unlimited 2 BluChips per ₹100 on dining and entertainment spends
OTT & Entertainment: 2 BluChips per ₹100 on entertainment — Kotak pays the accelerated rate on "Dining & Entertainment" as one category, so entertainment earns 2, not the 1 base
Other: Unlimited 1 IndiGo BluChip per ₹100 on all other categories. UPI-on-credit-card spends also earn 1, except on excluded merchant categories
Earns nothing on: Rent · Wallet Loads · Education · Government & Tax · Fuel
These spends earn no rewards at all — not a reduced rate, and not the base rate. They are also normally left out of any milestone or fee-waiver calculation.
Fees & charges
The numbers that matter beyond rewards — verify on the issuer site before applying. Fees below are shown inclusive of 18% GST, as of 1 Sept 2026.
| Charge | Amount |
|---|---|
| Annual fee (incl. 18% GST) | ₹1,770 |
| Joining fee (incl. 18% GST) | ₹1,770 |
| Finance charge (APR) | 3.75% p.m. |
| Forex markup | 3.5% |
Perks & benefits
Estimated annual value beyond rewards — ~₹4,200/yr in total.
A further 2,500-BluChip milestone voucher at ₹2.5 lakh of annual spend
Milestone voucher of 2,500 IndiGo BluChips at ₹1.25 lakh of annual spend
A further 2,500-BluChip milestone voucher at ₹6 lakh of annual spend, taking the year's milestone total to 7,500 BluChips
Renewal benefit each year — a 2,500-BluChip voucher on payment of the annual fee
Milestone ladder
- ₹1,25,000 a year₹1,050 of value
- ₹2,50,000 a year₹1,050 of value
- ₹6,00,000 a year₹1,050 of value
Should you get it?
- Best for: IndiGo flyers who book direct but will not use lounge access, Anyone wanting the IndiGo co-brand without the XL's ₹3,000 fee
- Mid tier — a solid all-rounder for steady monthly spend.
- Strongest value if you spend heavily on Dining (0.84% back; 1.26% only at IndiGo (app & website)).
Pros & cons
✓ Pros
- Half the XL's fee for the same IndiGo co-brand earning structure
- 2,500-BluChip welcome voucher and a matching 2,500 on every renewal
- Milestone vouchers worth up to 7,500 BluChips a year
- Dining and entertainment earn double the base rate
✕ Cons
- No airport lounge access at all — that is what the ₹3,000 IndiGo XL adds
- The up-to-19 headline needs top-tier BluChip status; the card's own share is a fraction of it
- BluChips redeem only against IndiGo fares, never as cash
- ₹1,500 fee has no spend waiver; only the vouchers offset it
- Rent, wallet loads, education, government and fuel spends earn nothing
Eligibility & documents
How to redeem rewards
Ways to convert what you earn into real value.
- 🎁Redeem BluChips against IndiGo flight bookings on the IndiGo app or website (we value a BluChip at about 42 paise)
- 🎁Welcome, renewal and milestone BluChip vouchers credited to the IndiGo BluChip account
What your IndiGo BluChip are worth
Realistic value per point by redemption route — the difference is what most people leave on the table.
₹0.42 per BluChip against IndiGo base fare; airline-only, and BluChips expire with account inactivity
BluChips are airline scrip, redeemable only against IndiGo fares and devaluable at IndiGo's discretion. The up-to-19 rate needs top-tier BluChip status to reach, there is no lounge access, and the ₹1,500 fee has no spend waiver.
Frequently asked questions
What is the fee on the IndiGo Kotak Credit Card, and can it be waived?
Does the base IndiGo Kotak card include lounge access?
How much does the IndiGo Kotak Credit Card earn?
How is this different from the IndiGo XL Kotak Credit Card?
How has the IndiGo Kotak Credit Card changed over time?
The bottom line
A reasonable entry into the IndiGo co-brand, provided you understand two things. The up-to-19 headline is mostly IndiGo programme and tier earning rather than card earning, and there is no lounge access at all — that is what the XL's extra ₹1,500 buys. With no spend waiver either, the ₹1,500 comes back only through the welcome, renewal and milestone vouchers, which it does comfortably for someone flying IndiGo with any regularity. Off IndiGo the card is thin at 1–2 BluChips per ₹100.
How this page was built
Counted from this card’s own record: 4 earn rules, 1 paid only at named merchants, the spends listed as earning nothing and 4 recorded perks.
Last updated 1 Sept 2026.
Sources & verification
Fees, reward rates, and benefits for the IndiGo Kotak Credit Card are taken from Kotak Mahindra Bank's official Most Important Terms & Conditions (MITC) and fee schedule — see the card's official page. Last updated 1 Sept 2026. Reviewed by Devchandra Sah. Always confirm current details on the issuer's site before applying. How we research →
Independence. CardAdvisor is an independent editorial publication. We are not affiliated with, endorsed by, sponsored by, or authorised to act for Kotak Mahindra Bank. All issuer names, product names, and payment-network marks are the property of their respective owners and appear here for identification and comparison only. Card faces shown on this site are our own original illustrations — we do not display or host issuer card artwork or logos.
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Guides and reviews related to this card.
IndiGo Kotak Credit Card
The base tier of the Kotak x IndiGo co-brand at ₹1,500 — a 2,500-BluChip welcome voucher, a matching 2,500 on every renewal, and milestone vouchers worth up to 7,500 BluChips a year. Read the 'up to 19 BluChips per ₹100' headline carefully: only 3 of those come from the card. And unlike the ₹3,000 IndiGo XL, this one has no lounge access at all.
IndiGo XL Kotak Credit Card
The premium tier of the Kotak x IndiGo co-brand — 8 domestic lounge visits a year, up to 16,000 milestone BluChips, and 5 BluChips per ₹100 from the card on direct IndiGo bookings. Kotak advertises 'up to 21', but IndiGo's own split puts 12 of those on booking through IndiGo's channels and 4 on Blu 1 tier status, both earned with any card. Off IndiGo earning is a thin 2–3 per ₹100, and the ₹3,000 fee has no simple spend waiver — the welcome and renewal vouchers offset it instead.
6E Rewards IndiGo HDFC Bank Credit Card
HDFC has withdrawn the 6E Rewards IndiGo card: new applications stopped, and effective 1 November 2025 all product features and benefits ended, with holders migrated to another HDFC card and 6E Rewards converted 1:1 into IndiGo BluChips. While it ran, the ₹1,500 XL tier earned 5% back on IndiGo bookings, 3% on dining, groceries and entertainment, 2% on everything else, 8 domestic lounge visits and a low 2.5% forex markup. Anyone shopping for an IndiGo co-brand today has to look outside HDFC, to the issuers still running one.
IndiGo SBI Card
The low-fee entry into IndiGo's BluChips rewards, launched September 2025: 3 BluChips per ₹100 on IndiGo bookings, a 2,500-BluChip welcome, up to 7,500 milestone BluChips and 4 domestic lounge visits, all for ₹1,499. A sensible starter for occasional IndiGo flyers who don't need international lounges.
Kotak Air Credit Card
Kotak's entry travel card at ₹999, and the rare one whose currency is worth a real ₹1 — an Air Mile redeems at face value for flights and hotels on Kotak Unbox. 1,000 welcome plus 1,000 renewal miles each cover about 85% of the ₹1,179 all-in fee. The catches: a flat 1% base, a 3x accelerator locked to Unbox and capped at 5,000 miles a cycle, lounge access gated on ₹60,000 of prior-quarter spend, and ten spend categories that earn nothing.
IndiGo SBI Card ELITE
India's biggest airline finally has a premium co-brand: 7 BluChips per ₹100 on IndiGo bookings (roughly 2.9%), both domestic and international lounges, and up to 24,000 milestone BluChips a year. Launched September 2025, it's a strong pick for frequent IndiGo flyers and ordinary for everyone else.
PVR INOX Kotak Credit Card
A single-purpose entertainment card for frequent movie-goers — one free PVR INOX ticket (worth up to ₹300) per ₹10,000 band of monthly spend, uncapped, plus 5% off tickets, 20% off food and beverages, and in-cinema lounge access. What it does not give is base reward points — Kotak publishes no earn rate for it — while the ₹499 renewal fee has no spend waiver, booking fees and taxes stay payable on a 'free' ticket, and rent/wallet/gaming spends do not count. Hold it for the movies, and pair it with a rewards card for everything else.
Kotak League Platinum Credit Card
Once a quietly smart low-fee pick for the urban movie-and-dining crowd, a June 2025 devaluation (redemption minimums and category caps) knocked it down a peg — reward points worth up to ₹0.10 (less on cash), an effective rate of ~0.5% at best, and a movie benefit that's milestone-based (4 PVR tickets per ₹1.25 lakh every six months), not a monthly perk. Hold it only if you'll clear the milestone; otherwise a flat-cashback card serves you better.
IndianOil Kotak Credit Card
A low-fee fuel co-brand built around IndianOil pumps — up to 5% value back on IndianOil fuel (4% as reward points plus a 1% surcharge waiver), 2% on grocery and dining, and a bit on UPI since it is a RuPay card. But the 4% fuel reward is capped at 1,200 points a statement, the points are worth ~₹0.25 via the portal (less as cash), and off-fuel earning is thin. Hold it for the IndianOil fuel, not as an everyday card.
Value timeline
Every real-world change to this card's rewards, fees and benefits we've tracked — newest first, each linked to its source.
Tracking since 2025 · last change Oct 2025
2025
- ◆ RedemptionEffective 3 Oct 2025
Legacy 6E Rewards balances converted to BluChips with an 18% bonus
6E Rewards (legacy IndiGo co-brand points)→IndiGo BluChips (1 BluChip approx Rs 1 against IndiGo fares)
Kotak states that "by 3rd October '25, all your 6E Rewards balance was converted to IndiGo BluChips with an 18% bonus". This card is the destination of that migration for the retired 6E Rewards and 6E Rewards XL holders: per Kotak's own migration FAQ, "if you had a 6E Rewards XL card (annual fee - Rs.1500), you would have received the IndiGo Kotak CC at a joining/annual fee of Rs.1500". The Rs 3,000 IndiGo Kotak XL was a separate opt-in upgrade rather than the default destination, which matters because this base card carries no lounge access where the XL gives 8 domestic visits a year. Note also that the BluChip programme itself launched in 2024, not 2025 — October 2025 is when the Kotak co-brand and the legacy balances moved onto it.
Verification: Kotak Mahindra Bank ↗ · Confidence: High
- ◆ LaunchEffective 10 Jul 2025
Kotak and IndiGo relaunch the co-brand on BluChips — base card at Rs 1,500
Rs 1,500 joining and annual; up to 19 IndiGo BluChips per Rs 100 on IndiGo bookings
Kotak and IndiGo relaunched their co-brand as a two-card range built on IndiGo's BluChip currency, announced jointly on 10 July 2025. This is the base card of the two. Kotak's Key Fact Statement (KFSIK12032026) prices it at Rs 1,500 joining and Rs 1,500 annual with "NA" against both waiver conditions, so there is no spend level that removes either. It earns up to 19 IndiGo BluChips per Rs 100 on IndiGo flight bookings, an unlimited 2 per Rs 100 on dining and entertainment and 1 per Rs 100 on everything else, with a 2,500-BluChip welcome voucher, a matching 2,500 on each renewal, and milestone vouchers of 2,500 BluChips each at Rs 1.25 lakh, Rs 2.5 lakh and Rs 6 lakh of annual spend. It carries no lounge access — that is what the Rs 3,000 IndiGo Kotak XL adds.
Verification: Kotak Mahindra Bank ↗ · Confidence: High
Each change links to the issuer's own document — bank T&C, MITC, notice, press release or product page — where one is public. Where the bank published nothing, it's marked CardAdvisor Research and verified against the card's current terms. Independent of the live terms shown above. This timeline is one card's slice of our market-wide change record across every tracked card.
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