The IndiGo Kotak Credit Card is a co-branded travel card from Kotak Mahindra Bank and IndiGo, designed for frequent IndiGo flyers who want to earn IndiGo BluChips on every spend. It earns up to 19 IndiGo BluChips per Rs. 100 on IndiGo flight bookings, 2 IndiGo BluChips per Rs. 100 on dining and entertainment, and 1 IndiGo BluChip per Rs. 100 on all other spends with no earning cap. This review covers both the base IndiGo Kotak Credit Card and the Premium variant, based only on figures from Kotak Mahindra Bank’s official website at kotak.bank.in.
IndiGo Kotak Credit Card Key Details at a Glance
| Feature | Detail |
|---|---|
| Issuer | Kotak Mahindra Bank |
| Annual Fee | Rs. 1,500 (no spend-based waiver) |
| Welcome Benefit | 2,500 IndiGo BluChips voucher on fee payment |
| Renewal Benefit | 2,500 IndiGo BluChips voucher on annual fee payment each year |
| IndiGo Earn Rate | Up to 19 IndiGo BluChips per Rs. 100 (8 as IndiGoBluChip member + 3 via card + 4 via IndiGo website/app + up to 4 tier bonus) |
| Dining and Entertainment | 2 IndiGo BluChips per Rs. 100 (unlimited) |
| All Other Spends | 1 IndiGo BluChip per Rs. 100 (unlimited) |
| UPI Earn (RuPay) | 1 IndiGo BluChip per Rs. 100 on eligible UPI transactions |
| Milestone Benefits | 2,500 IndiGo BluChips at Rs. 1.25L + 2,500 BluChips at Rs. 2.5L + 2,500 BluChips at Rs. 6L = 7,500 max per year |
| Earning Cap | No cap on IndiGo BluChips earned through card spends |
| BluChip Validity | Lifetime for earned IndiGo BluChips. 6 months for welcome, milestone, and renewal vouchers. |
| Lounge Access | None on base card |
| Interest Rate | 3.75% per month (45% per annum) |
| Foreign Transaction Fee | 3.5% |
Source: kotak.bank.in/en/personal-banking/cards/credit-cards/indigo-credit-card/features.html. All figures verified September 2026.
How the IndiGo Kotak Credit Card Earns IndiGo BluChips Explained
The 19 IndiGo BluChips per Rs. 100 figure on IndiGo bookings is a combined rate, not a single flat rate. Here is the exact breakdown per Kotak’s official page, so you know exactly what you are earning and from which source.
8
IndiGo BluChips per Rs. 100
Earned as an IndiGo BluChip programme member. Applies to all IndiGo bookings regardless of card used.
3
IndiGo BluChips per Rs. 100
Earned specifically by using the IndiGo Kotak Credit Card for the transaction.
4
IndiGo BluChips per Rs. 100
Earned when booking specifically through the IndiGo website or mobile app (not third-party aggregators).
Up to 4
Bonus IndiGo BluChips per Rs. 100
Additional BluChips based on your IndiGo BluChip tier status (Blu 3, Blu 2, or Blu 1). Higher tier earns more.
The practical implication: The full 19 IndiGo BluChips per Rs. 100 is available only to cardholders with the highest IndiGo BluChip tier who book directly on IndiGo’s website or app. New cardholders at the base Blu 3 tier will earn fewer than 19 BluChips per Rs. 100 until they accumulate enough IndiGo activity to advance tiers. The card itself contributes 3 BluChips per Rs. 100 regardless of tier.
IndiGo Kotak Credit Card Milestone Benefits
The IndiGo Kotak Credit Card has three annual spend milestones, each delivering a voucher of 2,500 IndiGo BluChips. All milestones are calculated on spending within the card anniversary year, not the calendar year.
| Anniversary Spend Milestone | BluChips Voucher Earned | Voucher Validity |
|---|---|---|
| Rs. 1.25 lakh | 2,500 IndiGo BluChips | 6 months from issuance |
| Rs. 2.5 lakh | 2,500 IndiGo BluChips | 6 months from issuance |
| Rs. 6 lakh | 2,500 IndiGo BluChips | 6 months from issuance |
| Total maximum | 7,500 IndiGo BluChips/year | Use within 6 months of each milestone |
Note on voucher validity: Milestone BluChips are issued as vouchers with a 6-month validity from the date of issuance, per Kotak’s official page. Earned BluChips from card spends have lifetime validity. Plan your milestone redemptions with the 6-month window in mind especially the Rs. 6 lakh milestone voucher, which would typically be issued late in the anniversary year.
IndiGo Kotak Base vs Premium Full Comparison
Kotak Mahindra Bank offers two IndiGo co-branded cards. The base IndiGo Kotak Credit Card suits regular IndiGo travellers. The IndiGo Kotak Premium Credit Card is designed for frequent flyers who want higher BluChips earn, lounge access, and larger milestone rewards. All Premium card figures are from Kotak’s official page for the IndiGo Kotak Premium card.
| Feature | IndiGo Kotak (Base) | IndiGo Kotak Premium |
|---|---|---|
| Annual Fee | Rs. 1,500 | Higher (refer Kotak official page) |
| Welcome Benefit | 2,500 IndiGo BluChips voucher | 4,000 IndiGo BluChips voucher + 6E Eats voucher |
| IndiGo Earn Rate | Up to 19 IndiGo BluChips/Rs. 100 | Up to 21 IndiGo BluChips/Rs. 100 |
| Milestone BluChips | Up to 7,500/year (3 milestones) | Up to 16,000/year |
| Airport Lounge | None | Complimentary access included |
| Earning Cap | No cap | No cap |
| BluChip Validity | Lifetime (earned). 6 months (vouchers). | Lifetime (earned). 6 months (vouchers). |
| Fee Waiver | None | None confirmed |
Source: kotak.bank.in official product pages for both cards. Premium card annual fee not published on the public product page refer Kotak’s MITC for exact fee details before applying.
How Much Can You Actually Earn — 7 Flights a Year Example
Here is a realistic annual earnings calculation for someone who flies IndiGo 7 times a year, books directly on the IndiGo app, and uses the IndiGo Kotak Credit Card for all spending. This assumes a base Blu 3 tier (no bonus tier BluChips) and average flight ticket of Rs. 5,000 per booking. Non-IndiGo monthly spending is assumed at Rs. 15,000 per month.
| Earning Source | Calculation | BluChips Earned |
|---|---|---|
| 7 IndiGo flights via app (Blu 3 tier) | 7 flights x Rs. 5,000 x 15 BluChips/Rs. 100 (8 member + 3 card + 4 app) | 5,250 |
| Non-IndiGo monthly spend | Rs. 15,000 x 12 months x 1 BluChip/Rs. 100 | 1,800 |
| Welcome benefit (year 1 only) | 2,500 BluChips voucher on fee payment | 2,500 |
| Renewal benefit (year 2 onwards) | 2,500 BluChips voucher on annual fee payment | 2,500 |
| Milestone at Rs. 1.25L spend | Total annual spend Rs. 1.55L (flights + monthly) qualifies for first milestone | 2,500 |
| Milestone at Rs. 2.5L spend | Total annual spend of Rs. 1.55L does not reach Rs. 2.5L threshold | Not reached |
| Total Year 1 | Flights + monthly spend + welcome + milestone 1 | 12,050 BluChips |
| Total Year 2 onwards | Flights + monthly spend + renewal + milestone 1 | 12,050 BluChips |
What 12,050 BluChips Gets You
At 1 BluChip = Re. 1 on IndiGo redemption, 12,050 BluChips = Rs. 12,050 off your IndiGo flight bookings. Against a Rs. 1,500 annual card fee, this is an effective return of Rs. 10,550 net of fee in year 1. Put another way, the card pays for itself with the welcome benefit alone in year 1, and then delivers roughly the equivalent of 2 to 3 short domestic IndiGo tickets in additional BluChip value annually. This calculation is conservative: it uses only Blu 3 tier rates and does not include any dining/entertainment earning.
Assumptions used in this calculation: Average IndiGo ticket price Rs. 5,000. Blu 3 base tier (no additional tier bonus BluChips). Booking via IndiGo app (earns 4 extra BluChips per Rs. 100). Non-IndiGo monthly spend Rs. 15,000 earning at 1 BluChip per Rs. 100. BluChip redemption value at stated 1 BluChip = Re. 1. Actual BluChip redemption value may vary by route and booking date.
Who Should Apply for the IndiGo Kotak Credit Card
Base Card is right for you if…
- You fly IndiGo 3 to 8 times a year
- You book directly on IndiGo’s app or website (not aggregators)
- You want milestone rewards at realistic spend levels (Rs. 1.25L to Rs. 6L)
- You are comfortable with no lounge access on the card
Premium Card is right for you if…
- You fly IndiGo 10 or more times a year
- You want complimentary airport lounge access
- Your annual card spend justifies chasing Rs. 16,000 in milestone BluChips
- You want the higher 21X IndiGo earn rate and a larger welcome benefit
IndiGo Kotak Credit Card vs IndiGo Axis Bank Credit Card
IndiGo has two active co-branded credit card partnerships in India: one with Kotak Mahindra Bank and one with Axis Bank. Both earn IndiGo BluChips on every spend. The IndiGo Kotak Credit Card has a higher annual fee (Rs. 1,500) than the IndiGo Axis Bank base card (Rs. 799, currently lifetime free on RuPay till October 30) but offers more milestone BluChips (7,500 per year versus 2,400) and no earning cap. The IndiGo Axis card earns a flat 3 BluChips per Rs. 100 on IndiGo, while the Kotak card earns up to 19 BluChips per Rs. 100 through the combined rate. For dedicated IndiGo BluChip tier members who book frequently on IndiGo directly, the Kotak card delivers more BluChips per booking. For casual or occasional flyers who want no annual fee, the IndiGo Axis Bank RuPay card is the better entry point while the LTF offer lasts.
Earn by Selling IndiGo Kotak Credit Cards on PickMyWork
The IndiGo Kotak Credit Card is an active task on PickMyWork. Your pitch angle is the BluChips earn rate and the no-cap policy: anyone who books IndiGo flights regularly and is not already using a co-branded card is leaving BluChips on the table with every booking. The welcome benefit of 2,500 BluChips on fee payment effectively offsets a significant part of the Rs. 1,500 annual fee. Target frequent IndiGo travellers, corporate travellers who fly domestically on IndiGo, and anyone who is an existing IndiGo BluChip member looking to accelerate their earning.
Related Reads
- IndiGo Axis Bank Credit Card Review 2026
- Best Travel Credit Cards in India 2026
- Lifetime Free Credit Cards in India August 2026
- Best Milestone Credit Cards in India 2026
- All Credit Cards Available on PickMyWork
Frequently Asked Questions IndiGo Kotak Credit Card
- What is the IndiGo Kotak Credit Card annual fee?
The IndiGo Kotak Credit Card has a joining and annual fee of Rs. 1,500, per Kotak Mahindra Bank’s official FAQ. There is no spend-based annual fee waiver on this card. The welcome benefit of 2,500 IndiGo BluChips (worth Rs. 2,500 on IndiGo redemption at 1 BluChip = Re. 1) partially offsets the annual fee from the first year itself. - How do I earn 19 IndiGo BluChips per Rs. 100 on the IndiGo Kotak card?
The 19 BluChips per Rs. 100 is a combined rate from four sources: 8 BluChips as an IndiGo BluChip programme member, 3 IndiGo BluChips for using the IndiGo Kotak Credit Card, 4 BluChips for booking through IndiGo’s official website or mobile app, and up to 4 bonus BluChips based on your IndiGo BluChip tier status. New cardholders at the base tier will earn fewer than 19 until they advance tiers through IndiGo activity. - Is there a cap on IndiGo BluChips earned with the IndiGo Kotak Credit Card?
No. Per Kotak’s official FAQ, there is no cap on IndiGo BluChips earned through eligible card spends. You can earn IndiGo BluChips on every transaction without any monthly or annual limit on earned points. The 6-month validity applies only to vouchers issued as welcome, milestone, and renewal benefits, not to IndiGo BluChips earned through card spending. - What is the difference between IndiGo Kotak Credit Card and IndiGo Kotak Premium?
The base IndiGo Kotak Credit Card earns up to 19 IndiGo BluChips per Rs. 100 on IndiGo, has a Rs. 1,500 annual fee, and offers up to 7,500 milestone IndiGo BluChips per year with no airport lounge access. The IndiGo Kotak Premium Credit Card earns up to 21 IndiGo BluChips per Rs. 100, has a higher annual fee, offers up to 16,000 milestone IndiGo BluChips per year, and includes complimentary airport lounge access. The Premium card also has a larger welcome benefit of 4,000 IndiGo BluChips plus a 6E Eats voucher. - Can I use the IndiGo Kotak Credit Card for UPI payments?
Yes. The RuPay variant of the IndiGo Kotak Credit Card earns 1 IndiGo BluChip per Rs. 100 on eligible UPI transactions, per Kotak’s official features page. This makes it one of the few co-branded travel cards that rewards UPI spending. Spends in exclusion merchant category codes do not earn IndiGo BluChips on UPI transactions.
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