IndiGo Kotak Credit Card

1. 1₹1,25,000 a year₹1,050 of value
2. 2₹2,50,000 a year₹1,050 of value
3. 3₹6,00,000 a year₹1,050 of value

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 Travel ( 1.26% back).

• 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

• 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

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

This card can work for IndiGo co-brand shoppers, but only once two caveats sink in. First, the up-to-19 figure is largely IndiGo's own programme and status earning rather than anything the card itself pays out. Second, there's no lounge access whatsoever — that's precisely what the extra ₹1,500 on the XL is for. Because there's no spend threshold that waives the fee either, the ₹1,500 gets clawed back purely through the welcome, renewal and milestone vouchers — and for anyone flying IndiGo with reasonable frequency, it does so without much strain. Step outside IndiGo spending, though, and the earn rate turns thin, sitting at just 1–2 BluChips per ₹100.

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 verified 8 Aug 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.

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 · 2 changes · last change Oct 2025

▲ Revaluation ▼ Devaluation ◆ Neutral / reversed

◆ Redemption Effective 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

◆ Launch Effective 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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Source: IndiGo Kotak Credit Card value timeline — CardAdvisor

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Source: IndiGo Kotak Credit Card value timeline , CardAdvisor (CC BY 4.0).

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Quick summary

Type Mid credit card

Reward rate 0.42%–1.26%

Best for IndiGo flyers who book direct but will not use lounge access

Joining fee ₹1,500

Annual fee ₹1,500

Reviewed by

Devchandra Sah · Cards tested, miles earned, trips booked — for over a decade

Last verified 8 Aug 2026

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