Indigo Kotak Credit Card
Fees
₹1,499 + Taxes
Joining & AnnualReward Rate
6% 6E Rewards on IndiGo bookings; 3% on dining, movies & groceries; 2% on other retail spends including fuel
Welcome Bonus
Welcome gift benefit on card activation & joining fee payment
Lounge Access
8 Domestic/yr (2/Qtr)
FindMyCard Expert Take
The Indigo Kotak Credit Card from Kotak Bank offers IndiGo Flight Tickets & 6E Rewards with an annual fee of ₹1,499 + Taxes.
Pros & Cons
Key Advantages
- 6% 6E Rewards on IndiGo bookings
- 3% 6E Rewards on dining, movies & groceries
- 8 domestic lounge visits/year (2 per quarter)
- Fee waiver threshold (Includes 6E Rewards IndiGo ticket voucher)
Limitations
- Program is being migrated to IndiGo's newer BluChip system
- Base 2% rate applies broadly, including fuel
- 6E Rewards are most valuable when redeemed on IndiGo flights
Editorial Verdict
The Indigo Kotak Credit Card is ideally suited for indigo flight tickets & 6e rewards. If you want 6% 6e rewards on indigo bookings; 3% on dining, movies & groceries; 2% on other retail spends including fuel, this card delivers real value. The ₹1,499 + taxes is easily offset by the card's perks if you use it regularly. You'll generally need Good (730+) credit to be approved.
Key Perks & Spending Milestones
Accelerated reward earn rate on travel purchases
1% fuel surcharge waiver on transactions between ₹400 and ₹4,000
Up to 50 days of interest-free credit period
Zero lost card liability protection
🚀 Milestone Spends Timeline
Includes 6E Rewards IndiGo ticket voucher
Fees & Charging Rates
Annual Fee Waivers
₹1,499 + Taxes
💡 Includes 6E Rewards IndiGo ticket voucher
Regular Interest Charges
3.6% per month (43.2% per annum)
📅 Late Payment Fee Penalty Tiers
| Outstanding Balance Amount | Late Payment Fee Penalty |
|---|---|
| up to 500 | Nil |
| 501 to 1000 | ₹500 |
| 1001 to 5000 | ₹600 |
| 5001 to 10000 | ₹750 |
| 10001 to 25000 | ₹900 |
| 25001 to 50000 | ₹1,100 |
| above 50000 | ₹1,300 |
Insurance & Protection Benefits
air accident cover
Up to ₹50 Lakh
lost card liability
Up to ₹1 Lakh
purchase protection
Nil
emergency medical cover
Nil
Eligibility Criteria
salaried minimum income
₹25,000 per month
self employed ITR
₹6 Lakh per annum
age
21 to 65 years
Compare Indigo Kotak Credit Card With Similar Cards
| Card | Annual Fee | Reward Rate | Lounge Access | Rating |
|---|---|---|---|---|
| Indigo Kotak Credit Card This Card | ₹1,499 + Taxes | 6% 6E Rewards on IndiGo bookings; 3% on dining, movies &... | 8 Domestic/yr (2/Qtr) | 4.3/5 |
| HDFC Infinia Credit Card Metal Edition | ₹12,500 + Taxes | 5 reward points per ₹150; up to 10X on SmartBuy flight/hotel bookings | Unlimited Domestic + International | 4.9/5 |
| Axis Bank ATLAS Credit Card | ₹5,000 + Taxes | 5 EDGE Miles per ₹100 on travel; 2 EDGE Miles per ₹100 on general spends | 8 Domestic + 4 International/yr | 4.8/5 |
| Axis Bank Burgundy Private Credit Card | ₹50,000 + Taxes | 15 EDGE Reward points per ₹200 spent on retail and international... | Unlimited Domestic + International | 4.8/5 |