IndiGo Kotak XL Credit Card
Fees
1st Year Fee: ₹3,000* Plus Applicable Taxes
Joining & annual
Reward Rate
Up to 21 BluChips per ₹100 spent strictly across authorized IndiGo ticket/service purchase streams
Welcome Bonus
BluChip vouchers worth up to ₹16,000 every year (subject to specific onboarding/annual spend behaviors)
Lounge
8 Domestic/yr
Our Expert Take
This is a purpose-built co-branded card: if you fly IndiGo often, the 21 BluChips per ₹100 on bookings and up to ₹16,000 in annual vouchers can add up quickly. It offers little value if IndiGo isn't already your primary airline.
Where this card earns most
Paying directly in the app or site · 1% on other spends
Pros & Cons
Key Advantages
- Up to 21 BluChips per ₹100 spent on IndiGo bookings
- Up to ₹16,000 in BluChip vouchers annually, tied to spend milestones
- Up to 8 domestic lounge visits a year with achievable quarterly targets
Limitations
- High baseline joining/annual renewal fee overhead of ₹3,000
- Lacks substantial lifestyle milestone optimization outside of the core airline point system
- Rewards can only be redeemed for IndiGo flights, with no other redemption options
Key Perks & Spending Milestones
Up to 21 BluChips accrued for every ₹100 spent on standard flight allocations executed directly through IndiGo storefronts
Accelerated points on travel spending and co-branded partner purchases
Straightforward 1:1 redemption when booking IndiGo flight awards
Up to 8 complimentary domestic airport lounge visits per year (capped at a maximum of 2 visits per statement quarter)
Priority check-in, fast-track boarding, and other IndiGo travel privileges
Spend milestone
Tiered travel vouchers and bonus points, stackable up to ₹16,000 in annual value
Fees & Charges
Joining fee
1st Year Fee: ₹3,000* Plus Applicable Taxes
Annual fee
1st Year Fee: ₹3,000* Plus Applicable Taxes
Refer to standard spend-based milestone renewal pathways outlined by the bank
Interest rate
Subject to Kotak Mahindra Bank standard tiered cardholder interest structures
Late payment fee
Nil for balance up to ₹500; ₹750 for ₹501-₹5,000; ₹1,000 for ₹5,001-₹10,000; ₹1,300 for balance above ₹10,000.
Insurance & Protection Benefits
Eligibility Criteria
age
21 to 65 years
employment profiles
Salaried and Self-Employed Profiles
Credit score & income
Good to Excellent (750+)
Frequently Asked Questions
What's the BluChips rate on IndiGo Kotak XL?
How many lounge visits does this card offer?
Did the reward program on this card change recently?
Compare IndiGo Kotak XL Credit Card With Similar Cards
| Card | Annual Fee | Reward Rate | Lounge Access | Rating |
|---|---|---|---|---|
| IndiGo Kotak XL Credit Card This Card | 1st Year Fee: ₹3,000* Plus Applicable Taxes | Up to 21 BluChips per ₹100 spent strictly across authorized IndiGo... | 8 Domestic/yr | 3.5/5 |
| 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 |