All cards / Kotak Mahindra Bank
IndiGo Kotak Credit Card
The entry-level tier of Kotak's IndiGo co-brand family (below IndiGo Kotak Premium) — accelerated BluChips on IndiGo bookings redeemable only for IndiGo flights/add-ons, without the lounge access of the Premium variant.
Annual fee
₹1,500
Joining fee
₹1,500
Reward type
points
Base reward rate
1%
Card network
Visa
Card tier
Entry
Who this card fits
Best suited to applicants with a credit score of roughly 700+ whose spend is concentrated in travel. It's worth the annual fee mainly if your points value clears it.
Rewards & benefits
- Rewards rate: 1% base rate
Benefits by category
- 🍽️ Dining & food delivery
2% reward rate
- ✈️ Travel
10% reward rate
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum credit score: 700
- Minimum monthly income: ₹25,000
- Employment: salaried, self-employed
- Age: 21–60
Fees & charges
- Rewards redemption fee: BluChips are redeemable only against IndiGo flights and add-ons, and expire after 6 months
- Foreign currency markup: 3.5%
- Interest rate: 42% p.a.
Benefits
- 2,500 IndiGo BluChips welcome voucher
- Spend-based vouchers of up to 7,500 BluChips annually
- 2,500 BluChips renewal voucher on annual fee payment
Pros
- + Strong BluChip earn rate on IndiGo bookings
- + Welcome and renewal BluChip vouchers offset the fee
- + Lower fee than the Premium variant
Cons
- − BluChips redeemable only against IndiGo, not flexible travel
- − No lounge access unlike the Premium tier
- − Vouchers expire after 6 months