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Kotak Mahindra Bank
IndiGo Kotak Credit Card
Visa
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.
Rates and fees last verified 15 July 2026.
Annual fee
₹1,500
Joining fee
₹1,500
Reward type
points
Base reward rate
1%
Card network
Visa
Card tier
Entry
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
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