All cards / Kotak Mahindra Bank
Indigo Kotak Premium Credit Card
IndiGo's current premium co-brand card with Kotak (successor naming to the earlier '6E Rewards XL' line) — up to 21 BluChips per ₹100 on IndiGo flight bookings makes it a strong pick for frequent IndiGo flyers, though BluChips are only useful within the IndiGo ecosystem.
Annual fee
₹3,000
Joining fee
₹3,000
Reward type
points
Base reward rate
2%
Card network
Visa
Card tier
Mid
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: 2% base rate
- Domestic lounge access: 2 complimentary domestic lounge visits per calendar quarter
Benefits by category
- 🍽️ Dining & food delivery
3% reward rate
- ✈️ Travel
21% reward rate · 2 complimentary domestic lounge visits per calendar quarter
Eligibility
- Minimum credit score: 700
- Employment: salaried, self-employed
- Age: 21–60
Benefits
- 4,000 IndiGo BluChips voucher plus a 6E Eats voucher on card issuance
- 2 complimentary domestic lounge visits per calendar quarter
- Up to 16,000 BluChips in vouchers annually across spend milestones
- 4,000 BluChips plus a 6E Eats voucher repeated as a renewal benefit each year
Pros
- + Very high accelerated earn rate on IndiGo bookings specifically
- + Welcome + renewal vouchers largely offset the ₹3,000 annual fee for regular IndiGo flyers
- + Domestic lounge access included
Cons
- − BluChips have value only within IndiGo (flights/6E Eats), unlike bank reward points
- − No fee waiver on spend — fixed ₹3,000/year
- − Weak outside the IndiGo travel use case
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