IndiGo Kotak Credit Card

Kotak Mahindra Bank · Open to apply

Kotak's IndiGo co-brand card: ₹1,500 fee that returns a 2,500-BluChip voucher each year, up to three more vouchers at ₹1.25, 2.5 and 6 lakh of yearly spend, 3 BluChips per ₹100 on IndiGo flights, 2 on dining and entertainment and 1 on everything else. BluChips only buy IndiGo fares.

Annual fee
₹1,500 + GST a year
Joining fee
₹1,500 + GST
Base rate
1 IndiGo BluChip per ₹100 on other spends: 1 IndiGo BluChips per ₹100 (about 0.45% at cash value)
Lounges
None on record
Forex markup
3.5%
Data
From bank documents, checked 6 Nov 2026
Replaces
6E Rewards IndiGo Kotak Credit Card

Main earn rates

  • 3.5 BluChips per ₹100 on international spends (offer valid till 28 Feb 2027): 3.5 IndiGo BluChips per ₹100 (about 1.58% at cash value)
  • 3 BluChips per ₹100 on IndiGo flight bookings through the IndiGo website and app: 3 IndiGo BluChips per ₹100 (about 1.35% at cash value)
  • 2 BluChips per ₹100 on dining and entertainment: 2 IndiGo BluChips per ₹100 (about 0.9% at cash value)

Earns nothing on

  • No BluChips on rent, wallet loads, education, government, utilities, insurance, online skill-based gaming, EMI and cash advances

Where the sources disagree

  • joining and annual fee: The product page's fee table shows a joining fee of ₹0 and an unstated annual fee, apparently a placeholder; the KFS (KFSIK12032026) and the MITC both give ₹1,500 for both. The KFS and MITC are used.

Terms the calculator does not value

  • IndiGo sets the BluChip's redemption value and says BluChips have no monetary value; the calculator uses the platform's indigo-bluchip estimate, so every BluChip figure on this card is an estimate. Vouchers are valued at face value in BluChips, but they are valid six months and cover one journey's base fare.
  • IndiGo's own BluChip earn on flights (8 per ₹100 plus 4 for the website or app plus a tier bonus of up to 4) is not entered, as it is the programme's, not the card's.
  • Exclusive offers on the page, all valid to 28 Feb 2027 with no start date: a joining-fee waiver or reversal with the welcome voucher on ₹60,000 of spend within 90 days of issue; a free seat and Fast Forward on ₹25,000 of monthly spend; and up to 11 BluChips per ₹100 on hotels, cabs and experiences booked on the IndiGo website or app. The 3.5 BluChips per ₹100 on international spends is entered as a dated rule. None is an always-on term.
  • Holders migrated from the ₹700 6E Rewards card kept that fee and get no welcome or renewal voucher; the calculator values a new applicant.

Sources

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