IndiGo Kotak Premium Credit Card
Kotak Mahindra Bank · Open to apply
Kotak's premium IndiGo card (the KFS calls it XL, the page Premium): ₹3,000 fee that returns a 4,000-BluChip voucher and a 6E Eats voucher each year, up to four more 4,000-BluChip vouchers at ₹1.5 to 12 lakh of yearly spend, 5 BluChips per ₹100 on IndiGo flights, 3 on dining and entertainment, 2 on everything else, and 8 domestic lounge visits a year.
- Annual fee
- ₹3,000 + GST a year
- Joining fee
- ₹3,000 + GST
- Base rate
- 2 IndiGo BluChips per ₹100 on other spends: 2 IndiGo BluChips per ₹100 (about 0.9% at cash value)
- Lounges
- Domestic: 2 visits a calendar quarter
- Forex markup
- 3.5%
- Data
- From bank documents, checked 6 Nov 2026
Main earn rates
- 5 BluChips per ₹100 on IndiGo flight bookings through the IndiGo website and app: 5 IndiGo BluChips per ₹100 (about 2.25% at cash value)
- 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 dining and entertainment: 3 IndiGo BluChips per ₹100 (about 1.35% at cash value)
Earns nothing on
- No BluChips on rent, wallet loads, education, government, utilities, insurance, online skill-based gaming, EMI and cash advances
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 ₹1,00,000 of spend within 90 days of issue; a free XL seat and Fast Forward on ₹50,000 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. The page's 3.3% value on UPI spend counts the milestones. None is an always-on term.
Sources
- IndiGo Kotak Premium Credit Card product page, offers, rewards redemption, value chart and FAQ tabs (Product page, the bank's own, read 6 Nov 2026)
- Key Fact Statement, IndiGo Kotak XL Credit Card (KFSIKXL12032026) (Most important terms (MITC), the bank's own, read 6 Nov 2026)
- Kotak Mahindra Bank credit card MITC (updated 3 Nov 2026, KOTMITC/11/2026/Version 3), section D (Most important terms (MITC), the bank's own, read 6 Nov 2026)
- IndiGo Kotak Credit Card Terms and Conditions (Reward terms, the bank's own, read 6 Nov 2026)