Kotak Mahindra Bank
IndiGo Kotak Credit Card
Annual Fee
₹1,770₹1,500 + GSTBase Reward
1% air miles
Foreign Markup
3.5%
Welcome Benefits
Get a voucher of 2,500 IndiGo BluChips (will be valid for 6 months from the date of issuance)
Product Highlights
- Earn IndiGo BluChips on all spends
- Accelerated rewards on IndiGo flight bookings
Category Rewards
travel
5 IndiGo BluChips/₹100 Spent on IndiGo
5X
dining
2 IndiGo BluChips/₹100 Spent on Dining & Entertainment
2X
Specialty
1 IndiGo BluChip/₹100 on All Other Categories
1X
Reward Calculator
Earns ₹1,230/year (net)
Modest gain. Solid hold if you like the perks.
₹25K
across all your buckets
3K
6E Rewards
₹3K
via standard
Effective rate
1.00%
Annual fee
₹1,770
Year 1 net
+₹1,230
Year 2+ net
+₹1,230
ongoing
Adjust your spend by reward bucket
1 bucketsSurcharges & Exclusions
Watch-outs that quietly erode your effective rewards. Categories listed as “excluded” earn 0% even if the merchant looks normal.
Foreign exchange markup
3.5%Charged on every international (non-INR) transaction
Excluded from rewards
fuel, cash advance, rent, wallet, emi, government, education
Surcharges are typically charged 1 cycle after the transaction and may include GST. Always confirm with the bank's most recent T&C.
Rewards Details
Earn 5 IndiGo BluChips/₹100 Spent on IndiGo; 2 IndiGo BluChips/₹100 Spent on Dining & Entertainment; 1 IndiGo BluChip/₹100 on All Other Categories.
- Redeem for Flights & Select IndiGo Services
Benefits & Features
Domestic: N/A International: N/A
Pros & Cons
Pros
- Offers accelerated rewards for IndiGo flight bookings
- Accelerated reward earning for dining and entertainment categories
Cons
- The card does not offer any complimentary airport lounge access
- There are no travel insurance perks
- Users cannot get a spend-based annual fee waiver
Additional Info
Excluded Categories
Ready to apply?
Apply directly on the bank's official website. Quick approval, no hidden steps.
Apply NowOfficial bank website · Secure
Fees & Charges
Eligibility
Networks