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IndiGo Kotak XL Credit Card
Kotak Mahindra Bank
travel
Annual Fee
₹3,000
Joining Fee
₹3,000 + GST
Base Reward
2% miles
Foreign Markup
3.5%
Interest Rate
3.75% per month
Welcome Benefits
Voucher of 4,000 IndiGo BluChips and 6E Eats
Product Highlights
- Earn up to 21 IndiGo BluChips/₹100 on IndiGo bookings
- Free domestic lounge access
Rewards
Earn up to 21 IndiGo BluChips/₹100 spent on IndiGo flight bookings. Earn 3 IndiGo BluChips/₹100 spent on dining and entertainment. Earn 2 IndiGo BluChips/₹100 for all other spends.
Redemption
BluChips can be redeemed for flight bookings and more with IndiGo.
Category Rewards
| Category | Reward Rate | Monthly Cap |
|---|---|---|
travel | 21%(Up to 21 BluChips/₹100 on IndiGo bookings) | No cap |
dining | 3%(3 IndiGo BluChips/₹100 on dining) | No cap |
Merchant-Specific Rewards
| Merchant | Reward | Context |
|---|---|---|
| IndiGo | Up to 21 BluChips/₹100 | online |
Benefits & Features
Domestic: 2 Free Visits Each Quarter Free domestic airport lounge access for cardholders.
Fees & Charges
Annual Fee₹3,000
Joining Fee₹3,000 + GST
Foreign Markup3.5%
Interest Rate3.75% per month
Cash Advance2.5% Subject to a Minimum of ₹500
Eligibility
Available Networks
visarupay
Pros & Cons
Pros
- BluChips earned do not expire
- Good rewards on IndiGo flight bookings
Cons
- Basic reward rate for a co-branded airline card
- No international lounge access
Additional Info
The card is not lifetime free
BluChips have dynamic value
Excluded Categories
rentwalleteducationgovernment spendingutilitiesinsuranceonline skill-based gamingB2B
Partner Merchants
IndiGo