Kotak Mahindra Bank
IndiGo Kotak XL Credit Card
Annual Fee
₹1,770₹1,500 + GSTBase Reward
2% miles
Foreign Markup
3.5%
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
Category Rewards
Specialty
2.5 Mojo on online spends
0.625X
Merchant-Specific Rewards
1 pt ≈ ₹0.25–₹0.50
IndiGo
6E Rewards on IndiGo flights (5-6% range)
goindigo.in
6E Rewards on IndiGo flights (5-6% range)
Reward Calculator
Costs you ₹705/year
Break-even needs ~₹26,592/month at your reward mix.
₹16K
across all your buckets
4.3K
Mojo Points + 6E Rewards
₹1.1K
via standard · ₹0.25/pt
Effective rate
0.55%
Annual fee
₹1,770
Year 1 net
₹-705
Year 2+ net
₹-705
ongoing
Adjust your spend by reward bucket
3 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
Fuel surcharge waiver (good news)
1%on ₹400–₹4,000 fuel txns · capped at ₹3,500/cycle
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 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.
- BluChips can be redeemed for flight bookings and more with IndiGo.
Benefits & Features
Domestic: 2 Free Visits Each Quarter Free domestic airport lounge access for cardholders.
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
Partner Merchants
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