IndiGo Kotak Credit Card
Comprehensive review of IndiGo Kotak Credit Card by Kotak — fees, reward earning rates, airport lounge access, and key benefits.
Card overview
- Joining fee
₹1,500 + GST
- Annual fee
₹1,500 + GST
- Best suited for
Travel
- Reward type
Air Miles
Rewards & cashback
- Rewards rate
5 IndiGo BluChips/₹100 Spent on IndiGo; 2 IndiGo BluChips/₹100 Spent on Dining & Entertainment; 1 IndiGo BluChip/₹100 on All Other Categories
- Welcome benefits
Voucher of 2,500 IndiGo BluChips
- Reward redemption
Redeem for Flights & Select IndiGo Services
Features & benefits
- Travel
Accelerated Rewards on IndiGo Flight Booking
Fees & charges
- Foreign currency markup
3.5%
- Interest rates
3.75% Monthly (45% Annually)
- Cash advance charges
2.5% Subject to a Minimum of ₹500
Product highlights
- Earn IndiGo BluChips on all spends, with accelerated rewards on IndiGo flight bookings and milestone spend benefits.
- BluChips can be earned on everyday spends and redeemed for flights, seat selection, and other IndiGo services, with points validity extending based on activity.
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.
Frequently asked questions
What are IndiGo BluChips, and how do they work?
BluChips are reward points that can be redeemed for IndiGo flight bookings, seat upgrades, and select in-flight services.
How many BluChips can I earn on IndiGo bookings?
You earn 3 BluChips for every ₹100 spent on IndiGo flight bookings made via the official website or app.
Are there milestone rewards on the IndiGo Kotak Credit Card?
Yes, you can earn up to 7,500 BluChips annually by spending ₹6 lakh in set milestones.
What’s the value of 1 IndiGo BluChip?
Each BluChip is typically valued between ₹0.40 and ₹0.60.