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Last updated: 17 October 2026
Free to apply via CardsGuruji · subject to issuer approval
What you earn on every spend, and the ways you can cash it in.
You earn
Up to 3% 6E Rewards
Engineered for the loyal IndiGo flyer, earn an accelerated 3% 6E Rewards on all IndiGo flight bookings. Earn a solid 2% 6E Rewards on dining, entertainment, and grocery transactions. Accrue 1% 6E Rewards on all other eligible retail expenditures. The math is beautifully simple: 1 6E Reward = ₹1.
Redeem for
The privileges that come bundled in, beyond the reward points.
Discounted Convenience: Enjoy a significantly reduced convenience fee of just ₹150 per passenger per sector on IndiGo domestic flight bookings, resulting in immediate upfront savings
Welcome Privileges: The welcome 6E Prime voucher grants you complimentary priority check-in, choice of seat, and a complimentary meal on your flight
Fuel Relief: Standard 1% fuel surcharge waiver at all petrol pumps across India on transactions between ₹500 and ₹3,000 (maximum waiver of ₹250 per billing cycle)
An honest read on where this card earns its keep — and where it doesn't.
Outstanding 3% return rate on IndiGo bookings with a transparent 1:1 redemption ratio (1 Point = ₹1)
The complimentary welcome ticket strictly out-values the ₹700 joining fee
Discounted convenience fee (₹150/pax) saves substantial money for families and group travelers
Solid 2% return on everyday categories like dining and groceries
Rewards are strictly locked into the IndiGo ecosystem; they cannot be converted to statement cashback or other airlines
No complimentary airport lounge access on this base variant (requires upgrading to the XL variant)
No annual fee waiver milestone available; the ₹700 fee is mandatory every year
High 3.5% foreign exchange markup for a travel-focused card
Everything the issuer can bill you for, in one place.
Applied only when the situation arises
Charged on any balance you carry forward
Fee waiver: most issuers waive the renewal fee once your yearly spends cross a set threshold. Confirm the exact criteria with Kotak Mahindra Bank before you apply.
Issuer-stated requirements and CardsGuruji guidance are shown separately.
Note: A displayed score is editorial guidance only unless separately identified as an issuer-stated requirement.
See how IndiGo Kotak Credit Card stacks up against competing cards on reward rates, annual charges, and milestone perks.
Use our customizable comparison tool to benchmark fees, lounge access, and rewards.
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Everything you need to know about IndiGo Kotak Credit Card fees, reward conversion, lounge access, and application eligibility.
IndiGo Kotak Credit Card has an annual fee of ₹700 plus 18% GST. Most cardholders can get subsequent annual renewal fees waived by reaching the bank's annual milestone spend threshold. Additionally, the initial fee is often offset by welcome privileges like "Take to the skies instantly with a complimentary IndiGo flight ticket (worth up to ₹1,500) and a 6E Prime add-on voucher upon payment of your first-year joining fee.".
IndiGo Kotak Credit Card earns 6E Rewards at a primary rate of Up to 3% 6E Rewards. Specifically, Engineered for the loyal IndiGo flyer, earn an accelerated 3% 6E Rewards on all IndiGo flight bookings. Earn a solid 2% 6E Rewards on dining, entertainment, and grocery transactions. Accrue 1% 6E Rewards on all other eligible retail expenditures. The math is beautifully simple: 1 6E Reward = ₹1.. Spends in Travel, Lifestyle categories provide the maximum valueback per transaction on this card.
Rewards earned on IndiGo Kotak Credit Card can be redeemed for IndiGo Flight Bookings, IndiGo Add-ons (Meals, Seat Selection, Baggage) via Kotak Mahindra Bank's official rewards portal or mobile banking app. Points earned remain valid for 24 months from the transaction date before expiring.
Yes, IndiGo Kotak Credit Card features complimentary airport lounge privileges. Cardholders receive complimentary lounge entries per quarter at participating domestic and/or international airports in India. Note that banks frequently require a minimum spend (typically ₹35,000 to ₹50,000) in the previous calendar quarter to unlock complimentary lounge access.
A CIBIL credit score of 720 or above is strongly recommended for approval of IndiGo Kotak Credit Card. Applicants should be Indian residents aged 21 to 65 years with a stable monthly income (salaried or self-employed with ITR) and no recent payment defaults or high credit utilization over 30%.
IndiGo Kotak Credit Card is issued on the Visa or MasterCard network with worldwide acceptance at over 30 million merchant establishments and online portals. International transactions, contactless tap-to-pay (up to ₹5,000 without PIN), and tokenized payments are supported once enabled in your banking app.
IndiGo Kotak Credit Card levies a forex markup fee of 3.50% + GST on transactions processed in foreign currencies. For cross-border shopping and overseas travel, remember that standard 18% GST applies on the markup charge.
IndiGo Kotak Credit Card currently features a welcome offer: "Take to the skies instantly with a complimentary IndiGo flight ticket (worth up to ₹1,500) and a 6E Prime add-on voucher upon payment of your first-year joining fee.". To claim this joining perk, cardholders typically need to activate the card and complete a qualifying initial transaction within 30 to 60 days of card issuance.
Key highlights include Outstanding 3% return rate on IndiGo bookings with a transparent 1:1 redemption ratio (1 Point = ₹1) and The complimentary welcome ticket strictly out-values the ₹700 joining fee. However, keep in mind that Rewards are strictly locked into the IndiGo ecosystem; they cannot be converted to statement cashback or other airlines and No complimentary airport lounge access on this base variant (requires upgrading to the XL variant). Overall, IndiGo Kotak Credit Card delivers strong value if your regular spending aligns with Travel, Lifestyle.
Yes, IndiGo Kotak Credit Card includes a 1% fuel surcharge waiver for fuel spends typically between ₹400 and ₹4,000 at all government and private fuel stations in India. (Fuel Relief: Standard 1% fuel surcharge waiver at all petrol pumps across India on transactions between ₹500 and ₹3). The monthly waiver is subject to a cap, and GST charged on the surcharge is non-refundable.
