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Last updated: 28 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 21 BluChips per ₹100 spent on IndiGo
Earn up to 21 BluChips per ₹100 on IndiGo flight bookings; 3 BluChips per ₹100 on dining and entertainment; 2 BluChips per ₹100 on all other eligible categories (including UPI spends on the RuPay variant).
Redeem for
The privileges that come bundled in, beyond the reward points.
Milestone Benefits: Get up to 4 vouchers worth 4,000 BluChips each on achieving annual spends of ₹1.5 Lakh
₹4 Lakh
₹7.5 Lakh, and ₹12 Lakh
Lounge Access: 8 complimentary domestic airport lounge visits per year (capped at 2 visits per quarter)
Renewal Perk: Receive a 4,000 IndiGo BluChips voucher and a 6E Eats voucher upon payment of the annual renewal fee
No Expiry: IndiGo BluChips earned on this credit card do not expire
An honest read on where this card earns its keep — and where it doesn't.
Industry-leading reward rate of up to 21 BluChips per ₹100 on IndiGo bookings
BluChips earned via the credit card do not expire
Massive milestone potential offering up to 16,000 extra BluChips annually
Available on the RuPay network for seamless UPI payments and reward earning
High annual fee of ₹3,000 with no spend-based fee waiver available
No international airport lounge access
Rewards are locked into the IndiGo ecosystem with no statement credit options
High foreign exchange markup fee of 3.5%
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 XL 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 XL Credit Card fees, reward conversion, lounge access, and application eligibility.
IndiGo Kotak XL Credit Card has an annual fee of ₹3,000 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 "Receive a welcome benefit of a 4,000 IndiGo BluChips voucher and a 6E Eats voucher upon joining and payment of the fee.".
IndiGo Kotak XL Credit Card earns IndiGo BluChips at a primary rate of Up to 21 BluChips per ₹100 spent on IndiGo. Specifically, Earn up to 21 BluChips per ₹100 on IndiGo flight bookings; 3 BluChips per ₹100 on dining and entertainment; 2 BluChips per ₹100 on all other eligible categories (including UPI spends on the RuPay variant).. Spends in Travel, Rewards, Co-branded categories provide the maximum valueback per transaction on this card.
Yes, because IndiGo Kotak XL Credit Card is on the RuPay network, you can link it directly to any UPI application including Google Pay, PhonePe, Paytm, and BHIM. This allows you to scan merchant QR codes at local stores and pay from your credit card account while earning reward points.
Rewards earned on IndiGo Kotak XL Credit Card can be redeemed for IndiGo Flight Bookings, 6E Add-ons (Seat Selection, Excess Baggage, Fast Forward) via Kotak Mahindra Bank's official rewards portal or mobile banking app. Points typically carry a multi-year validity period, though regular redemption against high-value vouchers or statement balances is advised.
Yes, IndiGo Kotak XL Credit Card features complimentary airport lounge privileges. Privileges include: "Lounge Access: 8 complimentary domestic airport lounge visits per year (capped at 2 visits per quarter)". 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 750 or above is strongly recommended for approval of IndiGo Kotak XL 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 XL Credit Card levies a forex markup fee of 3.5% of the transaction amount 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 XL Credit Card currently features a welcome offer: "Receive a welcome benefit of a 4,000 IndiGo BluChips voucher and a 6E Eats voucher upon joining and payment of the 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 Industry-leading reward rate of up to 21 BluChips per ₹100 on IndiGo bookings and BluChips earned via the credit card do not expire. However, keep in mind that High annual fee of ₹3 and 000 with no spend-based fee waiver available. Overall, IndiGo Kotak XL Credit Card delivers strong value if your regular spending aligns with Travel, Rewards, Co-branded.
You can apply for IndiGo Kotak XL Credit Card directly through Kotak Mahindra Bank's official website or digital portal. Essential documents include your PAN card, Aadhaar card for video KYC, proof of address, and recent income documentation (3 months' salary slips or latest ITR with computation). Decisions are typically communicated within 2 to 4 working days.
