IndiGo Kotak Credit Card
Kotak Mahindra Bank
Last verified: 23 Sept 2026
Reward Program
| Category | Earn Rate | Monthly Cap |
|---|---|---|
IndiGo flight bookings made on the IndiGo website or mobile app | 9.5% | No cap |
Dining and entertainment | 1% | No cap |
| All other spends | 0.5% | No cap |
Redemption fee: 0
Managed via IndiGo BluChip loyalty account (goindigo.in and the IndiGo mobile app)
Transfer partners
Live Offers
20 activeBenefits
Fuel Surcharge Waiver
None. The Kotak MITC lists the IndiGo Kotak Credit Card explicitly among the products NOT eligible for the fuel surcharge waiver. Fuel MCCs 5541 and 5542 are also on the card's reward exclusion list, so fuel spend earns nothing and is surcharged in full — and attracts a further 1% fee above ₹35,000 per statement cycle.
Welcome Benefit
Voucher worth 2,500 IndiGo BluChips
Credited to the linked IndiGo BluChip account on payment of the joining fee.
Annual Benefit
Voucher worth 2,500 IndiGo BluChips on payment of the annual fee each year
A renewal voucher worth 2,500 IndiGo BluChips is issued on payment of each year's ₹1,500 annual fee. At ₹0.50 per BluChip that is ₹1,250 against a ₹1,500 fee, so the renewal benefit does not by itself cover the fee — the card has to earn its keep on flight spend. The voucher is also consumed in full on a single one-way booking whatever the fare, and expires 6 months from issuance, so a cardholder who redeems it against a small fare realises less again.
Milestone Benefits
Reward Calculator
Assumes the best-paying merchant everywhere, so read it as a ceiling rather than an average.
What this card is worth
Open a section and enter what you actually spend. Everything updates as you type.
Fees & Charges
| Joining Fee | ₹1,500/yr |
| Renewal Fee | ₹1,500/yr |
| Forex Markup | 3.5% |
| Interest Rate | 45% p.a. |
| Cash Advance Fee | 2.5% of the advance amount, subject to a minimum of ₹500. |
| Reward Redemption Fee | 0 |
