Kotak IndiGo Credit Card: Features and Charges

Bio

Shreyansh Singh, an IIT Kanpur alumnus, has eight years of experience in the finance industry. He has spent 5 years at American Express developing mid to long-term strategies for multiple markets including US, Europe and India. Shreyansh currently leads Growth and Strategy initiatives at Pice.

26 Dec 25
5 mins

Shreyansh Singh

08 Mins
26-12-25

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Table of Contents

Kotak IndiGo Credit Card Benefits
Kotak IndiGo Credit Card Charges
How to Redeem Indigo BluChips?
IndiGo BluChip Tiers and Benefits

Key Takeaway

You can earn up to 19 IndiGo BluChips on every ₹100 spent on flight bookings.
The card provides 2,500 IndiGo BluChip vouchers as welcome and renewal benefits.
You can get milestone benefits of 2,500 BluChips on meeting annual spend criteria.

The Kotak IndiGo Credit Card is designed for frequent flyers who prefer travelling with IndiGo and want to save more on air travel. By spending ₹6 lakh in a year, you can earn up to 28,600 IndiGo BluChips, assuming 4 return flights are booked.

These BluChips can be redeemed directly on IndiGo flight bookings, helping you reduce ticket costs over time. Read on to explore all the benefits and ways to maximise your rewards.

Kotak IndiGo Credit Card Benefits

With the Kotak IndiGo Credit Card, you can get a welcome benefit of 2,500 IndiGo Bluchip vouchers.

In addition, you can earn up to 19 IndiGo BluChips on every ₹100 spent on flight bookings.

For every ₹100 spent, you can get 8 IndiGo BluChips as an IndiGo BluChip member, 3 on using the IndiGo Kotak Credit Card, 4 on booking flights using the IndiGo website or app and up to 4 IndiGo BluChips based on your IndiGo BluChip Tier status.

Here are the other benefits that the card offers:

On every ₹100 spent on dining and entertainment, you can earn unlimited 2 IndiGo BluChips and 1 IndiGo BluChip on all other categories.
Each year, you can earn up to 7,500 IndiGo BluChips, with 2,500 BluChips awarded on meeting annual spend milestones of ₹1.25 lakh, ₹2.5 lakh and ₹6 lakh.
You can get 1 IndiGo BluChip on every ₹100 spent on UPI on a credit card.
The card offers 2,500 IndiGo BluChips on payment of the annual fee.

Kotak IndiGo Credit Card Charges

The joining fee and annual fee for the Kotak IndiGo Credit Card are ₹1,500 each. This card does not attract any charge for add-on cards. Here are the other charges applicable to the card:

Parameter	Charges
Interest Charges	3.75% per month or 45% per year
Minimum Due Amount	1% of the total due amount
ATM Cash Withdrawal	2.5% and ₹500
Over Limit Charge	₹500
Cheque Bounce Charge	2% and ₹500
Standing Instruction Failure	2% with a minimum of ₹450 and a maximum of ₹5,000
Credit Limit Increase Processing Fee	₹100
Fee for Cash Payment at Bank	₹100
Card Replacement or Reissuance	₹100
Duplicate Statement Request	Nil
Foreign Currency Mark-up	3.5% per transaction

The card additionally attracts the following late payment fees for delayed or unpaid bills:

Outstanding Bill Amount	Late Payment Charges
<= ₹100	₹0
₹101 - ₹500	₹100
₹500.01 – ₹5,000	₹500
₹5,000.01 – ₹10,000	₹600
₹10,000.01 – ₹25,000	₹800
₹25,000.01 – ₹50,000	₹1,000
Above ₹50,000	₹1,200

Well, you do not have to worry about late payment charges. Simply download the Pice app to get automated due-date reminders and pay your credit card bills in just a few taps!

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How to Redeem Indigo BluChips?

To redeem IndiGo BluChips, you need to log in to the IndiGo website or mobile app using valid credentials. Here are the following steps for redemption:

Step 1: Choose the flight and passenger names. IndiGo BluChips will reflect against the flight.

Step 2: Select the payment method using IndiGo BluChip vouchers or IndiGo BluChips.

Step 3: Validate the OTP received on your registered mobile number to redeem.

Notably, IndiGo BluChip members and their nominees can solely redeem IndiGo BluChips against flight bookings.

IndiGo BluChip Tiers and Benefits

In all tiers, you can get 8 IndiGo BluChips for every ₹100 spent. However, the other benefits are as follows:

Parameter	IndiGo BluChip Blu 3	IndiGo BluChip Blu 2	IndiGo BluChip Blu 1
Tier Bonus	Not Applicable	2 IndiGo BluChips per ₹100	4 IndiGo BluChips per ₹100
Channel Bonus	4 IndiGo BluChips per ₹100	4 IndiGo BluChips per ₹100	4 IndiGo BluChips per ₹100
6E Add-ons	8 IndiGo BluChips per ₹100	10 IndiGo BluChips per ₹100	12 IndiGo BluChips per ₹100
6E Prime	No passes	20 passes	40 passes
On Seat Select	10% discount	20% discount	30% discount
On Excess Baggage	10% discount	20% discount	30% discount
On Fast Forward	10% discount	20% discount	30% discount

Note: Discounts on seat select, excess baggage and fast forward are applicable for pre-bookings only!

Footnote:

IndiGo BluChips do not have an expiry date. However, IndiGo BluChip vouchers credited as welcome benefit, renewal benefit and milestone benefit have a validity of 6 months. To know more, check the official Kotak IndiGo Credit Card page.

FAQs

What is the joining fee for the Kotak IndiGo Credit Card?

The joining fee for the IndiGo Credit Card by Kotak Mahindra Bank is ₹1,500. You can get a welcome benefit of 2,500 IndiGo BluChips on paying the joining fee.