{"id":83776,"date":"2025-12-26T23:13:07","date_gmt":"2025-12-26T17:43:07","guid":{"rendered":"https:\/\/piceapp.com\/blogs\/?p=83776"},"modified":"2025-12-26T23:13:15","modified_gmt":"2025-12-26T17:43:15","slug":"kotak-indigo-credit-card","status":"publish","type":"post","link":"https:\/\/piceapp.com\/blogs\/kotak-indigo-credit-card\/","title":{"rendered":"Kotak IndiGo Credit Card: Features and Charges\u00a0"},"content":{"rendered":"\n<div class=\"wp-block-group has-background\" style=\"background-color:#f2f5f9\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<p><strong>Key Takeaway<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>You can earn up to 19 IndiGo BluChips on every \u20b9100 spent on flight bookings.<\/li>\n\n\n\n<li>The card provides 2,500 IndiGo BluChip vouchers as welcome and renewal benefits.<\/li>\n\n\n\n<li>You can get milestone benefits of 2,500 BluChips on meeting annual spend criteria.<\/li>\n<\/ul>\n<\/div><\/div>\n\n\n\n<p>The <strong>Kotak IndiGo Credit Card<\/strong> is designed for frequent flyers who prefer travelling with IndiGo and want to save more on air travel. By spending \u20b96 lakh in a year, you can earn up to 28,600 IndiGo BluChips, assuming 4 return flights are booked.<\/p>\n\n\n\n<p>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.<\/p>\n\n\n\n<div class=\"wp-block-rank-math-toc-block\" id=\"rank-math-toc\"><h2>Table of Contents<\/h2><nav><ul><li><a href=\"#kotak-indi-go-credit-card-benefits\">Kotak IndiGo Credit Card Benefits<\/a><\/li><li><a href=\"#kotak-indi-go-credit-card-charges\">Kotak IndiGo Credit Card Charges<\/a><\/li><li><a href=\"#how-to-redeem-indigo-blu-chips\">How to Redeem Indigo BluChips?<\/a><\/li><li><a href=\"#indi-go-blu-chip-tiers-and-benefits\">IndiGo BluChip Tiers and Benefits<\/a><ul><\/ul><\/li><\/ul><\/nav><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"kotak-indi-go-credit-card-benefits\"><strong>Kotak IndiGo Credit Card Benefits<\/strong><\/h2>\n\n\n\n<div class=\"wp-block-media-text is-stacked-on-mobile\" style=\"grid-template-columns:30% auto\"><figure class=\"wp-block-media-text__media\"><img loading=\"lazy\" decoding=\"async\" width=\"307\" height=\"486\" src=\"https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2025\/12\/kotak-indigo-credit-card-1.jpg\" alt=\"kotak indigo credit card\" class=\"wp-image-83827 size-full\" title=\"\" srcset=\"https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2025\/12\/kotak-indigo-credit-card-1.jpg 307w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2025\/12\/kotak-indigo-credit-card-1-190x300.jpg 190w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2025\/12\/kotak-indigo-credit-card-1-95x150.jpg 95w\" sizes=\"auto, (max-width: 307px) 100vw, 307px\" \/><\/figure><div class=\"wp-block-media-text__content\">\n<p>With the <strong>Kotak IndiGo Credit Card, <\/strong>you can get a welcome benefit of 2,500 IndiGo Bluchip vouchers.<\/p>\n\n\n\n<p>In addition, you can earn up to 19 IndiGo BluChips on every \u20b9100 spent on flight bookings.\u00a0<\/p>\n<\/div><\/div>\n\n\n\n<p>For every \u20b9100 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.<\/p>\n\n\n\n<p>Here are the other benefits that the card offers:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>On every \u20b9100 spent on dining and entertainment, you can earn unlimited 2 IndiGo BluChips and 1 IndiGo BluChip on all other categories.<\/li>\n\n\n\n<li>Each year, you can earn up to 7,500 IndiGo BluChips, with 2,500 BluChips awarded on meeting annual spend milestones of \u20b91.25 lakh, \u20b92.5 lakh and \u20b96 lakh.<\/li>\n\n\n\n<li>You can get 1 IndiGo BluChip on every \u20b9100 spent on UPI on a credit card.&nbsp;<\/li>\n\n\n\n<li>The card offers 2,500 IndiGo BluChips on payment of the annual fee.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"kotak-indi-go-credit-card-charges\"><strong>Kotak IndiGo Credit Card Charges<\/strong><\/h2>\n\n\n\n<p>The joining fee and annual fee for the <strong>Kotak IndiGo Credit Card<\/strong> are \u20b91,500 each. This card does not attract any charge for add-on cards. Here are the other charges applicable to the card:<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Parameter<\/strong><\/td><td><strong>Charges<\/strong><\/td><\/tr><tr><td>Interest Charges<\/td><td>3.75% per month or 45% per year<\/td><\/tr><tr><td>Minimum Due Amount<\/td><td>1% of the total due amount<\/td><\/tr><tr><td>ATM Cash Withdrawal<\/td><td>2.5% and \u20b9500<\/td><\/tr><tr><td>Over Limit Charge<\/td><td>\u20b9500<\/td><\/tr><tr><td>Cheque Bounce Charge<\/td><td>2% and \u20b9500<\/td><\/tr><tr><td>Standing Instruction Failure<\/td><td>2% with a minimum of \u20b9450 and a maximum of \u20b95,000<\/td><\/tr><tr><td>Credit Limit Increase Processing Fee<\/td><td>\u20b9100<\/td><\/tr><tr><td>Fee for Cash Payment at Bank<\/td><td>\u20b9100<\/td><\/tr><tr><td>Card Replacement or Reissuance<\/td><td>\u20b9100<\/td><\/tr><tr><td>Duplicate Statement Request<\/td><td>Nil<\/td><\/tr><tr><td>Foreign Currency Mark-up<\/td><td>3.5% per transaction<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>The card additionally attracts the following late payment fees for delayed or unpaid bills:<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Outstanding Bill Amount<\/strong><\/td><td><strong>Late Payment Charges<\/strong><\/td><\/tr><tr><td>&lt;= \u20b9100<\/td><td>\u20b90<\/td><\/tr><tr><td>\u20b9101 &#8211; \u20b9500<\/td><td>\u20b9100<\/td><\/tr><tr><td>\u20b9500.01 \u2013 \u20b95,000<\/td><td>\u20b9500<\/td><\/tr><tr><td>\u20b95,000.01 \u2013 \u20b910,000<\/td><td>\u20b9600<\/td><\/tr><tr><td>\u20b910,000.01 \u2013 \u20b925,000<\/td><td>\u20b9800<\/td><\/tr><tr><td>\u20b925,000.01 \u2013 \u20b950,000<\/td><td>\u20b91,000<\/td><\/tr><tr><td>Above \u20b950,000<\/td><td>\u20b91,200<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>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!&nbsp;<\/em><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"how-to-redeem-indigo-blu-chips\"><strong>How to Redeem Indigo BluChips?<\/strong><\/h2>\n\n\n\n<p>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:<\/p>\n\n\n\n<p><strong>Step 1: <\/strong>Choose the flight and passenger names. IndiGo BluChips will reflect against the flight.<\/p>\n\n\n\n<p><strong>Step 2: <\/strong>Select the payment method using IndiGo BluChip vouchers or IndiGo BluChips.<\/p>\n\n\n\n<p><strong>Step 3: <\/strong>Validate the OTP received on your registered mobile number to redeem.<\/p>\n\n\n\n<p>Notably, IndiGo BluChip members and their nominees can solely redeem IndiGo BluChips against flight bookings.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"indi-go-blu-chip-tiers-and-benefits\"><strong>IndiGo BluChip Tiers and Benefits<\/strong><\/h2>\n\n\n\n<p>In all tiers, you can get 8 IndiGo BluChips for every \u20b9100 spent. However, the other benefits are as follows:<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Parameter<\/strong><\/td><td><strong>IndiGo BluChip Blu 3<\/strong><\/td><td><strong>IndiGo BluChip Blu 2<\/strong><\/td><td><strong>IndiGo BluChip Blu 1<\/strong><\/td><\/tr><tr><td>Tier Bonus<\/td><td>Not Applicable<\/td><td>2 IndiGo BluChips per \u20b9100<\/td><td>4 IndiGo BluChips per \u20b9100<\/td><\/tr><tr><td>Channel Bonus<\/td><td>4 IndiGo BluChips per \u20b9100<\/td><td>4 IndiGo BluChips per \u20b9100<\/td><td>4 IndiGo BluChips per \u20b9100<\/td><\/tr><tr><td>6E Add-ons<\/td><td>8 IndiGo BluChips per \u20b9100<\/td><td>10 IndiGo BluChips per \u20b9100<\/td><td>12 IndiGo BluChips per \u20b9100<\/td><\/tr><tr><td>6E Prime<\/td><td>No passes<\/td><td>20 passes&nbsp;<\/td><td>40 passes<\/td><\/tr><tr><td>On Seat Select&nbsp;<\/td><td>10% discount<\/td><td>20% discount&nbsp;<\/td><td>30% discount<\/td><\/tr><tr><td>On Excess Baggage<\/td><td>10% discount<\/td><td>20% discount&nbsp;<\/td><td>30% discount<\/td><\/tr><tr><td>On Fast Forward<\/td><td>10% discount<\/td><td>20% discount&nbsp;<\/td><td>30% discount<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"has-background\" style=\"background-color:#f2f5f9\"><strong><em>Note<\/em><\/strong><em>: Discounts on seat select, excess baggage and fast forward are applicable for pre-bookings only!<\/em><\/p>\n\n\n\n<div class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-group has-background\" style=\"background-color:#f2f5f9\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<p><strong>Footnote:<\/strong><\/p>\n\n\n\n<p>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 <a href=\"https:\/\/www.kotak.bank.in\/en\/personal-banking\/cards\/credit-cards\/indigo-credit-card\/features.html\" target=\"_blank\" rel=\"noopener\"><strong>Kotak IndiGo Credit Card<\/strong><\/a> page.<\/p>\n<\/div><\/div>\n<\/div><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"fa-qs\"><strong>FAQs<\/strong><\/h3>\n\n\n<div id=\"rank-math-faq\" class=\"rank-math-block\">\n<div class=\"rank-math-list \">\n<div id=\"faq-question-1766769682003\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">What is the joining fee for the Kotak IndiGo Credit Card?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>The joining fee for the IndiGo Credit Card by Kotak Mahindra Bank is \u20b91,500. You can get a welcome benefit of 2,500 IndiGo BluChips on paying the joining fee.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1766769696127\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">Do IndiGo BluChip vouchers expire?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>IndiGo vouchers remain valid for 6 months from the date of issuance. Ensure you use it within the stipulated time frame to avoid losing the benefits.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1766770172194\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">Where can I redeem IndiGo BluChips?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>You can redeem IndiGo Bluchips on the IndiGo website or mobile app for flight bookings. This can help you save more on your travel expenses.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1766770183099\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">What are the eligibility criteria for the Kotak IndiGo Credit Card?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>To be eligible for <strong>the Kotak IndiGo Credit Card, <\/strong>you need to be above 18 years and hold an IndiGo BluChip membership.\u00a0<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1766770192830\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">What is the foreign currency markup on the Kotak IndiGo Credit Card?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>The foreign currency mark-up on the <strong>Kotak IndiGo Credit Card<\/strong> is 3.5% per transaction. It will reflect on your monthly statement.\u00a0<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Key Takeaway 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 \u20b96 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 [&hellip;]<\/p>\n","protected":false},"author":9,"featured_media":83829,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10],"tags":[],"class_list":["post-83776","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-card"],"_links":{"self":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/83776","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/users\/9"}],"replies":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/comments?post=83776"}],"version-history":[{"count":3,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/83776\/revisions"}],"predecessor-version":[{"id":83828,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/83776\/revisions\/83828"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/media\/83829"}],"wp:attachment":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/media?parent=83776"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/categories?post=83776"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/tags?post=83776"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}