IndiGo Kotak XL Credit Card

Key Features & Benefits

The IndiGo Kotak XL Credit Card transforms your IndiGo travel experience into a rewarding journey with its industry-leading BluChip rewards program. Every flight booking on IndiGo earns you up to 21 BluChips per ₹100 spent, translating to substantial savings on future travel. Your rewards never expire, giving you the freedom to accumulate points for that dream vacation or spontaneous getaway. The card welcomes you with ₹4,000 worth of IndiGo BluChips, essentially offsetting your joining fee from day one.

Beyond flight rewards, you’ll enjoy 8 complimentary domestic lounge visits per year (2 per quarter) across India’s major airports, ensuring comfortable pre-flight relaxation. The card also rewards your dining and entertainment spending with 3 BluChips per ₹100, while all other purchases earn 2 BluChips per ₹100. Upon renewal each year, you receive an additional ₹4,000 BluChips voucher plus a 6E Eats voucher for in-flight dining. Whether you’re a business traveler or leisure explorer, this card turns every IndiGo journey into an opportunity to save more and travel better.

All You Need to Know About: IndiGo Kotak XL Credit Card

The IndiGo Kotak XL Credit Card is a co-branded travel credit card issued by Kotak Mahindra Bank in partnership with IndiGo Airlines, available in both Visa and RuPay network variants. This card is specifically designed for frequent domestic travelers who prefer IndiGo for their air travel needs. The card operates on the BluChip rewards program, which replaced the older 6E Rewards system, offering customers a modern and flexible way to earn and redeem points on IndiGo services. With a joining fee and annual fee of ₹3,000 plus applicable GST, the card positions itself as a mid-premium offering targeting regular flyers rather than occasional travelers.

The rewards structure of the IndiGo Kotak XL Credit Card is heavily weighted toward IndiGo flight bookings, where cardholders earn up to 21 IndiGo BluChips per ₹100 spent, translating to approximately 5.25% returns based on the BluChip redemption value of ₹0.25 to ₹0.30 per point. For dining and entertainment transactions, the card offers 3 BluChips per ₹100 spent (0.75% value), while all other purchases earn 2 BluChips per ₹100 (0.5% value). One of the card’s strongest features is that BluChip rewards never expire, allowing cardholders to accumulate points over time without pressure to redeem quickly. Upon joining, new cardholders receive a welcome voucher worth ₹4,000 in BluChips, and this benefit repeats annually upon renewal along with a 6E Eats voucher for in-flight dining experiences.

Beyond rewards, the IndiGo Kotak XL Credit Card provides 8 complimentary domestic airport lounge visits per year, distributed as 2 visits per quarter across major Indian airports. This feature requires no minimum spending threshold and is available as a standard card benefit, making it valuable for travelers who appreciate pre-flight comfort. However, the card does not offer international lounge access, which limits its appeal for overseas travelers. The card’s financial terms include an interest rate of 3.75% per month (approximately 45% per annum) on outstanding balances, a 3.5% foreign exchange markup on international transactions, and cash advance charges of 2.5% with a minimum of ₹500. Additional fees include late payment charges up to ₹750, over-limit charges of ₹500, and cheque bounce fees of ₹500.

The IndiGo Kotak XL Credit Card is best suited for frequent domestic flyers who primarily use IndiGo Airlines for business or leisure travel and can maximize the high reward rate on flight bookings. The card’s value proposition becomes stronger for those spending ₹50,000 or more annually on IndiGo flights, as the BluChip accumulation and lounge benefits provide tangible returns. However, international travelers, those seeking annual fee waivers, or customers who prefer diversified airline options may find this card limiting. The application process is straightforward through Kotak Mahindra Bank’s official website or IndiGo’s co-branded card portals, requiring standard KYC documents including PAN card, address proof, and income proof, with processing typically completed within 2 to 7 working days. For IndiGo loyalists seeking to maximize their travel savings while enjoying domestic airport lounge privileges, the IndiGo Kotak XL Credit Card presents a compelling value proposition despite the absence of an annual fee waiver.

Pros & Cons

How to Apply

Applying for the IndiGo Kotak XL Credit Card is a straightforward process. Visit the official Kotak Mahindra Bank credit card portal or IndiGo co-branded card application page and click on “Apply Now” for the IndiGo Kotak XL Credit Card. Fill in the online application form with your personal details, employment information, and contact information. Submit the required KYC documents including PAN card, address proof (Aadhaar/Passport/Utility Bills), and income proof (salary slips/ITR/bank statements). Once submitted, your application will be processed within 2-7 working days, after which you’ll receive approval notification and card delivery at your registered address. You can track your application status online using your application reference number.

Detailed Fee Structure

The IndiGo Kotak XL Credit Card comes with a joining fee of ₹3,000 plus applicable GST and other taxes as per the Finance Act, bringing the total to approximately ₹3,540. The annual renewal fee is also ₹3,000 plus GST, with no spending-based waiver available. However, the card offers strong value through its ₹4,000 BluChips welcome bonus and annual renewal benefits.

Beyond the primary fees, be aware of additional charges: late payment fees up to ₹750 depending on your outstanding amount, over-limit charges of ₹500, and cheque bounce charges of ₹500. Cash advances attract a 2.5% fee with a minimum charge of ₹500. Foreign currency transactions carry a 3.5% markup fee. The card charges interest at 3.75% per month (approximately 45% per annum) on outstanding balances, making it crucial to pay your bills in full each month to avoid finance charges.

Who Should Get This Card?

The IndiGo Kotak XL Credit Card is tailor-made for frequent IndiGo flyers who make multiple domestic bookings throughout the year. If you’re a business professional traveling regularly for work, a family that prefers IndiGo for vacations, or someone who values domestic airport lounge comfort, this card delivers exceptional value. It’s particularly beneficial for travelers who can maximize the 21 BluChips per ₹100 on flight bookings, effectively earning 5%+ back on travel expenses. However, if you fly internationally often, rarely use IndiGo, or prefer cards with annual fee waivers and international lounge access, you might want to explore alternatives. The card works best for those who spend ₹50,000+ annually on IndiGo flights and appreciate the comfort of domestic lounge access during their airport experience.

Alternatives & Competitor Comparison

Feature	IndiGo Kotak XL Credit Card	IndiGo Kotak Credit Card
Card Image
Card Network	RuPay, Visa	RuPay, Visa
USP	The IndiGo Kotak XL Credit Card delivers up to 21 BluChips per ₹100 on IndiGo flight bookings and ₹4,000 welcome bonus, along with 8 complimentary domestic lounge visits annually, making it the perfect choice for frequent IndiGo flyers and domestic travelers seeking accelerated flight rewards and airport comfort.	The IndiGo Kotak Credit Card delivers exceptional value for frequent IndiGo flyers with 19 BluChips per ₹100 spent on flight bookings via the IndiGo app or website, plus milestone rewards of 2,500 BluChips at ₹1.25L, ₹2.5L, and ₹6L spend thresholds, making it the perfect co-branded card for domestic travelers seeking maximum savings on India's largest airline.
Annual Fee	3000 Plus GST	1500 Plus GST
Joining Fee	3000 Plus GST	1500 Plus GST
Welcome Benefits	Get 4,000 IndiGo BluChips voucher on card activation, valid for 6 months, redeemable on IndiGo flights and add-ons	Get 2,500 IndiGo BluChips voucher on card activation, valid for 6 months, redeemable on IndiGo flights and add-ons
Lounge Access	Domestic: 2 per quarter	N/A
Reward Rate	Earn up to 21 IndiGo BluChips per ₹100 on IndiGo flight bookings, 3 BluChips per ₹100 on dining and entertainment, and 2 BluChips per ₹100 on other spends. Additionally, earn milestone rewards of 4,000 BluChips each on spending ₹1.5L, ₹4L, ₹7.5L, and ₹12L annually (total 16,000 milestone BluChips).	Earn 19 BluChips per ₹100 on IndiGo app/website bookings, 2 BluChips per ₹100 on dining & entertainment, and 1 BluChip per ₹100 on other categories. milestone bonuses: 2,500 BluChips each at ₹1.25L, ₹2.5L, and ₹6L spends.
Interest Rate	3.75% per month (45% per annum)	3.75% per month (45% per annum)
Best For	Flight Bookings, Lounge Access	Flight Bookings
Apply Now	Apply Now	Apply Now

Frequently Asked Questions