Verified — 16/16 categories
Kotak
IndiGo Kotak Credit Card
Best forTravel & Dining
Earns3 BluChips per ₹100 on travel — only at IndiGo 6E flights
1st Year / Joining Fee
₹1,500 + taxes
Renewal Fee
Not recorded
Fee waiver
Not recorded
Network
Not recorded
Kotak
IndiGo Kotak Credit Card
Why this card may suit you
Based on the card's verified terms.
- Best suited to spending on travel and dining, where it earns 3 BluChips per ₹100 (only at IndiGo 6E flights)
How you earn
Reward rates at a glance — exactly as recorded for this card.
TravelOnly at IndiGo 6E flights3 BluChips per ₹100
Dining2 BluChips per ₹100
Shopping1 BluChip per ₹100
All 16 reward categories · 16 of 16 categories verified
| Category | Rate | Cap | Condition |
|---|---|---|---|
| Rent | No reward | — | —Details
|
| Education | — | — | Standard card reward rate appliesDetails
|
| Insurance | — | — | Standard card insurance reward rate appliesDetails
|
| Utilities | — | — | Standard utility rate appliesDetails
|
| Fuel | No reward | — | —Details
|
| Groceries | — | — | Standard retail reward rate for IndiGo Kotak Credit Card on GroceriesDetails
|
| Dining | 2 BluChips per ₹100 | — | 2 IndiGo BluChips per ₹100 on dining & entertainmentDetails
|
| Food Delivery | — | — | Standard retail reward rate for IndiGo Kotak Credit Card on Food DeliveryDetails
|
| Shopping | 1 BluChip per ₹100 | — | Standard retail reward rate for IndiGo Kotak Credit Card on ShoppingDetails
|
| Travel | 3 BluChips per ₹100 | — | Only at IndiGo 6E flightsDetails
|
| Government | — | — | Standard card reward rate appliesDetails
|
| Wallet | No reward | — | —Details
|
| Railways | — | — | Standard verified reward rate for IndiGo Kotak Credit Card on RailwaysDetails
|
| FASTag | — | — | Standard verified reward rate for IndiGo Kotak Credit Card on FASTagDetails
|
| Jewellery | — | — | Standard verified reward rate for IndiGo Kotak Credit Card on JewelleryDetails
|
| Telecom | — | — | Standard verified reward rate for IndiGo Kotak Credit Card on TelecomDetails
|
“—” means not established. “Research pending” is not zero: it means DhanChakshu has not finished verifying that category, so it is not counted.
Cost & caps
What it costs to hold, and where rewards stop.
1st Year / Joining Fee
₹1,500 + taxes
Renewal Fee
Not recorded
Fee waiver
Not recorded
Reward caps
No reward cap is recorded in DhanChakshu's verified data. Check the issuer terms for any additional limits.
Key benefits
Rewards
3 BluChips per ₹100 on travel (only at IndiGo 6E flights)
Important to know
Limits and exclusions that change what you earn.
- BluChips are loyalty points. Their INR value is not treated as a fixed amount by DhanChakshu; IndiGo redemption value varies by flight and booking conditions.
- Travel reward (3 BluChips per ₹100) applies only at IndiGo 6E flights — not to all travel spends
- No reward on: Rent, Fuel, Wallet
Who should consider this card
✓ Good fit if
- Your spending is concentrated in travel, dining, shopping
- You regularly spend only at IndiGo 6E flights
△ Less useful if
- Much of your spending is in rent, fuel, wallet, which earn nothing
- Your spending is not only at IndiGo 6E flights
- You do not want to pay an annual fee
Full details
Everything else, expanded on demand.
Caps & exclusions · 0 caps · 3 no-reward categories
Caps
No cap recorded.
Categories with no reward or not eligible
- Rent — No reward.
- Fuel — No reward.
- Wallet — No reward.
Milestones · none recorded
No milestone benefit is recorded for this card.
Eligibility
Subject to Kotak's underwriting and eligibility criteria. See the issuer's terms for current requirements.
Specifications
- Payment network: Not recorded
- Airport lounge: Not recorded by DhanChakshu — check the issuer terms
- Fuel surcharge waiver: Not recorded by DhanChakshu — check the issuer terms
- Foreign-currency markup: Not recorded by DhanChakshu — check the issuer terms
What DhanChakshu couldn't fully verify · 4 areas
4 areas need further verification. None of these are counted as zero.
- • Lounge benefit — not recorded; check the issuer terms
- • Fuel surcharge waiver — not recorded; check the issuer terms
- • Foreign-currency markup — not recorded; check the issuer terms
- • Payment network — not recorded
Sources & verification
Verification & sources · last checked 2026-09-23
Verification coverage: All 16 categories verified
Card record last checked: 2026-09-23
Documents used
IndiGo Kotak Credit Card Terms and Conditions (Kotak Mahindra Bank) · SRC-KOTAK-INDIGO-TNC · 2026-10-09