IndiGo Kotak Credit Card is a co-branded credit card launched by Kotak Mahindra Bank in partnership with IndiGo Airlines. Designed specifically for regular IndiGo flyers, this credit card aims to make travel rewarding and convenient by offering exclusive benefits and cashback in the form of IndiGo BluChips, which can be redeemed for flight bookings and services with IndiGo. This article explores everything about the IndiGo Kotak Credit Card, including its rewards, eligibility, fees, features, and a review comparison alongside the Kotak Solitaire Credit Card.
IndiGo Kotak Credit Card Rewards and Benefits
The IndiGo Kotak Credit Card provides attractive rewards primarily geared towards IndiGo airline spending. Cardholders earn BluChips, which are IndiGo’s frequent flyer loyalty points. These points can be collected quickly when booking IndiGo flights and on other categories like dining, groceries, and entertainment.
The rewards system varies between the standard IndiGo Kotak Credit Card and the premium IndiGo Kotak XL Credit Card. The XL version offers higher BluChips accumulation, including up to 21 BluChips for every ₹100 spent on IndiGo flight bookings. In addition, it includes two complimentary domestic airport lounge visits each quarter, which add significant value for frequent travelers. Both cards offer welcome benefits, including vouchers for IndiGo BluChips and add-ons, making the first few transactions rewarding.
Rewards Breakdown:
| Card Type | BluChips on IndiGo Bookings | BluChips on Dining & Entertainment | Lounge Access | Welcome Benefit | Annual Fee |
|---|---|---|---|---|---|
| IndiGo Kotak Credit Card | Up to 19 per ₹100 | Basic rewards on other categories | No | Voucher of 2,500 IndiGo BluChips | ₹1,500 + GST |
| IndiGo Kotak XL Credit Card | Up to 21 per ₹100 | 3 BluChips per ₹100 | 2 Free domestic visits per quarter | Voucher of 4,000 BluChips + 6E Eats Voucher | ₹3,000 + GST |
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IndiGo Kotak Credit Card Review
The IndiGo Kotak Credit Card is designed for regular flyers who want to maximize their rewards on travel-related expenses with IndiGo Airlines. The card offers good value through its reward points and occasional offers without charging excessive fees. However, the standard card does not provide airport lounge access or travel insurance, which conventional premium travel cards typically include.
The premium XL card adds lounge access, higher reward rates, and milestone benefits giving additional rewards on higher spending thresholds. The rewards points earned do not expire, allowing users to accumulate and redeem them thoughtfully. Overall, this card is ideal for users seeking a focused reward system centered around IndiGo travels.
IndiGo Kotak Credit Card Eligibility
To apply for the IndiGo Kotak Credit Card, basic eligibility criteria are:
The add-on cardholder should be at least 18 years old.
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IndiGo Kotak Credit Card Fees & Charges
| Fee Category | IndiGo Kotak Credit Card | IndiGo Kotak XL Credit Card |
|---|---|---|
| Joining/Annual Fee | ₹1,500 + GST | ₹3,000 + GST |
| Add-on Card Fee | Waived | Waived |
| Foreign Currency Markup | 3.5% | 3.5% |
| Cash Advance Charges | 2.5% (minimum ₹500) | 2.5% (minimum ₹500) |
| Interest Rate | 3.50% monthly (42% annually) | 3.75% monthly (45% annually) |
| Late Payment Charges | Applicable | Applicable |
| Fuel Surcharge | Applicable | Not specifically waived |
It is important to note that these fees are competitive compared with other airline co-branded cards, but the annual fee waiver conditions are not typically offered.
IndiGo Kotak Credit Card Features
Key features of this card include:
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IndiGo Kotak Credit Card Pros & Cons
The IndiGo Kotak Credit Card is designed for frequent flyers who primarily travel with IndiGo Airlines. It offers a rewards program based on IndiGo BluChips, which can be redeemed for flight bookings, seat upgrades, and other travel-related services. However, like any financial product, it comes with both advantages and limitations. Below is a detailed breakdown of the pros and cons of the IndiGo Kotak Credit Card.
Pros
Cons
In summary, the IndiGo Kotak Credit Card is best suited for loyal IndiGo flyers who want to maximize rewards on flight bookings and related spending. While it offers solid value in its core category, it lacks several premium travel perks that could enhance its appeal. Users should weigh these pros and cons based on their travel habits and spending patterns before applying.
Conclusion
The IndiGo Kotak Credit Card offers a useful package for frequent flyers who prefer IndiGo airlines. Its rewards system is designed to help accumulate IndiGo BluChips quickly, which can be redeemed seamlessly for travel benefits. While the standard card has basic features for regular use, the XL version is more suited for avid travelers seeking added perks such as airport lounge access and milestone rewards.
For premium customers, the Kotak Solitaire Credit Card provides extensive travel privileges, unlimited lounge access, and no forex fees but requires high eligibility. Selecting the right card depends on travel frequency, spending habits, and desired benefits.
This review and information aim to help cardholders and prospective applicants make a well-informed choice to maximize travel rewards while enjoying convenience and savings with the IndiGo Kotak Credit Card options.
FAQs:
The IndiGo BluChips program gives points whenever you use the card for IndiGo flight booking, seat selection, or even excess baggage. The more you spend on IndiGo flights, the higher your tier and the more BluChips you earn per ₹100 spent. Higher tiers provide faster points accumulation and extra discounts on IndiGo services.
The standard IndiGo Kotak Credit Card has a joining and annual fee. For the premium XL version, both the joining and annual fee are higher. These fees are competitive with other airline credit cards in India.
The premium IndiGo Kotak XL Credit Card offers complimentary domestic airport lounge visits each quarter to cardholders. The standard card does not include lounge access as a benefit.
No, IndiGo BluChips are loyalty points earned from using the card and can be redeemed only for IndiGo flights, seat upgrades, food, and other IndiGo services through the IndiGo website or app.
Upgrading to a higher BluChips tier with increased IndiGo spending allows users to collect more BluChips for their purchases and enjoy extra discounts (up to 30%) on seat selection, excess baggage, and fast track services. Higher tiers also receive additional 6E Prime Passes and more reward points per ₹100 spent.
