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:
- Age: 21 to 65 years for the primary cardholder.
- Residency: Must be a resident of India.
- Income: Satisfactory income proof as per Kotak Mahindra Bank’s requirements.
- Credit score: A good credit score and credit history are preferred for approval.
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:
- Reward points (BluChips) can be earned on IndiGo flight bookings and other categories like dining and groceries.
- The XL variant offers free domestic airport lounge access twice every quarter.
- The reward points have no expiry, which benefits infrequent travelers.
- Rewards can be redeemed directly via IndiGo’s website and app for flights, seat upgrades, and add-ons.
- The card operates on the RuPay network, facilitating rewards on UPI transactions as well.
- Both cards offer welcome and renewal benefits in the form of BluChip vouchers and food vouchers.
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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
- High Reward Rate on IndiGo Bookings: Cardholders earn up to 19 BluChips per ₹100 spent on IndiGo flight bookings, making it highly beneficial for regular travelers with the airline.
- Rewards on Dining and Entertainment: The card offers 2 BluChips per ₹100 spent on dining and entertainment, encouraging usage beyond just flight bookings.
- No Expiry on BluChips: Unlike many reward programs, the BluChips earned do not expire as long as the account remains active, allowing users to accumulate and redeem them at their convenience.
- Welcome and Renewal Benefits: New cardholders receive a welcome voucher of 2,500 IndiGo BluChips, and existing users get renewal benefits, adding value over time.
- Milestone Rewards: The card offers additional BluChip vouchers upon reaching specific spending thresholds, such as ₹1.5 lakh or ₹6 lakh annually, incentivizing higher spending.
- RuPay Variant Available: The RuPay version of the card allows users to earn rewards even on UPI transactions, increasing usability in daily spending.
Cons
- No Complimentary Airport Lounge Access (Standard Card): The base IndiGo Kotak Credit Card does not offer any free domestic or international lounge access, which is a significant drawback for a travel-focused card.
- Limited Travel Insurance: The card lacks travel insurance, lost baggage coverage, or other travel protection benefits commonly found in premium travel credit cards.
- No Annual Fee Waiver: There is no spend-based waiver for the annual fee of ₹1,500 + GST, meaning cardholders must pay the fee regardless of usage.
- High Interest Rate: The card charges a monthly interest rate of 3.75% (45% annually), which is steep for those who carry a balance.
- Foreign Currency Markup Fee: A 3.5% foreign transaction fee applies, making it less ideal for international spending compared to cards with zero forex markup.
- Basic Reward Structure: Despite marketing claims of high rewards, a significant portion of the BluChips earned on flight bookings is available to all IndiGo BluChips members, reducing the actual incremental benefit of the card.
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.
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