Kotak IndiGo Credit Card

Joining fee

₹1,500 to join.₹1500 (no joining fee waiver)

Renewal fee

₹1,500 a year.₹1500 (no annual fee waiver)

Fee waiver rule

Not offered: Condition for Joining Fee Waiver NA; Condition for Annual Fee Waiver NA.

Add-on card fee

Not offered: Add-on Card Fee NA.

Welcome benefit

Welcome benefit voucher of 2,500 IndiGo BluChips.

Reward rate

1 IndiGo BluChip per ₹100 · everyday spends1 IndiGo BluChip per ₹100 spent on all other categories.

Reward earning on dining spends

2 IndiGo BluChips per ₹100 spent on all Dining & Entertainment spends.

Travel earning

IndiGo flight bookings: 3 IndiGo BluChips per ₹100 spent using the card (up to 19 per ₹100 with the BluChip member, website/app and tier bonuses)

Reward exclusions

Spends in the following categories will not be considered for calculating rewards: Utility, Education, Wallet Load, B2B, Rent, Government, Insurance, and Online Skill-based activities.

Reward caps

No capping on IndiGo BluChips earned in a year: earn on every transaction without any capping.

Catalogue redemption

BluChips can be redeemed for IndiGo flight bookings.

Point expiry

IndiGo BluChips have lifetime validity; IndiGo BluChips vouchers credited as welcome, milestone, and renewal benefits have a validity of 6 months from the date of issuance.

Domestic lounge accessInternational lounge access

Not offered: Lounge Access NA.

Milestone benefits

Vouchers of up to 7,500 IndiGo BluChips each year: 2,500 IndiGo BluChips each on spending ₹1.25 lakh, ₹2.5 lakh and ₹6 lakh in the anniversary year

Renewal benefit

Renewal benefit voucher of 2,500 IndiGo BluChips on payment of the annual fee each year.

Minimum spend rules

Blue chips earned on transaction amounts in integer multiples of ₹100; transactions below ₹100 or residual amounts will not earn blue chip.

Fuel surcharge waiver

Not offered: IndiGo Kotak Credit Card is listed under Products Not Eligible for Fuel Surcharge Waiver.

Forex markup

3.5% on foreign currency transactions.3.50% foreign currency transaction markup

Dynamic currency conversion markup

Dynamic Currency Conversion Fee 3.50%.

Cash advance fee

2.5% of the advance amount (minimum ₹500)

Interest on unpaid balance

3.75% monthly (45.00% annualized)

Interest-free period

Up to 51 days depending on the Payment Due Date; not applicable if the Total Amount Due is not paid in full

Late payment fee

Outstanding Balance <= ₹100: ₹0, >₹100-₹500: ₹100, >₹500-₹1000: ₹500, >₹1000-₹5000: ₹600, >₹5,000-₹10,000: ₹750, >₹10,000-₹25,000: ₹900, >₹25,000-₹50,000: ₹1,100, >₹50,000: ₹1,300.

Over-limit fee

Over Limit Charges ₹500 (if over limit amount is equal to or greater than ₹500)

Card replacement fee

Card Replacement Fees (Lost & Damaged Cards) ₹100.

Cash payment / cash deposit fee

Fee for Cash Payment at branches ₹100.

Education / school fee charge

Fee on Education Payment 1% transaction fee will be applicable on all education payments made via third-party apps.

Fee on online skill-based gaming spends

Fee on Online Skill-Based Gaming 1% fee on cumulative online skill-based gaming spends exceeding ₹10,000 per statement cycle.

Wallet load charge

Fee on Wallet Loading 1% fee on cumulative wallet loading spends exceeding ₹10,000 per statement cycle.

Rent transaction fee

Fee on Rent Payments 1% fee on transaction amount.

Utility transaction fee

Fee on Utility Spends 1% fee on cumulative utility spends exceeding ₹50,000 per statement cycle.

Minimum amount due

Note: If you spend ₹1,000 and you pay back exactly the Minimum Amount Due ("MAD") every month, and then it may result in repayment stretching over 14 months (calculation done with MAD as 1% subject to minimum capping of ₹100) with consequential compounded interest payment on the outstanding amount.

Minimum age

18 years (Kotak issues no card, primary or add-on, to anyone under 18)