Kotak Mahindra Bank Indigo Kotak Premium Credit Card
Kotak Mahindra Bank
Annual / renewal fee
₹3,000.
VerifiedKey Fact Statement (KFS) - IndiGo Kotak XL (Premium) Credit Card30 Jul 2026, 2:05 PM ISTKotak Mahindra Bank
Earn rate
- IndiGo flight bookings (Base Fare + Fuel Surcharge) on IndiGo Web/App via IndiGo Kotak Premium Card: total up to 21 IndiGo BluChips per ₹100 (Blu 1 tier), 19 (Blu 2), 17 (Blu 3).
- Breakdown: 8 base BluChips/₹100 on flights (all tiers).
- Tier bonus 0/2/4 BluChips/₹100 (Blu3/Blu2/Blu1).
- Channel bonus 4 BluChips/₹100 (all tiers).
- 5 BluChips/₹100 when transaction done via IndiGo Kotak Premium Credit Card (all tiers).
- Dining & Entertainment spends also earn accelerated BluChips (identified via MCC).
Verifiedharvested from product page30 Jul 2026, 2:05 PM ISTKotak Mahindra Bank
This is the issuer's own page for this card. We earn nothing from this link.
You'll land on the issuer's official application portal at kotak.com — if a different card is shown first, use its card selector to pick this one.
This is the issuer's own page for this card. We earn nothing from this link.
You'll land on the issuer's official application portal at kotak.com — if a different card is shown first, use its card selector to pick this one.
Overview
Indigo Kotak Premium Credit Card by Kotak Mahindra Bank. Facts on this page are extracted and verified automatically from official issuer documents.
Fees
Joining fee
Confirm on the official page
Official source not yet captured
Annual / renewal fee
₹3,000.
VerifiedKey Fact Statement (KFS) - IndiGo Kotak XL (Premium) Credit Card30 Jul 2026, 2:05 PM ISTKotak Mahindra Bank
Fee waiver
- No joining fee waiver and no annual fee waiver (Condition for Joining Fee Waiver: NA; Condition for Annual Fee Waiver: NA).
- Add-on Card Fee: NA.
VerifiedKey Fact Statement (KFS) - IndiGo Kotak XL (Premium) Credit Card30 Jul 2026, 2:05 PM ISTKotak Mahindra Bank
Rewards
- IndiGo flight bookings (Base Fare + Fuel Surcharge) on IndiGo Web/App via IndiGo Kotak Premium Card: total up to 21 IndiGo BluChips per ₹100 (Blu 1 tier), 19 (Blu 2), 17 (Blu 3).
- Breakdown: 8 base BluChips/₹100 on flights (all tiers).
- Tier bonus 0/2/4 BluChips/₹100 (Blu3/Blu2/Blu1).
- Channel bonus 4 BluChips/₹100 (all tiers).
- 5 BluChips/₹100 when transaction done via IndiGo Kotak Premium Credit Card (all tiers).
- Dining & Entertainment spends also earn accelerated BluChips (identified via MCC).
Verifiedharvested from product page30 Jul 2026, 2:05 PM IST
Reward exclusion
Verifiedharvested from product page30 Jul 2026, 2:05 PM ISTKotak Mahindra Bank
Travel & lounge
Lounge access
Confirm on the official page
Official source not yet captured
Dining, golf, concierge, insurance, milestones & welcome
Welcome benefit
Confirm on the official page
Official source not yet captured
Eligibility
Not published in the official documents on file — see the official T&C link below.
Charges & interest
Forex markup
- Foreign Currency Transaction Markup fee: 3.50%.
- Dynamic Currency Conversion Fee: 3.50%.
VerifiedKey Fact Statement (KFS) - IndiGo Kotak XL (Premium) Credit Card30 Jul 2026, 2:05 PM ISTKotak Mahindra Bank
Charge
- Finance/Interest Charges: 3.75% per month (45.00% APR).
- Cash Advance Fee: 2.5% on advance amount, subject to minimum of ₹500.
- Late Payment Charges (by 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.
- Standing Instruction Failure / Auto-debit return fee (NACH, ECS, Auto Debit): 2% on bounce amount, min ₹450, max ₹5000.
- Cheque Return Fee: 2% on bounce amount, min ₹500.
- Fee for Cash Payment at branches: ₹100.
- Over Limit Charges: ₹500 (if over limit amount is equal to or greater than ₹500).
- Dynamic Currency Conversion Fee: 3.50%.
- Foreign Currency Transaction Markup fee: 3.50%.
- Fee on Wallet Loading: 1% on cumulative wallet loading spends exceeding ₹10,000 per statement cycle.
- Credit Limit Increase Processing Fees: ₹100.
- Fee on Fuel Transactions: 1% on cumulative fuel spends exceeding ₹50,000 per statement cycle.
- Fee on Online Skill-Based Gaming: 1% on cumulative online skill-based gaming spends exceeding ₹10,000 per statement cycle.
- Fee on Education Payment: 1% transaction fee on all education payments made via third-party apps.
- Fee on Utility Spends: 1% on cumulative utility spends exceeding ₹75,000 per statement cycle.
- Fee on Rent Payments: 1% on transaction amount.
- Card Replacement Fees (Lost & Damaged Cards): ₹100.
- Railway Booking Surcharge: charged at applicable rates.
- GST applicable on all fees and charges at current rate.
- (Version KFSIKXL12032026).
VerifiedKey Fact Statement (KFS) - IndiGo Kotak XL (Premium) Credit Card30 Jul 2026, 2:05 PM ISTKotak Mahindra Bank
Fuel surcharge waiver
- Fuel Surcharge charged at applicable rate subject to minimum of ₹10 (GST on fuel surcharge as per standard rate applicable and borne by customer).
- A 1% fee applies on cumulative fuel spends exceeding ₹50,000 per statement cycle.
VerifiedKey Fact Statement (KFS) - IndiGo Kotak XL (Premium) Credit Card30 Jul 2026, 2:05 PM ISTKotak Mahindra Bank
Interest-free period
- Interest free period can range up to 51 days depending on the Payment Due Date.
- Payment Due Date can be between 18 and 21 days after the Statement Date.
- Depending on the Payment Due Date, credit free period can range from 18-48 days or 21-51 days.
- Not applicable if Total Amount Due is not paid in full.
VerifiedKey Fact Statement (KFS) - IndiGo Kotak XL (Premium) Credit Card30 Jul 2026, 2:05 PM ISTKotak Mahindra Bank
Transfers
Not published in the official documents on file — see the official T&C link below.
Common questions
What is the annual fee on the Indigo Kotak Premium Credit Card?
Officially traced: Rs. 3,000.
Key Fact Statement (KFS) - IndiGo Kotak XL (Premium) Credit CardIs the Indigo Kotak Premium Credit Card annual fee ever waived?
No joining fee waiver and no annual fee waiver (Condition for Joining Fee Waiver: NA; Condition for Annual Fee Waiver: NA).
Key Fact Statement (KFS) - IndiGo Kotak XL (Premium) Credit CardHow does the Indigo Kotak Premium Credit Card earn rewards?
IndiGo flight bookings (Base Fare + Fuel Surcharge) on IndiGo Web/App via IndiGo Kotak Premium Card: total up to 21 IndiGo BluChips per Rs.100 (Blu 1 tier), 19 (Blu 2), 17 (Blu 3).
harvested from product pageWhat are the transfer ratios for Indigo Kotak Premium Credit Card points?
Transfer ratios are not shown here as a confident value. Confirm the current ratio in your issuer account before transferring.
What is one point on the Indigo Kotak Premium Credit Card worth?
Point value varies by award, route and partner programme, so this page does not publish a rupees-per-point figure.
Other verified details
Not published in the official documents on file — see the official T&C link below.
Official documents & verification
Official terms
https://www.kotak.bank.in/en/personal-banking/cards/credit-cards/indigo-xl-credit-card.html.
VerifiedIndigo Kotak Premium Credit Card product page30 Jul 2026, 2:05 PM ISTKotak Mahindra Bank
Verified 2026-07-30 · facts from the official issuer page. Issuers may change fees, earn rates, lounge counts and waivers without notice — always confirm before applying.
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