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Kotak Mahindra Bank

Indigo Kotak Premium Credit Card

Not rated yet - COFFER rates a card only after reading every document the bank publishes for it. How we rate

Open to new applications · Earns IndiGo BluChips

First-year fee

₹3,000 to join.

Annual fee

₹3,000 a year.

What it gives back

2 IndiGo BluChips per ₹100 · everyday spends

Read from 6 Kotak Mahindra Bank documents, last checked 18 Oct 2026.

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How it compares

Compared with the cards we have read

₹3,000 annual fee: of the 273 other open cards whose annual fee we have read, 225 state a lower one, 4 state the same and 44 state a higher one.

Fees

  • Annual fee

    ₹3,000 a year.

  • Joining fee

    ₹3,000 to join.

  • Fee waiver rule

    Condition for waiver of Annual Fees NA.

Welcome offer

  • Welcome benefit

    Kick start your IndiGo Kotak Credit Card journey with a welcome benefit voucher of 4000 IndiGo BluChips and a 6E Eats voucher.

Rewards

  • Reward rate

    2 IndiGo BluChips per ₹100 · everyday spendsUnlimited 2 IndiGo BluChips per ₹100 spent on all other categories.

  • Reward earning on dining spends

    Unlimited 3 IndiGo BluChips per ₹100 spent on all Dining & Entertainment spends.

  • Travel earning

    Up to 21 IndiGo BluChips per ₹100 spent on IndiGo flight bookings

  • Reward exclusions

    Rent, wallet, Education, Government spends, utilities, insurance, online skill based gaming and B2B are excluded categories, not eligible for earning BluChips

  • Reward caps

    You can earn IndiGo BluChips for every transaction you make without any capping.

  • Flight redemption

    IndiGo BluChips vouchers can be redeemed while booking flights via IndiGo website or Indigo mobile app only

  • Point expiry

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

Card benefits

  • Domestic lounge access

    Customers can avail 2 domestic lounge visits per calendar quarter.

  • Milestone benefits

    Vouchers of up to 16,000 IndiGo BluChips each year: a voucher worth 4,000 IndiGo BluChips on spending ₹1.5L, ₹4L, ₹7.5L, ₹12L within the anniversary year

  • Renewal benefit

    Renewal benefit voucher of 4,000 IndiGo BluChips and 6E Eats voucher on payment of annual fee each year.

Charges

  • Interest-free period

    18-48 days or 21-51 days depending on the Payment Due Date

  • 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.

  • Charge for lounge visits beyond the free limit

    Upon exceeding the allowed usage limits for eligible variants and/or for guest visits, cardholder will be charged lounge access fee as per the standard applicable rates.

How we know - 6 documents from Kotak Mahindra Bank, checked 18 Oct 2026

6 documents from Kotak Mahindra Bank, checked 18 Oct 2026.

  • Linked page on www.kotak.bank.in7 Oct 2026Proof
  • KFS Indigo Kotak Xl New8 Oct 2026Proof
  • Card pageProof
  • Lounge access termsProof
  • Card terms and conditionsProof
  • Key Fact StatementProof

On these lists

Apply on Kotak Mahindra Bank

₹3,000 a year

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