The IndiGo Kotak XL Credit Card is crafted for travellers who frequently fly with IndiGo. It offers generous BluChip rewards on airline bookings, valuable annual travel vouchers, and convenient lounge access across major Indian airports. With strong co-branded benefits, the card enhances both savings and comfort on domestic journeys.
The IndiGo Kotak XL Credit Card is a premium co-branded offering from Kotak Mahindra Bank and IndiGo Airlines, tailored for travellers who want enhanced value on IndiGo bookings. Instead of the older 6E Rewards system, this card earns BluChips—the reward currency of IndiGo’s new BluChip loyalty programme.
Cardholders not only earn higher BluChips on IndiGo transactions but also enjoy boosted earnings on popular categories like dining and entertainment, making the card beneficial beyond flight spends. The annual fee of ₹3,000 is largely balanced out through welcome perks, including a ₹4,000 IndiGo BluChips voucher and a complimentary 6E Eats voucher. Frequent flyers can further benefit from milestone BluChip vouchers worth up to ₹16,000 each year, along with access to domestic airport lounges.
To unlock all these features, users must be enrolled in the BluChip programme at the Blu 3 tier. Existing 6E Rewards card members will gradually shift to the updated programme, and new applicants will receive the respective card variant under the BluChip system. This card is ideal for those who fly IndiGo regularly and want maximised rewards and travel comfort.
Earn up to 21 BluChips per ₹100 on IndiGo-related spending, depending on your activity and tier.
BluChip members can earn 8 BluChips per ₹100 spent on eligible IndiGo purchases.
Get 5 BluChips per ₹100 on direct IndiGo flight bookings.
Receive 4 BluChips per ₹100 when booking through the IndiGo mobile app or official website.
Enjoy additional BluChips (up to 4 per ₹100) based on your BluChip tier level.
Earn 3 BluChips per ₹100 with no cap on dining and entertainment transactions.
Collect 2 BluChips per ₹100 on all other eligible everyday expenses.
Use your accumulated BluChips to book IndiGo flights or redeem them for other services through the IndiGo website or app.
Welcome & Renewal Benefits
Receive an IndiGo BluChips voucher worth ₹4,000 as part of the welcome/renewal package.
Get an additional complimentary 6E Eats voucher, adding more value to your IndiGo travel experience.
Milestone Privileges
Earn a ₹4,000 BluChips voucher on completing ₹1.5 lakh in annual spends.
Another ₹4,000 voucher is awarded after spending ₹4 lakh in a year.
Achieve ₹7.5 lakh annual spends to secure an additional ₹4,000 voucher.
Complete ₹12 lakh in yearly spends for yet another ₹4,000 BluChips voucher—allowing total milestone rewards worth ₹16,000 annually.
Lounge Access
Enjoy two complimentary domestic lounge visits every quarter, offering comfort and convenience during airport waits.
| Fee Type | Amount | ||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Joining Fee | Rs. 3,000 + Applicable Taxes | ||||||||||||||
| Annual Fee | Rs. 3,000 + Applicable Taxes | ||||||||||||||
| Finance Charges | 3.75% p.m. | 45% p.a. | ||||||||||||||
| Late Payment Charges |
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Kotak Mahindra Bank is replacing the earlier 6E Rewards structure with IndiGo’s new BluChip loyalty program. This upgraded program is broader and offers perks not only through the co-branded credit card but also directly through IndiGo services. Depending on your tier, you can enjoy savings on seat selection, extra baggage, Fast Forward services, and earn additional BluChips on flights.
All new members start at Blu 3, and can progress to Blu 2 or Blu 1 by meeting IndiGo’s annual flight and spending requirements. Below is a refreshed overview of the tier system.
| Particular | Blu 3 | Blu 2 | Blu 1 |
|---|---|---|---|
| Tier Upgrade/ Retention | - | Annual spend of Rs. 1 Lakh on IndiGo Flights and a minimum of 4 IndiGo Flights in a year | Annual spend of Rs. 2 Lakh on IndiGo Flights and a minimum of 8 IndiGo Flights in a year |
| Bonus IndiGo BluChips on IndiGo/ Codeshare Flights | - | 2 IndiGo BluChips per Rs. 100 spent | 4 IndiGo BluChips per Rs. 100 spent |
| Bonus IndiGo BluChips on select 6E Add-ons on IndiGo Flights | - | 2 IndiGo BluChips per Rs. 100 spent | 4 IndiGo BluChips per Rs. 100 spent |
| 6E Prime Passes | 0 | 20 | 40 |
| Discount on Seat Selection/ Excess Baggage/ Fast Forward | 10% | 20% | 30% |
Consider opting for this card if:
IndiGo is your primary choice for domestic travel and you fly with the airline regularly.
You want higher reward earnings on lifestyle categories like dining and entertainment.
Your yearly spending can reach around ₹12 lakh, allowing you to unlock the full set of milestone vouchers.
You are comfortable redeeming your rewards specifically for IndiGo flight bookings and related services.
If you want to close your IndiGo Kotak XL Credit Card, you should follow the official process provided by Kotak Mahindra Bank to ensure a smooth and secure closure experience.
Close via Customer Care
You can initiate the cancellation process by contacting Kotak customer support:
Follow the instructions given by the representative to complete the request.
Close by Visiting a Branch
You can also visit your nearest branch of Kotak Mahindra Bank:
Important Points to Remember
After Card Closure
If you need assistance related to your IndiGo Kotak XL Credit Card, you can contact the customer support team of Kotak Mahindra Bank. The bank provides support for billing issues, payments, card blocking, reward-related queries, and other credit card services.
Customer Care Numbers
These numbers can be used for services such as billing assistance, card blocking, transaction disputes, and credit card closure requests.
City-Wise Customer Care Numbers
If you are unable to connect through the main helpline, you may also use city-specific contact numbers:
Services Available
Important Points
You can submit an application online through Kotak Mahindra Bank’s website by visiting the card’s dedicated page and completing the digital form. If you prefer offline assistance, you may also apply by visiting any nearby Kotak branch and filling out the application in person.
Yes, the card can be used for international spending. However, it carries a foreign currency markup of 3.5%, which may increase travel costs. Users who frequently make global purchases might want to consider a low-forex or zero-forex card instead.
BluChip is IndiGo’s new rewards ecosystem where members earn BluChips for eligible spends and redeem them for future IndiGo flights and services. It features straightforward tier progression, lifetime validity on points, and no blackout dates on redemptions.
All members begin at Blu 3. To advance to Blu 2, you must complete ₹1 lakh in eligible annual IndiGo spending and take at least four flights. To reach Blu 1, the requirement increases to ₹2 lakh in IndiGo spends plus a minimum of eight flights during the year.
IndiGo has phased out the 6E Rewards Program and introduced BluChip as the new framework. Kotak now offers updated co-branded cards under this program. Existing 6E Rewards cardholders will continue to enjoy their original benefits until the bank announces migration timelines.
